milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I used XXXX XXXX XXXX Card in XX/XX/XXXX-XX/XX/XXXX and is supposed to receive XXXX points to my XXXX XXXX reward account. However, until now I still haven't received any points. 

I have sent messages and called to customer service of XXXX and XXXX to resolve this matter multiple times. We even have a conference call between XXXX, XXXX, and me. However, this problem still is not fixed.

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 05/16/2016 about Bank account or service (Checking account) with Navient Solutions, LLC. (MO).
Issue: Making/receiving payments, sending money

Complaint: I was trying to pay my student loan with Navients automated system. It would not let me pay what I wanted to pay it put in {$1000.00} payment to come out of my account. Is it legal for them to put the amount in for you automatically??? What can I do??? Who can I complain to about their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX  I received a letter from  Wells Fargo informi ng me that my PMI was cancelled as of  XXXX  the amount that was taken out for the PMI was $  XXXX  each m onth, they continued to take the money for  XXXX ,  XXXX ,  XXXX . The new loan amount was $  XXXX  they continued to take out {$1100.00} until  XXXX , I have called them at least  four tim es concerning this matter each person has a different explanation of where the mon ey is one sa y it in the escrow account, the other say they can send me {$80.00} my escrow account is up to date I just sent {$200.00} in  XXXX  to make up the shortage so I think that the money is ours and should be sent to us.im not sure if they can just take our money and as they please, I thank you f or any help you can assist me with, The mortgage is taken out of our Wells Fargo checking  account the  XXXX  of ev ery mounth

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 03/25/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX XXXX  and XXXX XXXX from citibank executive response unit are sending me letters with a presumption that i owe them something, the letters are evasive and misleading, I HAVE NEVER RECEIVED A ''BILL '' FROM CITIBANK OR A SWORN AFFIDAVIT TO SUCH MATTERS OF A ''DEBT '' OWED, THEY ARE KEEPING A SEPERATE LEDGER THAT EVIDENTLY IS A SECRET, THEY WILL NOT GIVE FULL DISCLOSURE, THE CHECK MAY HAVE BEEN UNPAYABLE FROM THE SOURCE WHERE I GOT IT,, BUT THATS NO PROBLEM BECAUSE THEY FUCKIN SOLD IT AND MADE OUT QUITE WELL AS I AM STILL INVESTIGATING THIS SECURITIES INSTRUMENT WHERE IS SHOWS MANY ROUTING NUMBERS PROVING TRANSACTIONS WERE IN FACT MADE AND PROFITS, CAN YOU TWO XXXX  CRIMINALS EXPLAIN TO ME ALL THESE NUMBERS ON THIS CHECK AND WHAT IT MEANS, OK, WELL I WILL EXPLAIN IT TO THE AMERICAN PEOPLE IN DUE TIME HOW YOU XXXX XXXX THIEFS LIARE RIPPOFS DO YOUR RIPP OFF BISNESS, , NOW STOP PLAYING GAMES, IF I OWE YOU ANYTHING SEND ME A XXXX BILL, XXXX XXXX  sent me a little book stating its the federal law that banks can keep the original check, WELL WHERE THE XXXX IS THAT FEDERAL LAW CITATION, ID LIKE TO SEE THAT ONE YOU XXXX LIAR

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 07-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I have a Helco that will set next month to more than what I am currently n. I CAN NOT afford this new payment each month! My circumstances have changed significantly now I am permanently disabled and unable to work as explained in complaint # XXXX Ditech sent another letter this past weekend reminding of the payment again. Ditech is s servicer of an investor that participated in the TARP program, acquired my loan from a predator lender. Ditech participated in the Making Homes Affordable but failed to reach out to me when I was eligible for the program ( s ) as suggested by OCC. <P/>It is now inevitable I will default as my monthly mortgage expenses are more than my income after taxes due to a recent change. This investor is not primary lien holder and may not satisfy the debt after legal fees and statutory government fees I will end up being put out with no money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Fraud or scam

