milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: When I applied with XXXX University my expected graduation date was supposed to be XX/XX/XXXX so my funding package was created ahead of time until that date. When XX/XX/XXXXcame around I noticed that I still had 3 classes left, so when I got a call from XXXX stating that I needed to schedule a exit exam because I was about to graduate I asked how that was possible considering I still had 3 classes left. The person I spoke with looked into it and said someone else needed to call me back. I then received a call a few days later from my academic advisor stating there was a mistake and somehow my file ended up in theXX/XX/XXXXgraduation pile which mind you, my enrollment forms and financial forms all have XX/XX/XXXX as my graduation date. So she said that would request an extension for my financial aid coverage which she then told me was approved and I would be covered for the last 3 classes. I then received a call from XXXX towards the beginning of XX/XX/XXXX stating that there was a mistake with my financials and my last class would not be covered and it was going to be {$2000.00}. I explained that I did not have money and was told I would be covered so then XXXX  academic advisor then told me to apply for a private loan which I did not think I would be approved for since my credit was already bad. She stated that she knew for a fact I would get approved if I applied for XXXX XXXX XXXX XXXX, which I did apply and I did get approved but of course there was an error on their part again and she told me I only needed to apply for {$1300.00} and the difference would be taken care of but I guess XXXX XXXX XXXX XXXX has a minimum loan amount of {$2000.00}. So I had to reapply again which was 2 credit hard inquires that I took. I then failed my class and asked for a substitution class within that same category and I was told there was no way I would be able to by the Dean via email. I was then told that my only option was to withdrawal which I asked for the forms and emailed them back due to the financial fraud that was conducted. I started receiving statements from XXXX XXXX XXXX XXXX on XX/XX/XXXXand I made the first payment but by the next statement I realized that XXXX XXXX XXXX XXXX was taken over by the company XXXX XXXX XXXX so I did some research and XXXX is a financial company within XXXX which I was originally told it was a separate financial Loan institution. I have all the fraudulent financial information and current billing statements. I do not believe i should be responsible for this out of pocket expense.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Contacted Citi about a charge on my account and they are giving me a complete run around. Already confirmed with the card network issuer ( XXXX ) regarding issue and they confirmed dispute is valid and eligible for a conditional credit which Citi is refusing. Called at least 10 times with no success

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 non-monetary relief
Consumer complaint received 01-05-2016 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (WV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Concerning XXXX CitiBank credit card. I paid the balance on my credit card account in full in XXXX XXXX. CitiBank proceeded to charge me {$0.00} minimum interest in XXXX, then charged fees every month thereafter without notification. 

After contacting CitiBank to close the account, they refused.

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 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I traveled to XXXX inXX/XX/XXXXand used my Citibank Mastercard on XX/XX/XXXX for 1 transaction at a restaurant ( XXXX XXXX ) for {$59.00}. When I returned to the US, I found a second transaction on my account from the same restaurant for {$350.00}. I immediately contacted Citibank to report a fraudulent charge on XXXX/XXXX/XXXX and was issued a credit and a new card. 
Since then, Citibank has re-added the {$350.00} charge to my account twice ( on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with the following explanation ( from a Citibank letter dated XXXX/XXXX/XXXX ) : Our investigation found that the disputed charges ( s ) is not related to a fraud disputes ( s ). You provided your credit card number to XXXX  XXXX XXXX XXXX XXXX XXXX, therefore, this charge ( s ) is not unauthorized. 

In other words, I used my card for a legitimate transaction, so they think any fraudulent transactions that occur after that are still authorized, which is clearly against my card holder agreement. 

I have submitted documentation to Citibank contesting the charge as fraud with my legitimate receipt 3 times. I have spent several hours on the phone ( on XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX ) with Citibank representatives and supervisors, being passed back and forth between the Billing Dispute Group and Security Services Group, with each group saying that I needed to speak to someone in the other group. As of today ( XXXX/XXXX/XXXX ), Citibank has added the fraudulent charge back on my account. They sent a copy of the charge from the merchant and it 's very clear that the signature was badly faked ( it is not even close to looking like my signature on the legitimate transaction ) and was processed hours after I left XXXX XXXX and was back at my hotel. 

