milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Transaction issue

Complaint: I applied for a credit card on the XX/XX/XXXX and decided to cancel application. Capital one took {$300.00} out from my account. They said they have issued a refund. I called more than 10 times now I am so upset how they lie over and over about my refund. They said, its going to be mailed after 7 business days. Everytime i call they make an excuse telling i should.have it in 10 days, tomorrow or next month. I called again today the XX/XX/XXXX, i was surprised when they said that i dont habe an account with them. My customer number and name is not in their system. I called the same number everytime

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Rewards

Complaint: I signed up for a XXXX through TD Bank under promotional terms. The offer was a {$200.00} cash rewards bonus reflected on the account in 6-8 weeks after spending {$1500.00} in total net purchases within 90 days of account opening. I met the promotional spending terms by my XXXX XXXX statement ( well within 90 days of account opening ). By the terms of the offer, I should have received the cash rewards bonus no later than 8 weeks from XXXX XXXX, which would be XXXX XXXX. I have not received the bonus. I have sent ~XXXX secure emails and called ~XXXX times. TD Bank always has a different story. When I called in XXXX, I was told I would see the bonus on my XXXX statement. That did not happen. When I called today ( XXXX ), I was told the bonus would post 6-8 weeks after the first 90 days. However, this is not how the offer terms are written, and at this point the bank seems to be doing anything it can to avoid honoring the terms of the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had to co-sign for my son 's Sallie Mae loan for his senior year of college. According to my MSA, ( Marital settlement agreement ), my ex husband is responsible for XXXX of ALL college expenses, and student loans were NOT to be in the children 's names. I also have a court order ( XXXX XXXX, 2016 ) in which orders the loans to be transferred into HIS name. I have spoken to Sallie Mae, and they refuse to transfer ownership of the loan. Please advise how to proceed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Vehicle loan or lease (Loan) with NEW CITY FUNDING CORP. (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I  Cosigned for a loan on a vehicle for my father in XX/XX/XXXXXX/XX/XXXXThe purchase of the Vehicle was for $XXXX we put down $XXXX  and made 6 payments of $XXXX totaling just over $XXXX dollars leaving the remaining balance of $XXXX dollars The car Had actually broken down and the engine blew due to being faulty the dealership the car had been purchased from blew the check engine light prior to us purchasing the vehicle they had since been turned into the better business bureau and to my knowledge closed down. they repossessed the car and then auctioned it off for $XXXX bringing the balance down to $XXXX when I had last spoken with the financing company NEW CITY FUNDING they had advised me I was the main signer on the account and the would be coming after me for the balance which at that time they had said was about $7,000 I said absolutely not, not only is there no way it's XXXX XXXX  but I also Am not the main signer on this loan I asked the initial amount They would not tell me the initial amount of the loan and kept telling me this was the amount owed due to late fees I told them that is not acceptable not only do they have the incorrect information about whom the main signer is but there Is no way It was up to $XXXX dollars I told the women on the phone not to contact me again until they have the correct information. This was the beginning of XX/XX/XXXX I have no heard anything from this company until they called my Boyfriends cell phone yesterday XX/XX/XXXX and left a message on his voicemail with my name and account number which to me is unacceptable because he has not ties to anything of mine what so ever