milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: I took a personal loan through my local bank last month ( XXXX ) to pay off XXXX credit cards, XXXX being a bal of {$1000.00} on AT $ T Universal card ( Citi Bank ). My bank sent certified check to them, and I received a letter from Citi dated XXXX XXXX stating " The last payment received was {$1000.00} and was applied on XXXX XXXX '', but Citi has not credited my acct with that check, and is still showing the bal due and a payment due. I called 3 times last week, they said they would have to start investigation, and needed info from my bank on if/when that check was cashed/cleared. I called my bank, & that check was cleared prior to the letter Citi sent me, I returned calll to City with the info, & my bank will send or fax the info to them. I called Citi today, again, and was told the same thing ... they will have to start an inverstigation, they have no info on that payment, etc. Now, within a few days, I will have to make another payment to overpay the acct, or I will be in default which will affect my credit. I can not understand how they can tell me they have no info on this payment, made by my bank, of {$1000.00}, when I have a letter in my hand from Citi dated XXXX XXXX, stating that they received it and it was applied on XXXX XXXX! I do n't know how to get Citi bank to apply that payment to that XXXX XXXX XXXX credit card before I go into default, or at all!

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 03-08-2017 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am sending this letter to you in response to a notice I received on my credit report by your debt collection agency ( as defined by on 15 USC 1692a ( 6 ) ) on XX/XX/2017. Be advised, this is not a refusal to pay, but a notice and Consumer Consent Enforcement Order sent based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) ( 4 ) that your claim is disputed and applicable Federal Consumer Protection Laws This is a request for VALIDATION ( to establish legitimacy ) AND VERIFICATION ( sworn and attest to the authenticity of the alleged debt ). I demand that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following sworn to and under oath : Provide authenticated loan level documentation from alleged credit Date you purchased the alleged debt and the amount you paid for said debt ( unjust enrichment is prohibited ) Appointment contract to represent alleged original creditor ( affiliate, under corporate control ) The original date of Charge Off ( cancellation of the alleged debt through write off on tax filing, canceling my alleged obligation ) Provide a judgment order against me for this alleged account you are attempting to collect Provide me with your company 's insurance/bond information to assess my future claims Prove that the Statue of Limitation has not expired on this account Show me that you are Licensed to collect in my state, and Provide me your License numbers and Registered Agent

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2015 my account was deducted for a new subscription/donation charge of {$5.00} to XXXX XXXX XXXX MA. It caused the business checking account to be XXXX short. The bank charged a {$39.00} fee ( 3 ) days later. 

Since the order of the charged deducted are completely under the banks control they can manipulate the order of debits to cause a fee. But, the fee came from the {$5.00} debit and not the rest of the checks and charges. 
{$39.00} dollars is a lot of money for a XXXX cent overage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2016 about Bank account or service (Checking account) with Echelon Financial, Inc. (FL).
Issue: Problems caused by my funds being low

Complaint: This all started on XXXX. A Company called My Score took money out of my bank account for something that I did n't order. How they got my # I do not know. So I went to my bank and cancelled my debit card. I then called them and cancelled what ever. They said my money would be back on my account in XXXX 5 days. This happened XXXX 5 times and when I got my new card, they hit it again. After 11 phone calls, I finally got an address where to write them at. Same old you 'll have your money in XXXX 5 days. After I wrote and got no reply, I contacted the XXXX. They said they would look into it and if I did n't get a reply to contact you. It was n't so much the money. Only {$79.00}, but it caused XXXX overdrafts on my account. That was another {$72.00}. The Company I wrote to was Golden Score LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Ph. # XXXX. Maybe that will do it. Very Respectfully. XXXX XXXX XXXX XXXXXXXXXXXX Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kenneth, Eisen & Associates, Ltd. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX wrote of sums of money and sent it to Kenneth, Eisen & Associates, Ltd. 
Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX who place XXXX debt collection on my credit report. Only to find the amounts and monies owed to XXXX XXXX were erroneous, there has been no pre validation attempts by the above mentioned Debt Collector nor a 30 day dispute process the information was automatically just posted to my Credit report. After speaking With XXXX XXXX it was their error that this went into this state of collections. This collection agency needs to remove BOTH collection records on my Report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: capital one bank refues to activate XXXX insurance on accts ending with # XXXX # XXXX # XXXX # XXXX. they prefer to charge off the acct

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Fraud or scam

Complaint: I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: EX-HUSBAND REFUND XXXX PAY FOR CAR
PAYMENT AND  ANOTHER ON HIS TOP
NAME .. and XXXX
 SO WHAT  I DO  WITH IT  PLEASE  
LET ME KNOW  PLEASE ,  WE  ARE  XXXX 
EX-HUSBAND  HAVE XXXX JOB ,  I AM XXXX JOB
I AM VERY SICK  MYSELF AND SURGERYAS
XXXX  ANYWAY ..

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Struggling to pay mortgage

Complaint: The finance company - Selene Finance in XXXX, Texas offered and verbally confirmed that I was approved for Cash for Keys as part of the final foreclosure process. 
There was an error on the date of sale of the house in Selene Finance records and I had to contact the attorney that filed the notice of sale. 
The Notice of Sale filed by the attorney was for XXXX/XXXX/XXXX Selene Finance had a date of XXXX/XXXX/XXXX and it was told to me that it was a clerical error and that they were going to reach out to the attorney office to correct. 
I had to call the attorney office and it was corrected. 
Originally the cash for keys was approved with the sale date of XXXX and it had to be resubmitted because of the date correction. 
They are now saying that they have declined the cash for keys because I " changed '' the sale date which is a lie. It was a clerical error that was corrected by the attorney for the finance company. 
They have teetered back and forth since they first offered the cash for keys option. 
I was not able to accept the modification offer and was told that we could try a short sale. I had contacted a realtor to begin the process and at the same time they issued the sale date. I received notice of a XXXX/XXXX/XXXX sales date on or about XXXX/XXXX/XXXX via regular mail. 
It was on or about XXXX/XXXX/XXXX that I was told about the cash for keys. Since that date they have twice told me that I am approved and twice told me that was denied. 
This back and forth is a clear sign that I am being bullied and there is something very wrong here. I have done all I can to resolve this and I am following all of the rules. I feel that I have no one to turn to to help resolve this matter. 
In my last conversion with them they said that we could renegotiate the cash for keys after the sale date. There is either a policy or there is no policy. They change the offer repeatedly. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: Bank of America told me that I could get a 30 year FHA mortgage loan through them at 3.8 % with no points and only a loan origination fee of approximately {$1000.00}. I was sent a GFE with those terms. The day before closing, I was sent the paperwork and noticed that I was being charged points and a bigger loan origination fee ( totaling {$3400.00} instead of {$1000.00} ). The seller 's bank would not approve pushing closing back while I looked into the discrepancy, so I asked my loan officer about the differences and he apologized and said he would check on getting me a refund after closing. During one of our discussions after closing, he said that I signed a document agreeing to the points and additional fees, so there was nothing he could do. I asked for a copy of the document. It was one that was sent to me in the mail in a packet that I did sign, but the listed charges that were later listed as points and loan origination charges were listed as 'settlement charges ' and since he told me there were no points and the only bank fee was ~ {$1000.00}, I believed the 'settlement charges ' were charges that were unrelated to points or bank fees, but rather charges that are standard and everyone pays with every FHA mortgage . When I explained this to him, he said that he would look into in and get back with me. Every time I contact him and ask him for an update, he says something like, 'let me check ' and never gets back to me. I feel this is very deceptive and they should refund me the {$2400.00} extra they charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NC).
Issue: Closing on a mortgage

Complaint: LoanCare LLC is illegally holding my escrow funds. After paying XX/XX/XXXX taxes due of {$3500.00}, as of XX/XX/XXXX, they are illegally holding almost {$8000.00} in escrow funds. I have repeatedly contacted this company in writing and by phone. I have talked with supervisors. The companys employees are complicit in this illegal activity, as I have been disconnected, and told a variety of lies and excuses as to why they can not process my request. I have consulted with an attorney, and have confirmed this activity on LoanCares part is illegal. I will also note their rating and reviews on XXXX  are horrific.

