milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with I.C. System, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed a collection that stated i owe {$490.00} which is with XXXX XXXX. Account number being XXXX. The creditor responded back in a timely manner with a statement saying they verified the debt and its 's mines. Defiently not true. I then wrote back and ask them how did they verify this debt and please provide me with an original contract of some sort with my signature on it which should have my correct spelling of my name. All paperwork that has been forwarded to me also the credit bureaus has misspelling of my name also.

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 07/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My banking records were subpoenaed from Bank of America, by XXXX XXXX XXXX XXXX. The attorney illegally pulled records, in an effort to track down my personal information. According to XXXX court records there is no judgement against me. In fact, the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, 2016. So how were XXXX XXXX XXXX able to subpoena bank records? Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, does not have proper documentation to subpoena bank records and does not have a judgement pending against me. 
What 's worse, Bank of America mailed the subpoena to me on XXXX/XXXX/16, according to metered stamp envelope. It was received on XXXX ( Sat ) and the papers were released to XXXX XXXX XXXX on XXXX/XXXX/16, according to bank 's representative who spoke with the bank 's legal team member. I had only XXXX working day ( XXXX ) to refute when I am leglly allowed XXXX business days.I was not able to speak to the bank 's legal dept which is a rule that needs to be changed and made the issue more complication that it was. I needed accurate information and be able to hold someone accountable for the informaton given.

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 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have XXXX issues with a collection on my credit report ( XXXX ). # 1 ) I have tried numerous times to get this collection off of my credit report and the company keeps selling the debt to a new collection agency so it continues to show up on my credit report ( proof attached from XXXX ) # 2 This debt is over XXXX years old and was included in my bankruptcy, which is supposed to make it to where the collection agency can not contact me. They continue to contact me to try to collect on this debt ( Proof attached from Convergent Outsourcing bill collectors. They should not be allowed to send me a bill nor put it on my credit report as a new collection. This debt is over XXXX years old and I would like the collection agency to stop sending me bills and remove the debt from my credit report. Credit report also shows collection was included in bankruptcy ( Proof attached ) Please help me because I have been dealing with this for about 7 years now and they will not stop selling the collection to other agencies. I would like it completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I have a bank account with US Bank and created my personal account there. I was told there would be no charges, and there were none for a while. However, recently I have been getting charges on XXXX accounts. I opened XXXX because I was doing the personal banker a favor by opening accounts they called me out of the blue to open. They told me they needed them for the quota for that month. I stated as long as I do not get any fees I will open them I am getting fees on them like monthly maintenance fees and getting coinage fees. I can not afford these fees and I do not apreciate them charging me without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with Prospect Mortgage, LLC (LA).
Issue: Settlement process and costs

Complaint: My loan was cleared to close and my mortgage company sent me mydisclosuress. I looked everything over, signed them and returned them. 3 days later I get an email with another set of disclosures with about $ XXXX more in loan fees. They claimed I changed the loan terms to cash out and raised ltv. Nothing changed on our end from the original disclosures I signed numerically to the second set they sent with the fees doubled. I was finally told someone made a mistake on the rate lock and I 'm paying for it. I was forced to close the loan as it was for permanent financing and I absolutely had to close. I spoke to an attorney and I was advised to file a complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2017 about Credit card () with CITIBANK, N.A. (TN).
Issue: Rewards

