milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
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: A charge of {$130.00} was made on my XXXX XXXX credit card which I did n't recognized.. I called on XX/XX/XXXX to file a dispute, which they did, they put a comment about my account being in dispute on my credit report which knocked off 7 point from my credit score and I got an email confirmation. On XX/XX/XXXX, I called to find out the status of the dispute, reminding them of Reg E compliance which they have 60days to resolve a dispute, though no provisional credit was issued to me. They said they were still working on it. 
On XX/XX/XXXX, my billing cycle closes and I see {$130.00} statement balance on my account and {$27.00} minutes minimum payment due on XX/XX/XXXX. I called XXXX to remind them that I am not required to make any payment on a disputed amount and if they 'd concluded their investigation, I was supposed to receive a letter explaining how and why the charge was a valid transaction. They agent said the last note stated that my account was handled by fraud department and he 'd have to transfer my call. He got fraud and they claimed I 'd have to report my card lost/stolen so they 'd close the account and receive a new card. I was flabbergasted by his remarks and I told him I would do no such thing, that was lying. My card is n't lost/stolen and why no one told me from the get go that it would have to be handled by fraud department. An agent filed a dispute case when I called on XX/XX/XXXX and added a comment to my credit report and they were just now telling me it had to be handled by fraud department. I insisted that I would not lie about my card being lost/stolen and I wanted that statement balance removed because I was n't obliged to make payments on a disputed transaction, he got very angry and was extremely rude. He put me on mute/hold and then hung up on me. 
XX/XX/XXXX will be 60days from the day the dispute was initiated and XXXX is trying to cover up, knowing fully well that this would be a Reg E violation.

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 12-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.

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 08/26/2016 about Payday loan () with CASHCALL, INC. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: Cash Call presented radio advertisements on predominately XXXXowned or XXXXlistening audience. The advertisement stated that the loan company was owned by an XXXX and operated quite differently than payday loan companies. I called to apply for $ XXXX and was told I only qualified for {$2500.00}. I was also told that if I did n't accept this loan, it would show up on my credit report as " declined. '' They played on the emotions of a person in need of assistance. The interest rate is nearly 300 % which was not disclosed prior to accepting the loan. 

While I was the XXXX one in this situation, these type of companies should be regulated and/or shut down and stop preying on minorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts accounts on my trans union report that are reporting incorrectly 1 bankruptcy not mine must be mixed file 2 nissisn infinity not mine mixed file 3 XXXX XXXX not mine

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 06/19/2016 about Bank account or service (Checking account) with BB&T CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: BB & T decided that they would investigate my checking account that I had with them in 2013. I was not recording my transactions accurately to where I was under the impression that I had available funds in the account when I did n't. During that time I also had an account with XXXX XXXX that I just opened because I did n't like the way that I was being treated at BB & T. BB & T closed by account because I was always negative and decided to inform XXXX XXXX who froze my money. I had to wait 7 DAYS in order to get my own money released to me. Then XXXX XXXX closed my account because of BB & T. Its really crazy because every time I go into XXXX XXXX, they offer me to open an account with them. I never ever want to do business with XXXX XXXX or BB & T ever again. I also make sure that when I hear consumers going to open accounts with them, I tell them of my story and they change their minds.

