milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Gold checking account in XXXX of XXXX under a promotional offer to receive XXXX XXXX Points upon meeting the criteria in the terms and conditions, which stated that the customer must complete XXXX consecutive bill pays in XXXX consecutive months. A Citi representative confirmed that I both signed up under the promotional offer and met the requirements to receive the points. I called Citi twice about this issue, upon not receiving the points within the stated time frame ( between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). They said I was not eligible for the offer. I would not have signed up for this account, or paid the monthly fees ( which they finally agreed to credit back to me, after 40 minutes on the phone ) if I did not think I would be receiving something in return, based on opportunity cost ( regarding both time and money ). I believe this is an unfair practice by Citi. Please see the attached document for the printout of the confirmation of the items listed above. On XXXX/XXXX/XXXX, Citi provided me with documentation of an investigation, concluding that I was not eligible for the offer. The document was password protected ; therefore, it is not attached on this email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Debt collection (Medical debt) with Merchants and Professional Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Vehicle loan) with KEYCORP (NJ).
Issue: Managing the loan or lease

Complaint: I had a car loan with First Niagara. The loan was on autopay, which I cancelled when I moved bank accounts to consolidate with my fiancee. KeyBank acquired First Niagara, then withdrew the loan payment off the autopay ( despite it having been cancelled ) because their system did n't recognize it. I got an overdraft fee, which the bank refuses to pay. 
I then paid off the entire loan, however their system did n't include the already made payment, leaving an overpayment. The title was sent to an address I have n't lived at in years and had been changed, then check was sent to another old address I do n't live at and have n't in some time. I called to get a new check, the person helping promised it would be sent. It never was. I called again, the new person said the last just never did it, and then they promised to have it sent 2 day delivery. Two weeks later, I received a notice that I need to fill out a notarized form cancelling the first check. Hiring a notary in XXXX costs $ XXXX- {$50.00}. They wo n't pay for that ( despite this being their error ... again ... and again ). This is not a huge sum of money, but every single person I 've spoken to has lied to me. They told me a check was coming, it was n't. I only got the car title back because a person somehow found me on facebook to let me know they 'd gotten it. 
I am going through their process and will do this form, and pay the notary and send it in. I hope this time they 'll send a new check. Since they 've lied to me 5 of the last 5 times, I 'm not optimistic and am shocked and infuriated at how this has been handled. It all stems from their IT systems not integrating and I have done absolutely nothing wrong but still get stuck with fees for their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have disputed Wells Fargo Mortgage 's smokescreen response to Case number XXXX. 

In reviewing the detailed statement for the escrow account ( attached ), another problem, a more serious problem is apparent. 

The bank failed to record my escrow payments. 

I have made all my payments, in the amount of XXXX, since XX/XX/2016 when my Chapter XXXX was successfully discharged. Prior to that, I made all payments timely to the Chapter XXXX Trustee which paid the bank. 

The bank 's " Escrow Account History '' ( attached ) shows that ZERO ACTUAL Deposits to my Escrow account were made. 

What did they do with the money? I paid. I have records of all the payments. 
Wells Fargo is playing more tricks on consumers with their " alternative math. '' How can they be allowed to take the money from me and NOT apply it to my account? 

Now, in the related case Case number XXXX, they are trying to claim my Escrow has a " shortage '' -- that will REDUCE my payment. That makes no sense. If there is a " shortage '' my payment should go UP. 

What did the bank do with the money I paid for escrow? There are 6 months showing ZERO. For each of those months, I paid the full amount due -- that includes taxes and insurance escrow. 

That 's {$1800.00} that the bank shows as missing from my account. Where is my money? What did the bank do with my escrow payments?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Recovery and Collections, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.

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 10/18/2017 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: It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued

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 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: After I log into the Capital One corporate website ( https://www.capitalone.com ), a screen appears that says:"Your account needs attentionFederal law requires us to add your business Employer Identification Number (EIN)Please call us at XXXX-XXXX-XXXXReference offer ID XXXX"HOWEVER, the phone number provided ( XXXX-XXXX-XXXX ) is listed by XXXX Search as being a FRAUDULANT NUMBER, asking all kinds of questions about whether the card is active or not, etc.I first received an e-mail a couple of months ago, checked the phone number out, and DID NOT provide any information.NOW, TWO (2) months later, this same FRAUDULENT NUMBER Appears ON CAPITAL ONE's OFFICIAL WEBSITE AFTER I log into the website using my credentials that have been set up for me on the site – for a long time….After being on hold for over an hour Friday, XXXX XXXX, 2018, I  was finally transferred to a “Fraud Department Supervisor” who did not provide her name in a legible manner. She continuously said that the “Offer Number” was valid and that the phone number was valid, so I was wrong about the fraud. Of course the Phone Number was valid. That has never been in dispute. What is in dispute is who answers the phone and what they do with the information once they get it.I no longer have ANY faith or confidence in the Capital One Fraud Department and desire the CFPB Office to take appropriate action before an unknown number of Capital One Business accounts get scammed and their businesses get ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a credit card account ( Chase Sapphire Reserve ) in XXXX XXXX with Chase bank. On XX/XX/XXXX I called to request the bank waive my annual fee pursuant to the Military Lending Act that went into effect on XX/XX/XXXX as an XXXX military member. They refused to do so unless they were forced to through a credit bureau review initiated by me closing and opening a new account or opening a new card on that account. Their request to have me open a new account in order for them to comply with a law represents undue financial obligation and credit score impact when they should simply comply with the law and apply it to my account to waive the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Late fee

Complaint: JP Morgan Chase credit card company did not send a monthly statement so I had no information when my payment was due. This was done to scam me so that they could charge a " late fee '' for my not making a payment in time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Medical) with Creditor Claims of America, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had my XXXX around XXXX 2012. I was sent to XXXX for my XXXX. After my results were sent to my doctor, she insisted I came in to see her. When I got there, she told me I was fine and should continue with my vitamins. The next thing I saw was a bill for coming in to hear the results for my XXXX. Note that I had already fully paid for my XXXX This is information that she could have told me over the phone, by mail, email or even put on my online account with her Practice. I have explained to the Doctor 's Practice ( XXXX XXXX 's XXXX ) that I dispute this bill and that they were free to take me to court if they felt otherwise. Instead they have continued to harass me with invoices and through a collection agency called Creditor Claims of America , Inc. I have advised this agency in writing and through phone calls that this debt is disputed but they continue to harass me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a pending payment due on the XXXX of XXXX for a loan used to pay XXXX University at XXXX XXXX, FL. I am experiencing financial hardship and as a result, I will not be able to make the payment at their specified amount. I decided to be proactive by calling Sallie Mae before my account becomes delinquent. When speaking with the Sallie Mae representatives, all they offered was forbearance as an option. I explained that I had already taken that option for XXXX months, which increased the loan amount as well as my monthly payment terribly, and that I was now ready to pay a monthly amount that is more fitting to my financial needs. End result : after speaking with many customer service representatives and supervisors such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I was told that no sort of help or temporary repayment plan would be offered until I became delinquent on my account. Their solution was for me to not pay on my loan, and they even went as far as to encourage me to go into default. I have the representative ID numbers of several employees which made the statements described above. I am surprised as to how this company is allowed to be in business in the United States of America, and disgusted as to how they target students for these loans. I am ready and willing to make some sort of payment of my account, I just can not afford the amount demanded by Sallie Mae and it 's representatives at this time. The customer service team there appears to have a goal of pushing their clients into default. It 's an unfair business practice which is not even seen in the majority of credit card companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I attempted to apply for a checking account at  XXXX   XXXX   XXXX   XXXX  which I had to go through a credit check and apparently when I got back the results for an approval my credit was fine but   XXXX   had a check on it which declined my approval. I contacted my bank which was Bank Of America and asked if there were any outstanding balance on my account when I closed my checking account. Apparently, there were n't any outstanding balance and they sent me documentation via email and mail stating that they did an investigation and their research was completed. So I want to reapply again with the credit union but until I know that this resolution is resolved.

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 07/21/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Me had my husband recently separated because of finance issues.We applied for a mod in XXXX which we could not afford because my husband lost his job So of coarse they put us in forcloser in XXXX of XXXX I filed chapter XXXX because I did not know what else to do. So in XXXX of XXXX my attorney file a XXXX mod.through the bankruptcy courts. In XXXX XXXX Carrington once again denied it because they claimed they did n't get paperwork in time which my attorney had proof they did. So a medatior had to step in through the court so we all had an conference call meeting. Now the agreement that Carrington needing was for me to do a quick deed within 2 days because my husband is no longer in the home. So that was done. So a couple of months after that Carrington needed proof that my husband is paying child support. Ok even though that was not what was needed at the time I submit that. Ok another couple of months go by which now is XXXX XXXX, my attorney called on XXXX XXXX, XXXX and said that Carrington yet again denied the mod. this time do to the child support not being court order. I have done everything they have asked me to do and yet they keep making up rules as they go. I thought the XXXX was to help people like me. This is the only mortgage company I know that are so unwilling to help. If you would look at the reviews for this company you clearly see everyone is having some issue with them. I am wanting to save my home for my XXXX children and I am not trying to get out of paying that 's why I applied for the XXXX but there is something not right with this Company. The people that answer for them do n't never give the same answers. When I asked them about the XXXX in XXXX I was told by a rep. there saying they do n't participate in this program and neither does my investor with they say is XXXX, but when I pulled the list of mortgage companies that do Carrington and XXXX do participate in the program. I am not understanding. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Webcollex, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Every time that I called to try and alter my repayment type, they were saying that there was really no way to improve upon my payments. For some reason, I was still having to pay over {$2000.00} a month. This took a huge hit on my financial situation, and eventually had to go a different private route that has become difficult on its own. I also felt that every time I made a payment, the total principal barely went down. When I questioned this to them, they were saying that I was unable to pay off the principal more, and was only able to pay the interest at this time and what was minimally owned. It became increasingly frustrating that I was being forced to pay so much off, and the principal barely lessened over time. Something definitely seems off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Payday loan () with CASHCALL, INC. (VA).
Issue: Can't contact lender

Complaint: I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with DISCOVER BANK (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Medical) with Skagit Bonded Collectors, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ex-wife took daughter to hospital without my knowledge, I pay for medical coverage for my daughter.Ex-wife signed financial paperwork at hospital and never paid uncovered costs. collection agency immediately reported to my credit report of failure to pay for uncovered costs. I never entere into any contractual agreement with hospital to pay uncovered cost and I never received any bill from hospital or ex-wife and never received any verbal or written notification from collection agency. I contacted the credit agency and made a complaint and they came back and said that collection agency had documentation proving that I was a responsible party. The collection agency has never provided me with documentation of what was owed or who it was owed to and for how much.

Company response to consumer: Closed with explanation