Complaint: We received a promotional letter in XX/XX/2016 from Citi Preferred Credit Card informing us that we would receive 5 % cashback on everyday transactiaons, if we used their transactions for purchases during the holidays, up to XX/XX/2016. This 5 % cashback was supposed to be applied to the statement balance following the cycle, and would reduce the statement balance immediately for that period. This went well for the first month. Between XX/XX/XXXX and XX/XX/2016 ; we made approximately XXXX $ in purchases using this card, and a cashback credit of XXXX $ ( 5 % of XXXX $ ) was applied to the statement balance on XX/XX/2016. Noticing that it was working, we spent XXXX $ on the card between XX/XX/XXXX and XX/XX/2016, hoping to receive approximately XXXX $ cashback on the next statement ( XX/XX/XXXX ). However, only about a XXXX $ credit was applied to the XX/XX/XXXX statement balance, whereas we were supposed to receive XXXX $ ( 5 % of XXXX $ spent till XX/XX/2016 as per the promotional terms ). We called customer service numerous times, but kept getting transferred, and we were first told by a representative XXXX that the credit would be applied on the next statement, then upon disputing that, we were told an investigation would be started, and we would receive an email within 24 hours. However, nothing was done and no email was received. Upon calling again, we were transferred between 3 different people, and then informed a credit would be reflected on the account and we would receive a letter in the mail. Instead, we received a dubious letter stating that we had called to inquire about a cash advance, which we never did. 
In all, Citi Preferred Card is not honoring their own promotion, whereby we were supposed to receive 5 % cashback on transaction made between XX/XX/XXXX and XX/XX/2016 ; whereby we are supposed to receive XXXX $ cashback ( as we made XXXX $ worth of transactions ). Upon calling customer service, we are being harrassed and mistreated, keep on getting transferred and are now receiving dubious letters in the mail and email about things we never inquired about, instead of dealing with the actual cashback issue we have.

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 01-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Customer service / Customer relations

Complaint: Capital one undelivered card and customer service and downgrade and identity theft affadavit unworked

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me for a full six weeks ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours and will continue soaking my time. Eventually this will cost money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 


Equifax breach date : XX/XX/2017 Equifax breach disclosure to public via social media and not directly to consumer : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage with Seneca Mortgage was sold to XXXX, Seneca continued to withdraw money from my checking account although I had no account open with them. I need Seneca to send my money back since there is no debt to pally the money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I went online to pay XXXX XXXX XXXX XXXX XXXX, XXXX. It was not clear to me that the payment made was for future service from XX/XX/XXXX to XX/XX/2017. I used a Chase Visa Debit card to pay {$100.00}. We have cancelled our service from XXXX XXXX, since we have sold our house and are moving out of state. This payment is for a time period that the new owner is responsible for. In contacting Chase Bank, I was told that they can not reverse the charge and that I need to seek restitution from the vendor, directly. This is not time effective. 

Also, I have cancelled my XXXX XXXX service at the old house and I have implicitly told XXXX XXXX that I DO NOT authorize them to take a " cancellation fee '' from my debit card or any credit card or directly from my bank account, as I am using an XXXX XXXX XXXX service at our new house. They are owned by the same company. In addition, we have documented evidence that the XXXX XXXX service and satellite interfered with the signal for our XXXX XXXX for our dogs, causing our dogs to be in danger of running away or getting hit by a car. 

Chase bank has been awful to deal with and has been so grossly unhelpful in resolving these situations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with EQUITY LOANS LLC (VA).
Issue: Settlement process and costs

Complaint: The lender did not properly disclose the closing cost and I paid fees i did not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing statement

Complaint: Macy 's Card Services customer service makes it almost impossible to pay my bill in a straightforward manner ( unless I paid in person at a store ). I have been unable to successfully obtain my credit information through my online account for the last several months in order to see a statement, pay a bill, or review purchases. *As a side note, although I have changed/updated my address to reflect a new location, this did not trigger in their system on XXXX side and information goes to another address ( happens to be a relative of mine - thankfully. I am concerned about their ability to maintain PII in check/identity theft concerns ). Furthermore, I requested over the phone to receive paper statements after having gone paperless previously in order to send in a check each time. I did not receive a paper statement consistently. Both the tech side and customer service side of Macy 's was unable to completely resolve the issue and hence, why I am writing to the CFPB. If the website were my only concern, I would not write this complaint ; however, here are several of my other concerns : 1. Customer Service line is busy each time I have called and eventually, the line goes dead or it states that they are too busy to answer the call and the line hangs up. The only instance where this does not occur is if you call collections ( how convenient for them ). I have never intentionally missed a payment on any card and the experience is less than favorable. 
2. When I requested to speak to a manager/supervisor or person with authority on several occasions, I was either denied or my request was met with a considerable amount of attitude. Only once was I able to get through to a collections supervisor who realized my issue was due to my inability to get through to the technical services department for website issues. 
3. When I asked to close my account and cancel the card, the rep asked over XXXX times if I wanted to cancel. This is an overt attempt to keep the card open after repeated requests to close. 
This frustration is probably felt by others and could be detrimental in multiple ways.

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 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be XXXX trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (VT).
Issue: Managing the loan or lease

Complaint: Leased a 2015 XXXX XXXX from XXXX, XXXX NY on XXXX XXXX 2015. We live in Vermont so Lexus dealt with all the paperwork XXXX Vermont DMV. As of today, XXXX XXXX, we do not have our license plates and Lexus have told us that they sent in the paperwork to Vermont DMV on XXXX XXXX ( why this took a month from XXXX XXXX when we leased the car is a mystery no-one seems able to unravel ). Vermont DMV hane not recorsd of wither any paperwork nor the VIN # of our Lexus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Has listed used name as : XXXX XXXX XXXX. 
I have never used this name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have lost my Job due to being on XXXX and awaiting the process of going through the Social Security process. This lead me to be behind One payment of my Modified Mortgage. I pay the mortgage on time, and give a little extra to go towards the outstanding bill. Nation star has been putting that extra money in suspense, and then sending me back a check every so often for that extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: for the 5th time i am trying to get this matter validated. i sent a validation debt letter to all XXXX credit bureau, for the {$2900.00} debt by XXXX the debt was and is not validated but yet remains on my credit report. this validation was received by the bureau in XX/XX/2016 and i am still awaiting the validation

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: ALLY Financial continues to report an old, disputed account from a divorce dispute dating back to XX/XX/XXXX to XXXX. They sustained no loss when the vehicle was sold and the account paid in full and as a courtesy to a good ALLY/GMAC customer dating back to XX/XX/XXXX, I simply want this account deleted as it is not a valid picture of my credit worthiness.

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 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted a Federal Consolidation Application for all of my loans, however, Navient only consolidated some loans making the consolidation ONLY benefit the bank, Navient. 

They consolidated only my oldest loans, from XXXX they only ones I also had payment history on. They did not combine any other loans and so the recent loans with higher rates were not included. 

There was no benefit at all for me the borrower, despite the offer that consolidation would benefit me. Here 's what happened instead, benefitting just Navient, the bank : they capitalized {$22000.00} in interest to the principal of the loan, lowering my credit score instantly, and they changed the loan date from XX/XX/XXXX to XX/XX/XXXX thereby ensuring I will be dead before any loan is paid off. 

US Dept of Education sent me this consolidation under the guise I 'd have lower interest, one payment, more options to pay it off but instead this has benefitted ONLY the bank! Finally, when I 'm on the Federal Student Aid clearinghouse website there is no appication to review and loans from XX/XX/XXXX prior have no MPN. How could the application just dissappear? 

I appreciate your investigation into why borrowers are being scammed by US Dept of Ed and Navient into consolidation that harms the borrower. I 've mostly been unemployed so this truly hurts me multiple ways.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau is in violation of FCRA and has not physically verified the original contract with my signature on it.

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 09-01-2017 about Debt collection (I do not know) with Firstsource Advantage, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX this morning a lady called me from XXXX XXXX XXXX XXXX XXXX trying to extort my personal information for her use. I asked her who she was and from what company. She replied her company was called One Advantage LLC and that was trying to collect a debt.
I have no contract with One Advantage LLC., and will like the records to show.
When I did n't contract with her she being yelling and threatening to use my name and social security number because she already have it on file.
I will be contacting the local police department because this company clearly is using my personal information to gain monetary without my knowledge.
please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: We received a credit report from Experion and it showed a judgement against us for {$190.00} from XXXX 2015. The judgement is from " XXXX XXXX ''. We have no idea what this is and feel it has been erroneously added to our credit report. Please investigate.

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