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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I applied and received a Nordstrom signature credit card with an initial limit of XXXX which was later increased to XXXX my first payment was made XXXX in cash and second payment made online was XXXX from my checking account. the card company put a hold on my card after making a full balance payment in XXXX for XXXX and a purchase for XXXX to XXXX. I called the company after I was declined a purchase at XXXX and I was told that they needed to verify information to remove the hold. I had verified the information and the agent informed me that the problem had been remedied. I continued to ask questions as to why this happened, I was told that it was because of the merchant ... also the location of the merchant that triggered this. I proceeded to ask for more information on what triggers these issues .... after that I was transferred to a supervisor for more information ... .. After asking him several questions was told the same thing ... .. at which time he became frustrated with my continued questions then said that I was being put on hold because of an address issue ... .. during the next few calls to the call center I was even told that the I needed 20 days for my payments to clear??? cash payments??? and also I needed to give them address information .... after further calls to the center I was told yet another reason ... now the company is requesting tax information ... when asking was this a common request or what is the policy regarding asking for this information I was told that I would not be given the companies policy ... .. I believe their is an underlying reason and that these different requests are not inline with general policy or how other customers have been treated. I have been given 3 different reasons and after the 1st call the account was supposed to be cleared instead I have believe that the company is finding reasons any reason to block or hold my card. my account is being treated in accordance to how other accounts are handled with this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Credit card debt) with Client Services, Inc. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX, I discovered that this information had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence. I have been keeping up with my credit file and attached is the screenshot of the removal XX/XX/2016. I disputed this issue with Equinox through fax and was given XXXX case numbers but the only issue " verified '' was about a student loan that they claim was in a bankruptcy case and I HAVE NEVER ever filed bankruptcy nor was that my current dispute so I am at my wits end and did n't know anything else to do to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Freedom mortgage soon after we closed. As soon as they got over, all XXXX broke loose : 1. We were told as soon as the mortgage balance dropped below 80 % of original loan, we were going to be able to recast the loan and get rid of the escrow. We called several times. Every time we called, the person at the end of the line was telling us a different story. We have several names of people that we called and we can produce evidence/records of these calls. 
- we sent our request in writing for the above things to happen - we sent the payment in, plus the recast fee ( they actually double charged the recast fee ) - Our loan balance reached below 80 % on XX/XX/XXXX. However, they did not recast our loan until XX/XX/XXXX after calling numerous times. 
- We were told the PMI was going to be removed when the loan ratio dropped below 80 %. Even the end of year documents received show that should have happened AUTOMATICALLY under the Homeowners Protection Act of XX/XX/XXXX, but although the loan ratio is now ~36 % we are still paying escrow and PMI. 
- they paid our property taxes twice, first in amount of {$3000.00} ( which is correct based on the paperwork received from the county ) and another time in amount of {$3100.00}, which there is no evidence of what this amount is. The end of the year document lists this as " XXXX '', however the amount for school was already included in the {$3000.00}. 
We are at the end of our rope. We do n't want to call anymore only to be told that things are going to happen soon ... .but they never will ... Please help

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 11/27/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Navient, the manager of the my Federal Student Loans, has no right to collect on my student loan balance because the majority of the debt was incurred by my attendance at the University XXXX XXXX ( XXXX ) ; a now defunct For-Profit educational institution. For example, XXXX XXXX XXXX, the former president of the XXXX XXXX XXXX, purposely solicited unqualified students to attend the university campus in order to get more Title 4 Funding from which he could personally profit ( I was one of those students ). XXXX XXXX is well-known for achieving the de-certification ( XXXX ) of XXXX XXXX College before joining the staff of XXXX 's XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Furthermore, the alleged " fake degrees '' that they purported had no value in the contemporary United States Job Market ( I have never received employment related to my degree from XXXX ( i.e. XXXX : no XXXX positions at all ). Also, XXXX XXXX hired his sister to manage the accounting of the campus so that the numbers were " solvent '' enough to report to the main campus in XXXX, AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Furthermore, XXXX XXXX 's cronies, like XXXX XXXX and XXXX XXXX XXXX, " enforced '' XXXX XXXX 's policies so that there was no regression or ability for staff or students to address any internal financial or policy issues with the campus. 

To wit, I am claiming the Borrower Defense Against Repayment '' Statute embedded in Federal Law as the basis for my release from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Money transfers (Domestic (US) money transfer) with Amscot Corporation (FL).
Issue: Other transaction issues

Complaint: I have accumulated, over 4 years, money orders which I have stashed in a drawer in the event I ca n't pay my necessary utility bills, were I to have no work. 