This is not only terrible customer service, but it is clearly in violation of my cardholder agreement which states " {$0.00} Liability on Unauthorized Charges You wo n't pay for any unauthorized charges made on your consumer Citibank Debit Card and consumer credit cards. ''

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have two collections on my Experian credit report that are erroneous. They are from : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX These are medical collections that are not valid. I don't even know what they are doing there. I have no clue what they even are. I want them removed immediately.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: We just learned today of yet another credit reporting company Innovis after our information was hacked through XXXX. We had put credit freezes on the other bureaus several years ago and upon learning of Innovis are trying to do the same. Innovis has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation! 
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen. 
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period? 

We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People,  will rise!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Other mortgage) with PNC Bank N.A. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My sister was murdered on XX/XX/2015. I called PNC mortgage to file a claim on her mortgage insurance. They denied me that right stating they ca n't release privacy information to protect her identity. Since she 's dead there is no identity to protect. I informed them it was illegal to deny me the right to file a claim in a nutshell they said they did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had XXXX XXXX at my previous address in XXXX, nj. I had never been late or missed a payment. After a little over a year of having the service, we decided to put our home on the market and relocate to another city within the state of nj. I contacted XXXX to explain that I needed to cancel my service because we were moving. The customer service rep suggested I just freeze my account and unfreeze when we move into the new home. I paid my final bill and agreed to freeze the account. Unfortunately, we purchase a preforeclosure home and it took us nearly 10 months to close on the house. Once we actually closed on the house, I contacted XXXX to reactivate the service, but was informed that XXXX XXXX was not available in the part of town that we just brought a home. I was then instructed to return the equipment to a local XXXX XXXX store. I took all boxes and remotes to the XXXX XXXX store in which I was familiar located on route XXXX in XXXX, nj in XXXX XXXX. XXXX states they have no record of this and sent me a bill for {$1500.00} for equipment. I informed them, that I paid every service bill due on time. Every conversation is noted. I have no collection or lates anywhere else. Why would I not return equipment, i no longer can use? Why would i pay {$1500.00} for equipment I no longer use. I have since contacted Experian but to no avail. They seem to side with businesses. In fact, all other credit bureaus have confirmed and deleted this file except for Experian.

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 08/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Problem when making payments

Complaint: Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I XXXX in a Title 1 school for a period of time in excess of 5 years. According to the XXXX Loan Forgiveness program, I was eligible to have up to {$17000.00} of my student loans forgiven due to this work experience. I was eventually ( it took a tremendous amount of time ) approved for the forgiveness, only to have my loans transferred to a new company before the forgiveness was applied. The forgiveness was never applied to my loans and the new company has refused to honor the previous approval. Also, due to my financial status I have had to keep my loans in forbearance, accruing more and more interest charges for amounts I likely will never be able to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Last year after XXXX got caught messing with my escrow, the CFPB helped me out and got them to make some sort of terms with XXXX. As a result of this, my mortgage was sold to Carrington Mortgage Services. This year, Carrington cleaned out my escrow again, just like XXXX and now has decided that there is a shortfall. With little notice or opportunity to put money back into my escrow, they have elevated my escrow payment to more than I am paying on principal and interest. I feel that they are trying to cause me to default or fall behind on payments with the intent of charging fees and such.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Bank of America, i went in with information, Bank of America said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Bank of America, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from anxiety as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a home in XXXX XXXX with a conventional mortgage through XXXX XXXX. It was transferred to XXXX shortly after its inception. We received a notice in XXXX XXXX that the loan would be serviced by SLS. We did not set up an impound account for property taxes when we purchased our home. 
Because of that, we paid our property taxes prior to their XXXX XXXX due date in the amount of {$2500.00}. In XXXX XXXX, we received a check from our local tax collector/treasurer for an overpayment in the amount of {$2500.00}. After a telephone call to the county treasurers office, I suspected that SLS had mistakenly thought that we have an impound account. I promptly returned the check to the treasurer/tax collector with a letter stating that we do not have an impound account -- never have, never will. I also sent SLS an email alerting them of their error. 
Fast forward to XXXX XXXX, when SLS sent me a bill with a notation that I have a delinquent tax advance charge of {$2500.00} that is due by XXXX XXXX, XXXX. Please help. I do not want to pay for taxes that I have already paid. Please note that our local taxes are due in XXXX installments of {$2500.00}. I have paid XXXX installments.

