milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The car company calls me six times a day after I 've made arrangements. They say that I have to post date a check for the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I received an email XXXXXX/XX/XXXX, saying that a debit will me be made from my account in the amount of {$370.00}, please ensure that you have funds available to cover this debt. The loan was taken out on XX/XX/XXXX from someone else. I contacted Cash Center and they told me this was the 6th loan taken out, I explained to them, I do not have or ever had a XXXX XXXX  card, which they applied the loan to. So they told me that I would need to fill out the Identity Theft Victim 's complaint, which I did then I asked them about the other loans, the woman XXXX  told me since it's a fraudulent loan they could not give me the information about where the money or how the money was funded. I do have the dates of the other loans. I have filed a police report and have XXXX and contacted the IRS and IdentityTheft.gov. Now I am filing a complaint with you. What kind of business puts money on a card, which is not affiliated with a bank or has a bank account, checking or statement. I do not have a bank account, have not in the past 4-5 years. Not sure how they got my ss, I know with the XXXX breach. I have gotten more emails from Cash Central/Choice Financial that the debit did not go through, and have put added expense on the amount. I am very upset about this and having to jump through all these hoops for something someone else has done. The other dates areXX/XX/XXXX {$350.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX{$350.00}

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 01-11-2016 about Bank account or service (Savings account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: I had both a checking account and a money market account with Huntington Bank. I transferred the money from my money market to my checking account and then wrote a check in order to move the money to another bank with higher interest rates in XX/XX/XXXX. I then requested that the accounts be closed. My checking account got closed out but the money market was left open. In XX/XX/XXXX I was charged a $ 20 monthly maintenance fee. I spoke with a man on the phone who said he would take care of the fee and have the account closed. However, I was charged another maintenance fee in XXXX and then I was charged XXXX extended overdraft fees of {$25.00} each in XX/XX/XXXX. Someone from Huntington called me and I explained things and they stated they needed to talk to their supervisor. I never received a call back. I called Huntington on XXXX/XXXX/XXXX and spoke with Customer Service. They said they would file a complaint for me and someone would return my call within 15 minutes, but that I needed to call on Monday and talk with an Account Closure rep. No one ever called me back. I called on Monday XXXX/XXXX/XXXX and the man I spoke with was n't able to help. I asked for a supervisor and after waiting 20 minutes on hold, a supervisor who would only give the name of XXXX, said she could n't help me - I needed to be transferred to customer service!! 
I said I would not be put back on hold and requested a call back. She said this was not possible. I was not able to hold any longer. Obviously, I just keep getting a big run around. I want my account closed out and all these erroneous fees removed. I also want to be sure that nothing is reported to a credit bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Debt collection (Auto) with Northstar Location Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Northstar Location Services , LLC ( NLS ) initially contacted me on XXXX XXXX, 2016 when it mailed a letter proposing that I settled an expired, outside the statute of limitations, debt. This letter was their initial contact with me pertaining to this debt. NLS has not contacted me after this initial contact. The letter did not contain the right-to-dispute the debt disclosures.

Company response to consumer: Closed
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have informed the Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, I still have not heard back from XXXX regarding my request. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over 20 points. I do not understand ... 

XXXX XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX -  {$1000.00}

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 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other

Complaint: Capitol One Bank XXXX The creditor did obtain a fraudulent judgment by filing an illegal lawsuit against me. Further, the judgment is now expired yet the creditors collection agency is still trying to collect on the illegal judgment. The creditor filed a lawsuit supported by a fraudulent " affidavit of Debt '' which was " robo-signed '' by the creditor 's employee. No actual verification of the actual amount owed was undertaken by creditor. 
Further the judgment has now expired yet the creditor and their agent are still trying to fraudulently collect upon this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We sent the final principal payoff amount for our home mortgage to Capital One on XX/XX/2105. We contacted the company last week and they confirmed receipt of our check, but stated it would take 3 days more to credit the final payment. It has now been 7 days ( 5 business days ) since they said they would credit our final payment, and XXXX calendar days since the payment was sent. We are concerned that they are dragging their feet, and we do not trust that they will fulfill their contractual responsibilities to close out our fully paid mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 consistently asked XXXX XXXX, Experien, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. XXXX XXXX has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They  will not budge on my requests to investigate these claims.

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 01-09-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX, I applied for the income based repayment plan because I am unable to pay my student loans. Prior to reapplying my payment was {$0.00} based on my income. I called Navient/Dept on of education on XX/XX/XXXX,  to retro my IBR payment plan since my account is 36 days past due and was told by collections XXXX XXXX that Its not the fault of Navient/Dept of Ed, that my student loan payment is behind. I requested to have IBR plan retro back to cover XXXX XXXX payment. I have used the IBR plan multiple times and a representative has gone back as far as 3 months without my having to ask. The supervisor repeatedly kept trying to offer me a forebearance. Instead of applying my IBR plan back 4 weeks, they would rather put me at a inconvenience or make more money by placing a forebearance on my account. Also my loans have gone from {$44000.00} to {$60000.00} in one year which makes no sense if I had a {$0.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with Van Ru Credit Corporation (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Van ru will constantly call you constantly send mail and constantly lie Department of education does n't care, and will still deal with the XXXX scammed XXXX Whatever you have to do to not deal with student loans, do it because all of it is XXXX. 
They all scam you together, nobody is on your side.

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 10-10-2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay excess principal on my monthly mortgage. The check is sent monthly for XXXX, and the mortgage payment due is around XXXX. Despite numerous calls ( around 10 ) to the mortgage servicer, they continue to intermittently misallocate my payment, helping themselves to extra interest or advancing my monthly payment by one month. They tell me it is fixed, and the next month they do the same thing. I bank with USAA Federal Savings Bank in TX. They originated the loan. Both XXXX and XXXX have serviced the loan, and both companies have repeatedly misallocated my payments. The information from XXXX is attached. The information from XXXX was modified after my call to them this week, and no longer reflects their misapplication of my XXXX or XXXX payment. This should also be illegal : changing banking documents rather than showing the correction-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack and my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute with Equifax that I had never made a late payment to XXXX XXXX XXXX XXXX. Equifax has responded to me, and I quote, " We have researched the credit account. Account # XXXX The results are : There is no historical account information currently on this account. This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. Additional information has been provided from the original soured regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX LA XXXX Phone : ( XXXX ) XXXX '' End quote. Everything listed there is totally contradictory. However, I have tried contacting XXXX XXXX directly. They are no longer in business! The XXXX phone number is a non working number. Mail sent to that XXXX XXXX has been returned to me with forwarding address unknown. Further, this account was transferred to another credit union in my area. I contacted them about the issue of this erroneous late payment, only to learn that they do n't have access to XXXX 's files from that time period and have no way to access them. I truly believe that Equifax did not investigate my dispute at all and is just saying they did. This is not the only account that Equifax is reporting recklessly and without recourse on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially due to being diagonosed with XXXX XXXX, which has become increasingly difficult over the pasr few years, both physically, mentally, and monetarily. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He wants to save his home that he resides in, desperately, and from my research and past twenty years of experience in the filed of XXXX XXXX, he does qualifty for a loan modification. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Chase, and not simply dismissed as he has been several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Billing disputes

Complaint: My bank, Union Bank was supposed to have paid a check in the amount of {$710.00} in XXXX to First Bankcard, my credit card company which will be taken over by Union Bank in about a month. I had to open a new checking account because I was burglarized and my checking information may have been compromised. Union Bank did not honor the check. I made a second payment via phone to First Bankcard in the amount of {$720.00} on XXXX XXXX, that included a {$10.00} service fee. I received a letter from Union Bank on XXXX XXXX stating that my check did not go through again. I paid {$890.00} on XXXX XXXX ( {$710.00} plus {$160.00} for the second month 's bill and another {$10.00} service fee ). 
My Union Bank statement shows that on XXXX XXXX, {$720.00} was taken out and on XXXX XXXX, {$890.00} was taken out. In essence I paid twice for the {$710.00} bill from First Bankcard. When ever I call First Bankcard, I am told that they show a credit on their end but can not tell me why I do n't see one on my statement. The assistant manager at Union Bank who was supposedly working on resolving this issue is not responding to my email or phone calls. She was the one who made the mistake of not honoring my check when I requested it twice, in person at the bank branch and later that day, in an e-mail on XXXX XXXX. 
First Bankcard states that I may or may not see a credit in 5-7 days. I spent over 2 hours on the phone with both supervisors from First Bankcard and Union Bank and no one has resolved my issue. I would like to be credited the overpayment from First Bankcard.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX XXXX XXXX attempted to contact Hunter Warfield Collections Asset Investigation via phone and I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that is not mine. The information was sent to the incorrect address and when I attempted to correct information agent XXXX XXXX was threatening and forcing actions on me. I do not owe feel this is a safe collections practices and it does violate FDCPA. Please assist me in correcting this unsavory tactics.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Money transfers (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other transaction issues

Complaint: on XXXX/XXXX/15 I sent a money transfer to capital one bank, XXXX, XXXX. we heard nothing from anyone until about XX/XX/XXXX, bank received information and that stopped the transfer. n asked for a letter to request the return of the funds that is attached. as of this time no money has been received back and they will not talk to me or give me any explanation. the money was for a business and due to them holding it it has caused great losses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My ex-spouse will be short selling the former marital residence where I hold a home equity line of credit. When contacting First Horizon/First Tennesse bank I was advised they would entertain a short sale and that I as the loan holder would still be able to pay them the full amount so it not damage my credit. I was told by their SVP and chief legal counsel that they are more than happy to accept payment in full and ontime however they still will put a negative mark on my credit report Bc of the word short sale. How on earth can someone be harmed by a negative credit mark if a loan is paid ontime and in full? It does not appear right.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please find the above collection agency by submitting a false sale from Capital One Bank Card. 