Complaint: I had posted an ad looking for XXXX tickets to a concert. I was contacted by someone named XXXX XXXX who had provided me pictures of the tickets and had agreed to send them via fed ex. They required me to send the money via western union in XXXX. I had sent the money and then they stopped responding to my texts. The money was picked up before I could cancel the transaction and the receiver no longer answers my calls or texts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) on the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX is blantantly lying that they did not receive appeal letter. I am enclosing copies of email I sent to SPOC on XXXX/XXXX/16 regarding I am appealing this and to send me any forms needed. Since he never responded I sent my letter which was not expressing I want to appeal. IT STATED I WAS APPEALING and the reasons why. BSI is trying to play a game and this is infuriating with their lies. XXXX XXXX XXXX XXXX received a Cashiers Check for XXXX so their telling me I owe XXXX from them is a lie as well. They released lien when paid in full!! I will send copy of cashiers check as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/XXXX I took a car loan of {$16000.00} from wells fargo services dealer. 
Till this date XXXX/XXXX/XXXX i have pay more then that loan amount of {$16000.00}. 
My car value is way less then what i owe, and the remaining balance keep increasing. My bill amount it always vary. 
I think that if i have pay more of what my car loan amount was they should just clear my debt. 
But they do n't want to believe in my math calculation they do n't care they said, that they do n't know where am getting those numbers. 
I told them i added all my bills payment since the day i started to pay my car loan.They reply back that they not allow to do the calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: trans-union removed my inquiries and put them back on without notifying me. ACT 611.

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 06/17/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Please note that I have done everything humanly possible to SAVE MYHOME! The last straw happened today XX/XX/2016. I feel as if my case could 've been finished sooner if the bank would 've communicated internally to find my checks. I CALLED AND PROVIDED PLENTY OF INFORMATION REGARDING CHECK NUMBERS, CHECK AMOUNTS AND THE ADDRESS THE CHECK WAS SENT TO AND I WAS INFORMED THAT MY CHECKS WOULD LIKELY BE SHREDDED AND IT WOULD TAKE LESS TIME TO PLACE A HOLD ON THE CHECKS AND RESUBMIT!! I did as I was instructed and they will not check for the location of the checks or take my payment of {$250.00}. This has ruled me out of a modification. Here is what happened. I had XXXX checks sent to Citimortgage XXXX in the amount of {$5000.00} and another in the amount of {$470.00} the check numbers were as follows {$5000.00} and XXXX in the amount of XXXX both checks were mailed on Saturday XXXX XXXX. On Monday I contacted Citimortgage to see if they received the check and they did n't so I called everyday and I provided them with the check numbers and the address it was sent to I was not informed that my checks would be scanned and shredded if they arrived at the corresponding address XXXX XXXX XXXX until after I spoke to my Counselor for our scheduled conversation on XX/XX/2016. I was under the impression that it would be simple for Citimortgage to communicate with the correspondence unit about my check information and then process the checks. Once I spoke to XXXX XXXX I was told that it would not be a simple process and it could take up to 2 weeks if the documents were not shredded. As per her directive I had the checks cancelled and reissued again. The new check numbers are as follows XXXX in the amount of {$5000.00} and XXXX {$440.00}. I also called to inform Citimortgage that the checks we 're mailed out and that I used the new address that a rep and counselor gave me. I thought they could trace the checks to tell me exactly were they were. But no, I was told that they did n't get the check and they would contact the advocate department. Also no customer service rep would take my debit payment of {$250.00} dollars until they processed the missing checks. This is terrible and I have been taken advantage of once again. These XXXX checks will make my trial payments total to close to over {$16000.00} Although it 's clear that I have accurate info they will note contact staff members with the check numbers to process documentation. I am XXXX afraid of what will happen to my home. To make matters worse I was not given an appointment to speak to my counselor until after my deadline. This means XXXX checks were sent and an outside trace shows the first set of checks being delivered to the post office. PLEASE HELP ME!! These checks that have been sent and have traceable I information are about to make ME HOMELESS!!

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 04-10-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted Bank of America and provided a police report as well concerning the identity theft that occurred. Bank of America WILL NOT PROVIDE me with my signature nor where this app was done and filled out at. They are a bank that people really need to not do business with.

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 09/15/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: the number provided represent a company I am independently contracted with but is not an employer - they have been notified to never contact me at any employment/contract venue ever. They have been notified repeatedly and continue to violate the request. Further, the last occurence, they failed to DISCLOSE the conversation was being recorded until AFTER making the representation that we were " friends '' or otherwise had an existing relationship - WE DO NOT. These tactics violate the consumer rights on many levels. 

Further, the amount of repeated calls - even several in one day is beyond normal volume and is considered harrasment.