Recently, I got them out and gave one, which I had left blank, to a repairperson who took it to his bank and came back with it saying it was outdated. That 's how I discovered that all these money orders, from Amscot, which I have been saving are " outdated ''. The Amscot teller said I had to read the back, which informs people, in very small print compared to everything else printed on the money order, that there is a 1 year expiration date. I have many times over the years, in the past received checks from companies, and they had printed ON THE FRONT, in regular or larger than regular letters a " valid until ... date ''. My question is why this should not be standard for the AMSCOT vehicles as well? Put this vital information where you see it, and not hidden, as it were. Do other companies have the option to put expiration dates on the back in tiny print? 
I 'm writing because I have lost considerable value to my checks as I return them to AMSCOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In 2009 I took out my 1st private loan with XXXX XXXX. I was uneducated on how the loan system worked but needed the money to finance school. Over the course of 4-5 years I accumulated a total of {$140000.00} + in private loans. Once my graduating grace period was over I had to repay them. I put them in forbearance without proper advisement from the loan company. I was totally unaware that there was only a certain amount of allotted time for different repayment options. Now 8 years later I am being forced to make unreasonable monthly payments of $ 900+ which leaves me with no money to survive with. Most months I 'm unable to make the payment and Navient ( formerly XXXX XXXX ) is unwavering on their decision. They are n't trying to work with me at all. I have children and {$900.00} a month is a huge amount for anyone to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Comenity bank charged me a late fee of {$27.00} on XXXX XXXX my payment was due on XXXX XXXX for my XXXX Credit Card. The balance for my account was {$170.00}. Then I received a credit for a return bringing my balance to {$130.00}. 

I believe Comenity Bankcharges excessive late fees for the proportion of a consumers balance. In addition I believe Comenity is charging a late fee on the accounts prematurely not providing consumers adequate time to actually submit their payment before a fees charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Transaction issue

Complaint: I am a victim of an online at home business scam. I received many unsolicited telemarketing phone calls from several companies, they all promised me profitable online business. This company, XXXX XXXX XXXX called me on XXXX, XXXX was the name of the agent that contact me, he was very persuasive. He explained that without the social marketing that my site would fail. He said that XXXX XXXX XXXX would do the marketing and develop keywords to increase the site visibility and that would get me up to the first page of searches. That they would do an average of XXXX posts to XXXX and XXXX, so I would have continuous exposure. XXXX XXXX would set up a XXXX ad words through XXXX. I expressed concern that the site was not active yet. He said that the marketing should be done way before the site is active to give it exposure so people will be able to find it. I was told a rep. Named XXXX would start posting immediately. I also be taught how to do this myself in the future. XXXX would continue posting as long as I paid {$99.00} per month. If I did n't continue, that the site would not be viewed in searches. Also, that without a targeted XXXX release the site would fail. XXXX then spoke to me about renaming the website. We did some brainstorming on the phone and came up with " XXXX XXXX '' and the lower price of {$2800.00}. I only saw a few posts here and there. I lost contact with them once I asked for my refund, they decided not to answer my calls or return it. I believe they never had any intentions of selling me a legitimate business and actually make money of it like they promised me. I was scammed and I need your help to get my refund since they never provided me with the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against XXXX because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of AFNI , INC has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

AFNI Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX, my XXXX credit card was charged twice for a dollar each by Experian even though I never requested any services or reports from them. I then requested XXXX to issue a new credit card number due to the fraudulent charges, and haven't used that card since. On XX/XX/XXXX, my XXXX account was charged again twice by Experian for {$29.00} each. I still did not authorize any services from Experian that would result in these charges. I called Experian to attempt to see what services they were charging me for and to ensure they were cancelled, but I was left on hold for XXXX minutes without being able to speak with anyone about these unauthorized charges.

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 04/21/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo , whom we do not and never have held a mortgage with, erroneously paid our   XXXX     XXXX   XXXX   property taxes and is seeking reimbursement. I confirme d Wel  ls Fargo m ade the payments with the   XXXX   XXXX   XXXX   XXXX   XXXX  . On   XXXX    , a  Wells Fargo  Claims Processing Representative explained our tax ID # is similar to  one of Wells Fargo 's customers ( differs by a digit ), thus, Wells Fargo paid our property taxes in error. Based on internet research, Wells Fargo has made many errors in regards to property tax payments.

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 05-06-2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There are  XXXX  accounts that do n't appear to be mine Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$2500.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$560.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$3600.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$440.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation