milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2016 about Bank account or service (Other bank product/service) with ZIONS BANCORPORATION (NV).
Issue: Making/receiving payments, sending money

Complaint: For years we have used billpay to make a payment to Nevada State Bank without problems. In XXXX we received a notice stating no payment has been made. On XX/XX/2016 a payment was deducted from our account at a XXXX where my wife works. On XX/XX/2016, a past due statement arrived in the mail. XX/XX/2016, On a 3 way call with billpay and Zion, NSB 's parent company, My wife was told to stop pay and reissue another payment by a Zion rep named XXXX. XXXX reissued another check and sent a letter of good faith. On XX/XX/2016, per XXXX made a 3 way call to billpay and this time got XXXX. They finally received the first check which had a stop pay on it and told us we would be charged {$25.00} for non sufficient funds, 2nd check had still not arrived with no explanation as to why. XX/XX/2016, another 3 way call to XXXX who transferred to XXXX for removal of NSF. She agreed to remove it XXXX time for something called life of loan. XX/XX/2016, Another 3 way call to XXXX who verified payment was posted on XX/XX/2016 for XXXX payment with a late fee of {$16.00}. XX/XX/2016, billpay sent a check due for XX/XX/XXXX, XX/XX/2016, called billpay to confirm check was cashed, it was not, tried calling Zion 3 different times, hung up on 1st time, next 2 attempts phone was hung up immediately. Billpay rep can confirm this. As of XX/XX/2016, we are waiting on a call from billpay, they are attempting to resolve the issue. 
My wife asked if she should send a payment in 2 weeks before it 's due and was told that was not needed as they back date journal entries. 
We have worked hard to keep a good credit score and Nevada State Bank or Zion is not helping.

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 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all XXXX credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for  the Amazon Visa Rewards c ard for the cash back and promotiona l Amazon  credit. I currently h ave   XXXX   ca  rds and a good credit score with no marks against it. Chase did conduct a hard credit inquiry, so they were aware of my standing. I 'm certain that I qualify for this credit card.      I was asked to submit proof of my identity such as a government issued ID. I sent a copy of my state driver 's license and a copy of a recent bill. I was then notified that the application was closed, and I was given no reason as to why. I also inquired as to what I could do to satisfy their requirements to prove my identity, and they would not tell me. I called multiple times and spoke with multiple representatives, and none of them could give me a reason for the closure or information about what I could do to satisfy them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my XXXX credit report and noticed there was XXXX hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.

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 05/19/2015 about Mortgage (Other mortgage) with U.S. BANCORP (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan modification/loss mitigation options are denied because lender states they have not received the requested documents. The requested documents were repeatedly submitted. The last date consumer submitted the documents to lender was XXXX XXXX, 2015. Additionally, lender repeatedly asked for letter from former employer stating consumer is no longer employed despite having a letter from the consumer stating she is no longer an employee of the company and a Notice of Separation from Consumer 's state 's XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Debt collection (Medical debt) with First National Collection Bureau, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If  a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ),  that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is reference to complaint  XXXX ,   XXXX   and  XXXX . This account from Office of Attorney General is reporting incorrectly. I have paid every month as agreed. The agreed monthly amount has been coming directly out of my check. However it is being reported delinquent when it is not. All months starting from  XX/XX/XXXX  to current needs to be noted and reported as paid as agreed each of these months. Even though I am paying monthly, which is being directly taken out of my check. OAG is still reporting delinquent each month. That is incorrect and unfair. OAG is reporting delinquent each month vs paid each month.

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 02-09-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home in XX/XX/2016. In XX/XX/2016 our mortgage was transferred to another bank. In XX/XX/2016 it was transferred yet again to another bank. Our last payment to the second bank was misapplied onto principal instead of to our monthly payment. Since XX/XX/XXXX we have been in continual contact with the second and the third mortgage company trying to get the XXXX payment put back onto having been XX/XX/XXXX payment instead of some random payment to principal. We were worried about our credit looking bad and finally made a payment to the newest lender with their assurance it would be applied to XX/XX/XXXX ( not reapplied to XX/XX/XXXX, as that payment was trying to get fixed ) but it was n't and we are now repeatedly coming up as weeks behind on our mortgage. The chain of our mortgage was : XXXX then XXXX and now Loancare. We have done all that we could and decided to reach out to you for 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 10-04-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For 12 Months Straight, Heartland ESCI has sent incorrect paper invoices via mail including late fees. Upon calling the company, they apologize and tell me to disregard. However, online the account is showing there are no late fees. It is getting aggravating to continuously receive paper invoices of incorrect amonts and stating I have late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My Mom did a reverse mortgage and she just passed XX/XX/2015 now the reverse Mortgage company Champions is not giving me time to get the proper documents in order to buy back home, I ask for an extension. Its only been a month I do n't even have a death certificate yet. The will has not been probated. My god these people are very insensitiveto helping us to keep home. They just want to foreclosure do n't they need a death certificate to prove a person is deceased. And give the family time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a phone call this morning at XXXX regarding payment on our mortgage, which had already been made the previous day. I had advised a representative on XXXX/XXXX/16 of the payment and gave the confirmation number. I still received a phone call today at XXXX regarding this month 's payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was the victim of an employment scam and credit card fraud that effected XXXX of my credit cards. I was offered a job working freelance for a company named XXXX XXXX XXXX, based out of Florida. I did work for the company and then purchased materials and was reimbursed via electronic funds transfer directly to my credit card. Once the materials were delivered to the employer they reversed the transfers leaving me with over {$30000.00} in credit card balances and stole the materials I had worked on. One of the credit card companies, XXXX, approved my fraud complaint and cleared the charges. The other, CitiBank, denied my claim and is now charging me interest and pending late fees on a {$16000.00} balance. They took over a month to investigate and then decided to deny my claim so it has taken a long lasting impact on my credit and now I have even more debt racked up. I am refusing to pay any of the debt and am at a lose at what to do.

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 08/29/2016 about Payday loan () with Premier Portfolio Group (IA).
Issue: Charged fees or interest I didn't expect

Complaint: I received a call at work on XXXX/XXXX/XXXX at approximately XXXX CST. The call was from a company called Premier Portfolio Group claiming that I owed a debt from XX/XX/XXXX. First, I did not recall the debt and was shocked to find out that I owed money to this company because I check my credit monthly. XXXX XXXX was the representative I spoke to initially. I started asking questions trying to validate that it was an actual company and not fraudulent. XXXX transferred me to XXXX. XXXX asked me how I could help her. I stated, I just need your business address to verify you are a legitimate company. XXXX stated it is not her company 's job to verify they are legitimate and I was to respond to the debt. I explained to her I do not recall the debt and if she could send me something that I could look at. She explained letters have already been sent and that I should have responded to them. I stated I did not recall receiving any letters from her company. She took down my email address and said she could send something now to my email address. I have not received paperwork at my email address. I asked her is n't she required to send written documentation after she has had contact with me. She said no and that if I do not response I will be taken to court and sued. I DONT EVEN KNOW WHAT THE DEBT IS??? She asked me if I am disputing or validating the debt. I explained to her I am doing nothing because I do not know what exactly the debt is and again asked for some kind of written documentation to be mailed to me. She said no, it has already been sent. She again asked if I was disputing the debt. I told her to do what she has to do, I am not disputing or acknowledging the debt, but will figure out what it is once I get the email. She said unfortunately, once she hangs up the phone it is final and can not be reverted. Huh?? I asked her to NEVER call me at work and gave her an alternative method to contact me via cellphone. 

Note : The company also stated they are collecting the debt plus XXXX for court fees. I have not went to court??? or been served! 

All I need is the company to provide details on the debt so I can figure out what is going on and make arrangements accordingly if it is legitimate. I do not appreciate being threatened with court if I do not respond the exact minute they call when I have no idea what the debt is. 

Please address this with the company, and I would still like to see what the documentation or debt is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had several deferred loan modifications with   XXXX   XXXX   XXXX    Between the years of  XXXX  and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In  XXXX  I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.

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 07-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: - My year to date escrow balance on my mortgage statements dated XX/XX/XXXX through XX/XX/XXXX show a different balance than I have made so far for the year. This is alarming because Ocwen can not account for the additional balance reflecting in my ytd es

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I set up a monthly payment of XXXX $ and two months it was taken out of a prepaid card the next month XXXX was taken out of my account and I called to resolve the issue. They send fax my statement which I did about 4 times they never received. I was speaking with a XXXX or XXXX, now another representative calls me to accuse me of lying. She hung up the phone after threatening me while I was asking for the company email or personal so I can send her the proof. Her name was XXXX. I have attempted several time to call her back and no response I also found the company phone number no one answers as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2016 about Consumer Loan (Installment loan) with Mobiloans, LLC (NJ).
Issue: Taking out the loan or lease

Complaint: In a time of financial hardship, I turned to the internet in search of a personal loan. I ran across many websites which purport to lend installment loans at a much higher interest rate. At that time, I was unaware of the usury laws which protect consumers of NJ from loans with interest rates above 30 %. I was in such dire need that I applied for numerous online installment loans and was approved for all three. I made payment religiously whenever they were due, however, I was recently made aware by the attorney I work for that these loans are illegal and that most likely none of these lenders is licensed to lend monies in NJ. Any money owed to this company was paid well over the amount borrowed. The interest rate charged was well over XXXX %. This complaint is for one of the companies, however, I will be submitting separate complaints for each of the lenders.

Company response to consumer: Untimely response
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Here comes C ITI Bank credit card for XXXX store accounts for customers only. 
My experience was if I had $ XXXX credit limit and I gassed up on a trip, the card shuts off at $ XXXX to pay now? If on a trip you ca n't buy more gas? 

Upon billing, if you are late until you get back home, THE FEE IS {$37.00} [ USUERY? ] plus a 10 % interest charge on top of FEES? 

I canceled my card with a $ XXXX credit balance which I have n't received a check for? 

C I TI BANK needs a grooming on credit cards which are not a Bank Loan?

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 10/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Problem with additional add-on products or services

Complaint: XXXX last year I got an XXXX and I enroll in the upgrade program which let me change my phone every year ( with citizens one ). a year has pass and I am trying to upgrade my phone but in the process they are asking me for a credit card which I do not have. I already have 2 programs and they have withdrawing money from my checking account with no problem. When I call them they just apologized and told me that some rules had change ( without me being notified ). I believe it is unfair to advertise an upgrade program and when trying to upgrade find out it is not possible. Now I am stuck with this phone and Citizen One did not deliver on their product.

Company response to consumer: Closed with explanation