1 ) They allege that they purchased the debt from Capital One Bank Card # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from Capital One Bank Card # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Medical) with Capio Partners, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple calls and now a mailed invoice from Capio Partners LLC that claim I owe the XXXX XXXX XXXX a {$50.00} co-pay. I do not have a {$50.00} copay with the Clinic any copay I have is in the amount of {$35.00}. I called billing at the clinic and was told I owe nothing. I want Capio LLC to quit harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I AM XXXX XXXX. I XXXX XXXX XXXX  AND IF A PERSON AT CITI CARD DOES NOT REMOVE THE HEADSETS OR IS OVERSEAS, I BARELY UNDERSTAND A THING. I HAVE MADE THIS VERY WELL KNOWN TO CITI CARD AND OFTEN STILL HAVE GOTTEN FOUGHT WITH AND HUNG UP ON WHEN I ASK FOR A PERSON ON A HAND HELD PHONE AND A SUPERVISOR.

CITI CARD HAS MADE SEVERAL ERRORS ON MY DISPUTES TOO AND I HAVE HAD TO CALL SEVERAL TIMES DUE TO ERRORS DONE BY THEIR STAFF TO HAVE THIS FIXED.

MY CARD WAS CLOSED UNEXPECTABLY AND CAN YOU ONLY IMAGINE IF I WAS OUT OF TOWN, HOW DANGEROUS THIS COULD HAVE BEEN AND I WOULD NOT BE ABLE TO GET HOME AND I AM TOO XXXX  TO CALL ON A CELL PHONE AS I COULD NEVER HEAR.

I WAS AT CENTRAL MARKET BUYING GROCERIES WHEN THIS OCCURED AND I WAS TOTALLY PUT TO SHAME AND EMBARRASSED TO THE EXTREEME.

I HAVE BEEN A CUSTOMER FOR YEARS AND TO BE BLAMED FOR LYING ON A DISPUTE IS SO MADENIG AS IT WAS ME, WHO CALLED, WHEN THE MISTAKES WERE MADE BY CITI AND NOT BY ME.

XXXX  FROM CITI CALLED ME YESTERDAY AND TOLD ME THAT IT IS POSSIBLE THAT CITI IS WRONG ON ALL THIS AND THAT MOST LIKELY THEY WILL RE OPEN MY CARD DUE TO THEM AND NOT ME.

I CALLED AND LEFT XXXX A NICE MESSAGE ON THIS MATTER AND I BELIEVE SHE WAS ALREADY GONE.

XXXX  TOLD ME TO GIVE HER SOME TIME TO CHECK ON THIS AND SHE TOO SAID THAT IT IS VERY POSSIBLE THAT IT WAS JUST A CARELESS ERROR ON THE PART OF CITI CARD.

I AM SO UPSET OVER THIS FOR SURE.

CITI HAS REALLY BEEN WRONG ON THIS.

AT XXXX   IT WAS A MESS AS THE VENDORS REALLY MADE SO MANY ERRORS AND I DID HAVE TO CALL CITI TO GET THIS FIXED.

I ALSO HAD MY HAIR RUINED IN XX/XX/XXXX. I WAS VERY HONEST ON ALL MY DISPUTES.

I STILL FEEL THAT CITI CARD CLOSED MY CARD DUE TO MY HORRIBLE HEARING. THEY WILL NOT JUST COME OUT AND SAY SO, BUT I AM SURE THIS WAS THEIR WAY OF WANTING TO FIND A WAY TO GET RID OF ME.

I WILL GIVE XXXX   A CHANCE TO MAKE THIS HORRIBLE ERROR RIGHT. I WILL SEE IF THEY DO AND IF THEY ACTUALLY DO ADMIT THAT WHAT THEY DID WAS WRONG. I BELEVE THEY WILL FIND THAT THEY DID WRONG AND WILL RE OPEN MY CARD.

I WAS TOLD TO PUT ALL IN WRITING. I AM TOTALLY XXXX  AND MY DOCTORS HAVE MORE THAN ONCE THAT HAVING TO PUT STUFF IN WRITING CREATES A HUGE STRESS ON A XXXX   PERSON AND I AM NOT TO GO INTO IT AS I HAVE XXXX  THAT CLEARLY STATE THIS SHOULD NEVER BE DONE.

TO MAKE A PERSON WHO IS XXXX AND HARD OR HEARING AND WHO HAS OTHER XXXX SUCH A XXXX AND MORE, THIS IS VERY CRUEL.

LIKE I STATED EARLIER, PRAISE THE LORD I WAS NOT OUT OF TOWN AND NOT ABLE TO GET HOME.

I HAD NO WARNING OR A THING. THIS WAS VERY CRUEL.

TO BE ACCUSED OF LYING, WHICH, I NEVER ONCE DID, IS VERY NASTY. I WAS THE ONE WHO CALLED WHEN THE KIDS MADE THE ERRORS TO MAKE IT RIGHT. CITI IS SO WRONG ON THIS. I HOPE THEY OPEN THE CARD AND MAKE THIS RIGHT.

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