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 Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (WV).
Issue: Deposits and withdrawals

Complaint: Paypal charged my bank account four times for the shipping payment of {$7.00}, resulting in {$140.00} in overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Fraud or scam

Complaint: I called American Express to inquire on how I could get a gift card to give to my son to use on his XXXX trip. He was leaving the next afternoon. I was told to go to any number of retailers and purchase a " serve '' card. I went to the bank and got {$300.00} cash and purchased the card for XXXX. plus a service fee. Later that evening I was told by American Express that the card could not be used internationally until I got my permanent card in seven to ten days. I would not have spent money and gone to the time and trouble to get the card if I had been told the right information at first. 
Then I was told to register the temporary card and I could set up a pin and get my money form a aM machine. That also did not work. Today, 7 days later I received my permanent card. I called in to activate it. Next I was asked how I was going to put money on it. I inquired about the XXXX XXXX that I had already given them. I was told that I must not have entered the temporary card information and that my XXXX was still floating around in American Express 's pocket and I had no way to get to it STILL. I asked for a supervisor and got a condesending person named XXXX in the XXXX. He would not listen to anything I was saying and told me it was all my fault. Now he had me re-register the temporary card in MY WIFE '' S name and set up another pin. I told him I had done all thisin my own name when I first ordered the permanent card. He told me I did not. All he did was argue with me and talk over me. I then asked for his supervisor and he refused to let me speak to one. His name was XXXX and that was all he would tell me. If finally told him what I thought of his condescending attitude. Results are in. I have wasted a lot of time and tied up XXXX XXXX dollars, my son left on his trip without the money I had promised him, I am out the fee for the card and whatever the atm charge might be even if I am lucky enough that this scheme of putting it in my wifes name works to retrieve what is left on my {$300.00}. All the while American Express had had my money, charged me a fee for a worthless card that was sold to me on false pretenses. I have an XXXX, own XXXX and am very astute with computers. If this is what happened to me, imagine what would happen to a less experienced consumer. I highly suggest that you look into this American Express " Serve card Scheme. I await your response

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit bureau has improperly verified items I disputed that remains on my credit report. A notice was sent las year from XXXX to delete an account. However, Tramsunion did not follow that and has kept this negative account on my report. Which stopped me from getting the neccessary credit and help I was entitled to. Also, I have XXXX other accounts that XXXX properly verified and has deleted. The same accounts Transunion stated was verified. Which is incorrect. I have attached a letter from XXXX and XXXX regards the accounts I disputed that was deleted by them and I would like Transunion to delete them as well for this is hurting my credit worthiness. I also have some credit inquiries that I did not authorize.

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 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Every month I challenge NOT DISPUTE the reporting tactics of Experian and they keep avoiding my letters. They are breaking the law ( Section 609 ) of the FCRA. You will find attached a copy of new report that I received today. Experian is unwilling to provide proof that the accounts listed 1. XXXX and 2. XXXX. So here are the facts. I have been contacted by XXXX and they are telling me that this is an apartment lease with the name XXXX XXXX attached to it. This account is not in my name, I am not responsible for it but Experian is telling me that they have verified this account as being mine. THIS IS 100 % false and they are lying about this to just keep something negative on my credit report. I contacted XXXX and they refuse to send me the original signed contract so what does that say about this BOGUS! 2. All XXXX accounts XXXX in total I believe can not be verified by physical documentation. I have reached out to them and they do not have any original signed agreements from me. This is also a medical bill, and by the doctors office turning this information over to this ARS company they are in violation of HIPAA because no document was signed giving them permission to share any medical information with a 3rd party, this goes for me or any patient. ARS is unwilling or unable to provide sufficient physical proof with me that these accounts are mine much less that the account balances are accurate. Yet Experian says they have verified them and now say that they are pending. Sorry Experian but another bureau had these listed against me and removed them within 30 days because they could not verify the information to meet FCRA guidelines so how can you? You are breaking the law and you are should be held responsible for physical and mental anguish that you have caused me by having to file these complaints. I recently spoke to your rep on the phone and had to remove a Fraud Alert that you keep placing on my file to try to justify you breaking the law and when I asked her why this information was still on my credit she said the creditors are the ones that report this we just list it WHAT A JOKE. That is not what the law says. The FCRA section 609 specifically is fully meant to provide a guideline to what YOU do not the creditor. So why are you breaking the law? Why is it when I ask you to show me physical proof that what you are reporting is correct you can not or refuse not to do so? Experian is breaking the law we need JUSTICE to prevail here as i am sick and tired of having to file these complaints but because it is my right to do so I will continue to do so. The next step if this is not resolved is to call the CFPB and speak to them directly so that you can be put in your place per the law.

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 12/23/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Blackhawk Network Holdings Inc. (WI).
Issue: Problem adding money

Complaint: Purchased a XXXX pack with {$500.00} loaded onto it. Tried to add it, online, to my XXXX  safe. At login, site says my account is blocked. Called customer service. I followed the steps recommended. Waited twelve hours. tried again. Called customer service again. Told me there were no problems with my account. I could escalate and wait for a response in 3-5 days. Asked for my money back. Gave me a case number but would n't send email confirmation. Said refund would take 30 business days! Spoke with XXXX on XX/XX/XXXX at XXXX XXXX cst.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX, 2017, monthly mortgage payment {$980.00}, I received an email from Mr. Cooper who wanted my payment by email and then I called Nationstar Mortgage.
Payment and payments always were payable to Nationstar Mortgage. I was never notified that they changed their name to Mr. Cooper.
I expressed to the representative that anyone with the name of Mr. Cooper can deposit or cash payments. I have 20 years of banking work experience and know that fraud can occur. Also called my bank and other banks to verify that fraud can possibly occur because of the name change to Mr. Cooper and the bank 's response was " yes ''. Mr. Cooper 's representative said I had a wrong mentality and that no one by the name of Mr. Cooper can cash or deposit my mortgage payment payable to Mr. Cooper other than them. I 'm very concerned that my mortgage payments may not be cashed or deposited to a mortgage company. If fraud should happen, how can I prove who and why my mortgage payment was deposited or cashed by someone else by the name of Mr. Cooper? My home is important to me and feel this can lead to a serious problem to me and other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX due to my medical debts as well as those of my mother who was suffering from XXXX XXXX XXXX I obtained a mortgage on property I owned in XXXX XXXX Georgia through XXXX XXXX mortgage who then sold it to Ocwen Loan Servicing , LLC . Despite Ocwen taking additional money for insurance and taxes on the property they refused to pay those saying I had not requested it in the original application ( Unusual, in that they were building an escrow for me just for that purpose ). I lost my job in XXXX, just a few months after obtaining the loan. I fell behind with payments as my resources dwindled, and on XXXX occasions, the last being in XXXX of XXXX, the property fell into default and Ocwen began to file papers to sell the property. With the passing of my mother due to XXXX XXXX and my inability to find work I had to move out of that property and let another family move into it to pay the mortgage, insurance and taxes. The property is not worth enough to pay off the mortgage even if sold. I am not able to live there, which said property has been in my family since XXXX, and the fact that I still own the property makes me ineligible for many types of public assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I have been trying to close my account and the bank wo n't let me because they said that my account has to be {$0.00}. I wanted them to either send me the money back ( in form of a check ), or send me a bill for whatever amount is due. Because the account is not closed, automatic debits keep hitting the account and continuing to charge me fees. My point is that it 's a bank. Either send me a check for the amount in the account, or bill me. But I want the account closed.

Company response to consumer: Closed with monetary relief