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 03-07-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Due to several complaints regarding Champion aka Nationstar mortagage, and XXXX i have received documents from both companies. After reviewing the documents there are excessive red flags from different interest rates, loan amounts, to fraudulent signatures with different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with BB&T CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: A check in the amount of {$3700.00} was deposited into our bank around XXXX XXXX but has not shown up on our bank statements. We have been tracking the bank statements in the event there was a delay or problem and as of the XXXX statement still no deposit was shown. We contacted our bank, the 1-800 number and the XXXX local branches. No one has any information about the deposit. The organization that issued us the check says the check did clear their bank XXXX XXXX but say there is no information readily on the check to identify what bank processed the deposit. What do we do? Are there not tracking numbers to identify all banks involved in check deposit transactions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax shows a collection on my report with no account number and no name. 
this is not my account and I am unable to verify due to no inforamtion here is what report states : XXXX XX/XX/2017 {$1800.00} None provided

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To date and at the time of this submission, I have lodged XXXX Consumer Financial Protection Bureau ( CFPB ) Complaints that are automatically forwarded to the Department of Justice and the California State Attorney General ( AG ) related to Bank of America and my dealings with this company throughout loss mitigation workout assistance and processes. 
Bank of America has never once provided me with a response actually addressing many of my concerns deciding to continue on as they have been by misstating my concerns, supplying non-responsive replies, or cease communication altogether. 
The latest instance of this show of lack of good faith was XXXX XXXX, 2016 through the written response provided by their current legal advisors. It is unclear if Bank of America has withheld material facts from their retained attorneys who then proceeded to respond based on the information provided to them by Bank of America, or if the legal response is based on the account records including, but not limited to, internal Bank of America documents and documentation.

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 10/27/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Problems when you are unable to pay

Complaint: Due to identify theft, I feel behind on my loan payments to Chase Auto Finance. In order to protect my assets, I filed for bankruptcy in XXXX 2015 and included the Chase loan. In XXXX 2015, Chase repossessed the vehicle contrary to the stay issued by the bankruptcy court. While the vehicle was in their possession, the repo agent used it as his or her personal vehicle, got involved in an accident, and put their personal information in the onboard system. On XXXX XXXX, 2015, Chase contacted my bankruptcy attorney and told him that I could retrieve the vehicle as he had filed several Motions with the court. On XXXX/XXXX/2015, a friend and I went to retrieve the vehicle. We had to drive first to the repo agent to retrieve personal belongings and were hit with the {$100.00} fee to get the items back. I immediately called Chase and they called the repo agent 's office and told them that there were no fees to be charged. Then we drove to XXXX XXXX miles north to get the vehicle. While at the holding station, we learned that the full tank of gas had been used up, that there was damage to the vehicle, that the repo agent had put his or her personal info into the onboard system, etc. Thus began my more than 3 week odyssey to get my truck repaired, the keys reprogrammed and be paid for expenses related to retrieve of the vehicle. Since the vehicle had been damaged, the value of the truck had lessen and I am now under water on the truck. This does not include the fact that the damage to the truck has diminished the ability to sell the truck or trade it in at full value. I also put {$15000.00} down on the truck when I purchased it brand new.

Company response to consumer: Closed with explanation