so for them to even have his phone number is not okay. I then called the account manager XXXX  whom then told me that They were going to be garnishing my wages and they had gone to court which I had absolutely no knowledge of and they are also saying I now owe XXXX for a vehicle they repossessed so after paying them off I wont even have the vehicle also They are not even going after my father the would not tell me if they have had any contact with him and I had to argue with the women for almost a half hour with her trying to disconnect the line multiple times for her to tell me the initial loan was for $XXXX which I never ever signed any paper work for an $XXXX dollar loan I would've told my father no way!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I entered a modification with Nationstar only to be denied, due to not submitting documentation, however, I have fax confirmations. I called to check the status of my modification on XXXX/XXXX/2015 was then informed that I was denied and that there was a sale date of my property on XXXX/XXXX/15. I was dumbfounded. Have called repeatedly, the bank refuses to work with me saying there is nothing they can do now. 
I was never notified that there was a sale date, Nationstar said it was my responsibility to continue to call in, and if I would have I would have been notified of the sale date. This company should not be allowed to do business. I am now down to a matter of hours before I lose my property and there is absolutely nothing the bank will do!! DEVASTATED!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: received statement from Citibank regarding complaint XXXX it addresses the XXXX XXXX on XXXX/XXXX/XXXX it claims no documents were sent that is invalid, they were sent and they declined ; XXXX additional circumstances were also filed XXXX XX/XX/XXXX XXXX another XXXX XXXX another XXXX XXXX, Citibank declined to honor all credit protection, the had adjusted payments from XXXX to XXXX which were to be XXXX interest, they once again refused any adjustments, bringing account down to $ XXXX then offering to adjust to zero interest, I had no income and they refused all three situations when I had been paying for credit protection ; the minimum fees acquired for 5 year period exceeded {$7000.00} ; it was challenged once again when it was discovered on credit report, they answered the complaint that they had tried to work with me and that I was in default and that it was sold. the account was closed in XXXX XXXX, it has been reported by XXXX on my credit report since XXXX and is still being reported ; both Citibank and XXXX have increased the balances due, I have had to spend monies for legal fees to fight this, a senior now on a fixed income, XXXX has refused to adjust balance, Citibank has passed it on too XXXX stating it is no longer their issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Yesterday I visited XXXX to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at XXXX but placed on hold and offered the opportunity to receive a call back. At XXXX, I received a call back from an employee by the name of XXXX . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with another customer service rep ( likely his manager/supervisor ) who could explain to me why my loan was sent to collections without any previous notice or communication. He was persistent in mentioning that " Unfortunately it is out of my hands ... I can provide you the credit agency 's phone number ''. I went through several minutes of asking to speak with someone else, asking for clarity, asking who he reports to, and severe frustration while only receiving the same response. We reached a point where he mentioned he would only offer the number one final time before disconnecting. I actually chose to disconnect from him. I attempted to call the number back 2 additional times at which point he answered again. I asked him again if he was joking and if there was anyone else working to which he replied no given the hours of the day. 

