milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with M&T BANK CORPORATION (DC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Signed up for a new account since I needed a local bank in the XXXX area. As advertised, I used the code XXXX to sign up and receive a {$200.00} new account bonus which would be paid out 90 days after the account was opened if you met the terms. 

I met all the terms, but have not yet been paid out for my bank account bonus related to their advertisement.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong year 1976 its incorrect theres incorrect addresses, theres incorrect information being reported by third party creditors who I dont own

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 01/19/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened an interesting checking account with Citibank at their XXXX XXXX, XXXX branch on XXXX XXXX, XXXX through a referral. At that time there was a promotion of {$400.00} cash bonus for new customer and {$100.00} cash bonus to the referrer. The first Citibank agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The second agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The third agent I spoke to said he does not know why I have n't received the money and opened an investigation/case on XXXX/XXXX/XXXX. After numerous encounter with Citibank representatives, I was left speechless and annoyed. Right now I still have n't received the money and felt cheated by Citibank. I guess Citibank only cares about profits and number of accounts that they can lure customers to open.

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 04-11-2017 about Other financial service (Debt settlement) with United Debt Counselors, LLC (NY).
Issue: Fraud or scam

Complaint: Back in XXXX of XXXX I had credit card debt. I regretfully signed up with United Debt Counselors to try to help me. They took close to {$5600.00} from me and did nothing. When I withdrew from this program I they refused to give me all of my money back Just gave me {$960.00} When I called the credit card company they advised me to wait until The accounts " charged off '' and I would work a payment plan with them. I spoke to them on XX/XX/XXXX. When I called them on XX/XX/XXXX, the day they suggested and they told me it was already sent to a third party. When I called the third party they said it was transferred to an attorney. When I called the attorney they would not speak to me. They need to speak to United Debt Counselors. I am no longer with the fraudulent company. But they refused. All I wanted to do was do the right thing and I have been given the run around and getting deeper and deeper in debt. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XX/XX/XXXX I purchased a travel reservation through Citi 's travel portal ( this is listed as a benefit of the card ). This particular credit card offers fourth night free at any hotel stay booked via this travel portal. I was charged {$2500.00} total with fourth night free. I contacted Citi on XX/XX/XXXX ( they have a 180 day review policy ) requesting a price adjustment to {$1900.00} ( the cost of three nights given 4th night is free ). I was transferred to 5 different people 2 of which stated I should receive the adjustment, they simply were unaware of how to adjust the price, and 3 of which simply were unaware. One particular CS rep, XXXX, continued to state my price rewind would be denied. I continually tried to explain to him that this was an issue with the travel portal and he simply said he did not know how to further help me. It was not only a frustrating experience, XXXX ( CS rep ) stated that the credit card company did not have to provide me with accurate terms and conditions, which I know to be incorrect. He also stated the price is non-refundable- which I agree with ; I am not requesting a refund simply a credit for the price difference through Citi 's own travel portal for 4th night free. I currently should see a price credit of {$640.00} and Citi has provided no answers or solutions.

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 10/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is unable to prove who owns my student loan ( XXXX XXXX XXXX XXXX XXXX issue recently seen in the media ). They have been collecting regular payments from me since XXXX XXXX, and over half of the payment amount goes toward interest. If myself or my loan servicer ( Navient ) does n't know who my loan belongs to, how do they know how and where to allocate the money they collect from me every month? They are collecting interest illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX The information attached is from XX/XX/2010. The documentation provided to The Bureau as it relates to my calculations show specifically that there is Absolutely Unequivocally no such amount due whatsoever. I have provided the Sworn Affidavit submitted signed and notarized by the Custodial Parent there was paid directly to her $ XXXX plus. The information suggests Interest you ca n't charge me interest if payments were made. 

Secondly there is Affidavit from the Attorney General stating there is noting outstanding and I demand this cleared up now, post haste. This egregious reporting is affecting many things and to be ongoing for as long as it has when I have had more than XXXX entities and individuals attempt to clear up this matter ; I believe it has gone on long enough. Far to long.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax had a security breach in which 143 million people are at risk of having their credit compromised and worse yet there identity stolen. 

I am one of the one hundred and forty three million people that have been affected by this security breach. 

Equifax was made aware of this said breach on XXXX XXXX 2017 and did n't report this breach to the public until XXXX XXXX  2017. In the forty-four days they have known about this, I did n't receive not one notification that potentially my social security card, drivers license and other personal information was in the hands of thieves. I learned of the security breach through the media. 

This is a direct violation of section 501 ( b ) of the Gramm-Leach-Bliley Act and Ken. Rev. Stat. Chapter 365 The interpretive guidance states that a financial institution should provide a notice to its customers whenever it becomes aware of an incident of unauthorized access to customer information and, at the conclusion of a reasonable investigation, determines that misuse of the information has occurred or it is reasonably possible that misuse will occur. 

Customer Notice Customer notice should be given in a clear and conspicuous manner. The notice should include the following items : Description of the incident ; Type of information subject to unauthorized access ; Measures taken by the institution to protect customers from further unauthorized access ; Telephone number customers can call for information and assistance ; and Remind customers to remain vigilant over next twelve to twenty four months, and report suspected identity theft incidents to the institution. 

I now as a consumer whom never authorized this company to collect my information, am now subjected to having to endure financial burden of freezing my credit report, obtaining new credit cards/debit cards, and the anxiety of knowing that a copy of my social security card and drivers license is floating in an unknown person/people/group to use for their own purpose. 

Equifax has failed to protect me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with Focus Holding Company (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with Medical Data Systems, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was called by the number XXXX. I was asked to verify my name. I did. I asked who was calling. They did n't answer the question, but instead asked me to verify my social security number. I told them I was not giving some stranger on the phone my security number if they would n't even tell me who is calling. 

The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up. 

I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida. 

" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I requested my personal information to be corrected on my file because I believe it is causing accounts to be placed on my credit file that does not belong to me. I have spoken to numerous representatives that continue not understand my issue. I last spoke with a supervisor XXXX from XXXX, Ga in the office of XXXX. He refused to correct my information and said I would have to give them a signed XXXX FORM. From my research in the Fair Credit Reporting Act, that is not part of the proving of identification for my information to be corrected. I would like for the FTC to investigate the violations from Equifax and to have them correct my personal information on my file. I have attached the dispute letter I sent to them on XXXX/XXXX/16, the certified mail receipt showing they received it on XXXX/XXXX/16, and the identity documents I mailed to them showing my correct legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: My savings account was cleaned out by Bank of America on XX/XX/XXXX. I called bank but they only gave me a telephone number of the prosecuting assistant attorney in XXXX. 
A suit is filed in California., my account is in XXXX XXXX. There is another person on my account who has a debit card but he is the wrong person being sued. All money was mine, they took over 6000 Dollars and said I owe over 49,000 dollars. 
After I received a copy of the Acknowledgement of Service to the persons with same name. Man 's name is the same then the person on my account and married to a XXXX with the same last name ( but its not mine last name ) and have been served notice in XXXX XXXX. 
I neither nor my friend on my bank account are married and don't owe any money. Suit was filed as criminal suit. 
Why did bank not check my birthdate, SS, and that of Mr. ... ... By the way, XXXX XXXX lives in XXXX since birth and at the time of service I was in XXXX. 
No one at the bank will talk to me how they can do this without checking if we are the persons. I never get thru to the person who signed the order, XXXX XXXX in Delaware, BoA. 
We spoke to assistant attorney at XXXX XXXX of California, Mr. XXXX XXXX. That was 2 weeks ago. We answered questions he needed to clear our names. 
He said he would contact BoA and see why they sued us since we have nothing to do with it. 
I was told I need an attorney in California but everyone I contact did not want to take the case and clear our names and file the proper papers. 
I am on SS and afraid they will take money out of my checking acccount which they did for attorney fees and I think my heart will not take this absurd pressure anymore. I am XXXX and by the way my credit score is over 800. 

Please help us. 
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 monetary relief
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Trouble during payment process

Complaint: Loan # XXXXThis is an ongoing issue with this Mortgage Company. Our home WAS in foreclosure and reinstated as of X/XX/2017. Our XXXX 2017 payment was made through online bill pay and delivered as of X/XX/2017 ( Confirmation # XXXX ) Today the Mortgage company called to say that XX/XX/XXXX payment had not been received. I called and spoke to Rep XXXX XXXX who informed that our account has a payment freeze and can take up to two weeks to be removed after our loan has become reinstated. I informed XXXX that the loan had been reinstated more than 30 days ago. She informed that a Senior Manager must remove the freeze and our payment will transfer as soon as it has been released. Also, a charge of {$66.00} was listed on our XX/XX/XXXX Statement. When calling to inquire about the charge I spoke to 3 different Reps who gave me a different explanation each time. Apparently only {$11.00} was charged for a property inspection performed X/XX/2017 to confirm occupancy. Please note that this charge was incurred AFTER the loan had become reinstated. After a rude response and confusing explanation from Rep XXXX, I was transferred to a Senior manager who waved this inspection fee. This company continues to provide us with incorrect information and we were not informed of this freeze on our account. This company MUST be held responsible for continuing issues with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Auto debt) with MAS Financial Services, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On X/XX/17 MAS Financial contacted a friend regarding my car loan. At the time the loan was 22 days past due. This company has recorded messages that they sent 4 times a day on the second of the month when the loan is due on the first. I requested that my due day be extended to later in the month and they said it had to go to a committee and they would send paperwork. I asked a second time and never received the paperwork. When I received the loan they would not approve unless I gave them 8 references, which they used to call my friend. I have always paid a little late because I am XXXX yrs old on SS and the first does not work for my payment schedule. I have told them this and they still continue to harass me. I received an email from them and I wrote back with the time and amount I could pay and they said they ca n't take email arrangements. I wanted it in writing because they are despecible and not trustworthy. I called a supervisor they told me to call and they did n't answer their phone so I repeated the arrangements in English. I have received messages from a XXXX, who also called my friend, and it is all in XXXX. I speak english I have no idea what they are saying. They over stepped by calling a friend concerning my loan on a 22 day late loan. I think they should be investigated.,

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 04/15/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XXXX. We are trying to get Equifax to remove it from my credit report as it was paid off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second compliant on my mortgage company. Back in XXXX they sent me a letter stating they was adjusting my mortgage payment to XXXX due to a new escrow fee of XXXX. I put in a compliant at that time due my taxes for my house is less than XXXX a year. Per the result they sent me and your company they adjusted my mortgage to show the amount i need to pay which is in the letter i am sending over. But they have not change anything. Since then all of my payment has not been posted correctly. My escrow balance in XXXX was XXXX and now it is XXXX. So now it show my behind on my mortgage. I seriously think they are doing this on purpose due to my bankruptcy will be over in couple of month and I think they will try to foreclosure on my home. I just want my payment posted correctly and mortgage payment corrected. I am stress out over this. Sometime I feel like just giving up because they are not helpful over the phone at all. I just dont know what else to do at this time. The crazy part is that i complain the last time and they corrected in a letter to both of us but never really did anything. I dont even know I can even trust the outcome of this investigation. I truly feel they are trying to take my house.

Company response to consumer: Closed
Consumer complaint received 02/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am unable to find a link where I can dispute an ongoing case and thus do n't want to lose my ability to turn in documents that would support my dispute of actions that the bank, the object of my complaint, purportedly undertook. My case number is XXXX. My name is XXXX XXXX. My email is XXXXXXXXXXXX

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 04/18/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A credit card was fraudulently opened in my name w ith USAA. A USAA rep resentative stated this card would be closed due to fraud. The card is still open and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I made a change to the withdrawl date of my car payment, last time I had chosen to change the date I had spoken to XXXX that informed me I had the option do so so myself online and make changes without having to call the office. I took it upon myself and followed through online, I came to find out today that there were XXXX withdrawls on my account which are not authorized. I called the financial institution and was told XXXX XXXX that I had set up XXXX accounts, the rep cancelled the 2nd withdrawl but informed me that it was my fault therefore there was no refund to be made.She apologized for the miscommunication but that is not what I had been told.

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 07/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient says they do not allow income based repayment on my signature student loans however signature student loans, thought private, are backed by the federal government. Loans backed by the federal government are supposed to be eligible for IBR. Why is it that I am not allowed to take advantage of this benefit with my private but federally backed loans?

Company response to consumer: Closed with explanation