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 12-08-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: On XXXX/XXXX/XXXX I received a phone call from my neighbor that a tow truck had pulled through my fence and into my yard to tow my car. Because I was behind on my car payments I phoned XXXX XXXX who had merged with my original loan company named XXXX in XXXX. The original loan was with XXXX in XXXX. When they merged I only received XXXX billing statements over XXXX XXXX years. I sent payments with old statements or just a check or through XXXX XXXX. 
When I called on XXXX/XXXX/XXXX, They had no idea or documentation regarding the repossession, and could not answer why I did n't get any letters about the intended repossession. I was asked to call back in XXXX hours. After calling back and speaking with different people and different departments through out several calls the dame day, I was told that I would have to pay a total of {$2800.00} or a minimum of {$2600.00}. On the same call I was told if I pay XXXX of the XXXX due payments I could get my car back. Earlier I was told that this would n't include fees because they had n't been determined yet. However, when I called back on XXXX/XXXX/XXXX I was informed that I had XXXX pay {$3500.00} ( the total amount of the XXXX back payments Plus the late fess, tow fees, and repossession fees. This was contrary to what I was told a day earlier. 
In addition, I explained to every agent that I have not worked full time since XXXX XXXX, and that I had filed for Federal Social Security XXXX. I asked several times to refinance the loan. They refused each time.I even asked on XXXX/XXXX/XXXX, only to be denied. Finally, I should have received notice of pending action by the company regarding intended repossession.. Also, I should have received statement each month after the merger. No one could explain why I had n't got any correspondence. They said they 'd did n't have the change of address I made on my XXXX payment, but they had the right address to repossess the vehicle.

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 07/24/2017 about Student loan (Federal student loan servicing) with MOHELA (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XX/XX/XXXX - student loan paid off, letter attached, XXXX XX/XX/XXXX- Contacted by XXXX XXXX about my loan, letter attached - XXXX XXXX XX/XX/XXXX - signed intent to pay under threat by XXXX XXXX to Attach pay XX/XX/XXXX- found XXXX Letter of proof of payment in XX/XX/XXXX, letter attached - XXXX XX/XX/XXXX- Mohela obtained loan contact via letter for payment transfer XX/XX/XXXX - Contacted DOE - XXXX XXXX XXXX, Faxed to XXXX Case # XXXX my documentation of proof of payment of loan. Received a call in XX/XX/XXXX about the same matter from XXXX XXXX. Did not realize she had spoken to me. Asked her what she had done to date. Response was she would get in touch with Mohela about cancelling debt collection and clear credit. Have never received any information in writing or phone call back concerning this matter. XXXX XXXX XX/XX/XXXX- Contacted CFPB regarding matter XX/XX/XXXX - Received response from Mohela that was not satisfactory. I want copies of my loans and pay off dates and schools, etc. - XXXX XXXX Legal action pending the outcome of this filing and FCC Complaint also with Department of Banking debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: My XXXX-year-old son and I were reviewing the transactions in his Wells Fargo savings account ( which is linked to my account ), since we were puzzled by the low balance. He insisted that he had not made one of the ATM withdrawals that was shown, although it was the ATM that he usually goes to. I called Wells Fargo, and they said they would look into it. A day or two later, I received the attached email saying that the investigation was complete and that they had " determined that an error did occur. ''

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 12-01-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Delinquent account

Complaint: I had an account with Walmart. The account was sold to XXXX and then again to XXXX XXXX. I have paid this account in full to XXXX XXXX and Walmart will not remove/update this information with the credit bureaus. They are telling me that XXXX XXXX has to report it when in fact they ca n't report a payment that they never reported delinquent. The person reporting the delinquency has to report the payment.

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 08/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Any issue with Navient regarding student loans is of great concern, because when I notice a Navient action that is incorrect and fraudulent, there is a high degree of certainty that the systemic and persistent errors are also being applied to XXXX student loan borrowers with XXXX dollars in student loans. 
My Dept of Education loans are in deferment, and I simply wish to make small payments during the deferment period in order to pay down the accrued interest so that a large amount of interest is not capitalized ( adding to the principal balance on the loan ) at the end of the deferment period. 
I am being prevented from making payments towards accrued interest. 
In every document that I can find, payments on student loans are supposed to be allocated first to fees, then towards interest, and then only then towards principal balance. 
I received the following response from a Navient Customer Service agent : " Our records indicate the loans are in an unemployment deferment until XXXX XXXX, 2017. The federal government pays the interest that accrues on any Subsidized Stafford Loan during deferment periods. Loan XXXX is subsidized, therefore, there is currently no outstanding accrued interest on this loan so payments are being applied to the outstanding principal balance. Loan XXXX is unsubsidized and there is currently {$90.00} in outstanding accrued interest, therefore, payments are being applied to the outstanding accrued interest. '' The statement above is inconsistent with the payment allocation rule. 
My payments during the deferment period should be applied towards accrued interest first.

Company response to consumer: Closed with explanation