I am intensely frustrated with my loan being sent without notification or additional communication. I am frustrated by a customer service rep who would not provide any additional point person I could ask for clarity on. I am extremely dissatisfied with the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: I have a complaint against PNC Bank for defamation of character and fraud. I have been with this bank for over 8 years. My daughter and I had an joint account because she was a minor at the time. In XXXX XXXX there was an estimated amount of XXXX in fraudulent transactions on this account. My daughter looked for her card and seen that the card was stolen from her wallet. There was checks from a car dealership XXXX and was used in a community bank in XXXX, XXXX. There were numerous transactions at XXXX, XXXX pharmacies and other retail outlets in the state XXXX, in the city of XXXX, XXXX, and XXXX XXXX. We have never been to this state or cities. I have filed XXXX disputes with the bank and they were denied. Because they claimed that there was film, which they had not shown us. I filed a police report and had my attorney write them a letter to resolve and clear my name of any involvement. They have not contacted my attorney or myself. The bank has now put these charges on my credit and has XXXX credit agencies contacting me regarding the balance. They also closed all my account and will not return any monies. I know if they would have investigated these checks and transactions I would n't have become a victim of a crime and false accusation from this bank. I believe that they are responsible for being irresponsible for not protecting me as a customer and allowing anyone to hack there system to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: This account was closed on XXXX/XXXX/11 want to be removed from my credit it 's already more than 4 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Last year my student loans were transferred to Fedloan Servicing after I submitted paperwork to be part of the Public Service  Loan Forgiveness ( P SLF ) program. Since that time, Fedloan Servicing has begun to count my qualifying payments. However, they are counting only the qualifying payments I have made to them and not including those made to my previous loan service provider. My student loans were previously with  XXXX , during which time I made 12 qualifying payments. I have contacted Fedloan Servicing numerous times to request that the  XXXX  qualifying payments I made to  XXXX  be reflected in my account as qualifying payments. Each time I call I get a different story and a different explanation of the process. I want my 12 qualifying payments mad e to Nelnet to be r eflected in my account with Fedloan Servicing, this is something that should have been done automatically when my loans were transferred. Why would n't they have done this when my loans were transferred in the first place? Obviously the loans were transferred because I had qualified for the program! I do not wish to spend the ne xt 8 to  9 years dealing with this problem. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX # XXXX by Transunion for {$10000.00} collection account which is NOT mine. This is false information I called XXXX XXXX # XXXX XXXX they do not even have my social in their system. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get an account with my credit report who still show open but was paid and supposed to be closed. I want all XXXX credits bureaus to make sure this account show paid in full and closed it 's under a tax lien who was released XXXX, XXXX, 2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 1. Consumer contacted on XXXX XXXX for a billing which was rendered less than XXXX days ago XXXX XXXX, 2015. 2. Customer paid half the billing without even allowed to review it. Address change and move to new address happened on XXXX XXXX, 2015. 3. Agency was given new address and consumer still has not received billing. Agency refused to identify its license number or forward calls to upper management or give email address for complaint and resolution. Credit Management Associates advised that the invoicing would be stayed for XXXX days and this has not happened as of XXXX, Full name of all management personnel refused access. Violation of and inappropriate contact for a {$68.00} with which {$34.00} was paid pending receipt of invoice. Collection Personnel not allowing access or refusing to take message is XXXX XXXX. Mgr who does not take calls are XXXX XXXX and president who does not answer or take calls is XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16 and XXXX/XXXX/16 I received phone calls from Barclays XXXX XXXX Master Card reporting charges to my account which I declared as fraudulent. On both cases new cards were issued and an investigation supposedly took place. On XXXX XXXX I received two letters declaring those purchases as valid. When I called to inquire why, I was told that " the cards had a chip which rendered them incapable of being copied ''. Never mind the magnetic strip on the card. I requested disputed forms which I filled out and return along with explanatory letters of what I had been enduring from other credit cards and my belief that I had been scanned because I only used the card once for a minor purchase with the State of Florida. Now they have obviously ignored all the explanations and are harassing my phones with calls from different numbers. Probably my credit will be impacted as well, even though I had nothing to do with those purchases. Even when I ask to see the signatures and videos on the purchases, the clerk I spoke to said that " it did not matter. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Starting in XX/XX/XXXX, I attempted to have Experian correct my report via their internet option. 
It did not work and there was no one to help me via phone. I wrote them and they took a month to respond with my report which was still wrong ( they were reporting to other credit reporting agencies that my identity had changed which it had not, which prevented banks from opening an acct for me ). I wrote them again and they still have not responded with corrections. that has prevented me from opening an acct. Neither have they corrected other incorrect info. Neither have they provided my FICO score which I have not requested for several yearsXXXX XXXXXX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Money was not available when promised

Complaint: Bank of America is just so slow with transactions and updates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with AMCOL Systems, Inc. (SC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The collection agency told me they would send exactly what the debt was pertaining to and I never received anything. I called XXXX and they told me they did n't know what I was talking about with the debt because I was paid up

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX CO on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX CO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with Admin Recovery, LLC (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This representative from a XXXX collection agency ( # is XXXX ; then continued calling from an unknown number ) calls me repeatedly ( averages about XXXX20 times per day back to back ), and cusses me out calling me all kinds of names such as XXXX scum of the earth '', etc. I have told him that I will file a complaint and he says that he does n't care, and will have me arrested for not paying my debt. I am tired of his harassment. He refuses to give me a name but says he can be called XXXX I am tempted to call the police on him.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Medical) with Applied Business Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a couple of letters from " Applied Business Services, Inc '' claiming they are a " Security Collection Agency '' that is stepping in to secure medical payments for XXXX XXXX Urgent Care from me. 

I do n't believe these letters are legit, because the Urgent Care I visited has my credit card information on file, and I have never received a bill from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation