milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am paying my loans off to Fedloan services. As I try to pay ahead each month for my XX/XX/XXXX statement they said the amount owed for that month was {$0.00}. They did not have anything saying I would still need to pay interest for that month and what that amount that would be to keep me current for interest payments. Now for XXXX months in a row they have been taking all of my payment to catch up for the interest they say I owed in XX/XX/XXXX. They admit their statement said I owed {$0.00} for the month and that they did not bill me for interest, however I was somehow supposed to know that I should have made an interest payment. 
I asked " am I suppose to guess an amount and send it since you said my payment was {$0.00}? '' They did not have a good answer for me. 
I feel they purposely told me not to pay anything in XX/XX/XXXX so they could make more money on my interest payments. 
I would like to see them add to their billing statement explicitly {$0.00} owed for principle and {$140.00} owed so you do not get behind on interest. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I open a citigold account with a bonus offer. 
And got a confirmation message that I have met all requirement and the bonus will show by XXXX/XXXX/2016 in XX/XX/2016. But in XX/XX/XXXX, Citi denied my bonus says I am not the targeted user.

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 02-05-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Account opening, closing, or management

Complaint: My father died XX/XX/XXXX and is survived by my mother. My parents have joint savings account with Capital One Bank ; this is their only source of liquid funds. My mother XXXX and has XXXX. My parents intended that I handle their business affairs when they were unable to do so, and gave me a [ dual ] durable power-of-attorney prior to my fathers death. Mother is unable to deal with her own business affairs. To be able to pay for her ongoing living and medical expenses, I submitted a copy of the dual POA to Capital ONe Bank in addition to another legal form they requested on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I called Cap One to check on status of the documents I had sent. I was told by rep that the POA was confusing and needed more specific workding but he could not tell what wording was needed. I called back [ XXXX/XXXX/XXXX ] and talked to rep to get clarification ; he referred me to rep [ manager ] and I was told that the POA was not acceptable but they could not tell me what workding or format would be acceptable. Over the next week, I drove to my mothers residence [ XXXX miles away ] and took her to our attorney. A new POA was completed that stipulated clearly that my mother gave me POAover all of her affairs including the ability to manage her ' ... assets, liabilities, and business affairs ... ''. On XXXX/XXXX/XXXX, I sent Cap One the new POA and the death certiificate as requested by the customer service representatives. I requested something in writing from Cap One to confirm they had received the documents. I did not receive a confirmation. On XXXX/XXXX/XXXX, I called Cap One to check status of POA ; I was told it was in the legal department, in process and nothing can be done to speed the process. I emphasized the time critical nature of this [ both verbally & writing ]. On XXXX/XXXX/XXXX, I called Cap One again to check the status of the POA. I was told it was still in process but I should hear something in the next two days. On XXXX/XXXX/XXXX, I sent a letter to the CEO of Cap One expressing my frustration and asking for his help to expedite the process. On XXXX/XXXX/XXXX, I received a call from Cap One Corp office asking me to call back. On XXXX/XXXX/XXXX, I called the corp office and I was told they had never received the documents I sent on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I resent the documents via email attachment and the corp office confirmed that they received them and ghe documents were being reviewed by the legal team. On XXXX/XXXX/XXXX, Cap One called to tell me the POA documents were unacceptable. I asked what wording or format would be acceptable and I was told they could not give legal advice but that some workding more specific to having authority to do banking might help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I have had a XXXX checking account and savings with Wells Fargo for at least XXXX years. Recently I realized my account had been charged {$8.00} per month for the last XXXX months. I immediately called to find out why and was told that my debit card expired and fees were based on not having a debit card. I was not aware it expired nor was I notofied of the change in type of account I have as a result. Usually a new debit is sent when the old XXXX expires. I was told a new card would be ordered and only XXXX of the XXXX {$8.00} fees could be removed. This month a {$10.00} charge appeared. They have no record of a new debit card being ordered and say that even so I would have to use it XXXX times a month for it to count toward the free checking. They also said my account had been switched to a {$1500.00} minimum, which I DID NOT authorize! I had called the XXXX number to find out if the other XXXX charges could be reimbursed. They said no, but we did not discuss changing the parameters of the account. I feel violated that my account was changed twice without my knowledge and fees are continuing to accrue. I am closing the account as soon as possible, but wonder how many others are paying fees without knowing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I file a application for Citibank credit card. I was denied because they said I filed too many applications. The problem with that is I file XXXX applications with Citibank and was denied all 3 times. I feel that I am being discriminated againist because I am XXXX. Citi bank need to be investigated for there credit card practices approves others but denies XXXX. There practices are troubling to me because I am being denied because of the color of my skin. ca ; ; citi bank to complain and was still denied. They are not treating minority customers right and should be looked at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Second time this matter has been brought up with the cfpb. American Express offered an interest free business account for 9 months. Shortly thereafter, I began receiving interest fees on the account. I filed a complaint and the fees were refunded. 
I skimmed through my statements the last three months and noticed that interest fees were once again assessed. I reached out to American Express and chatted with employee named XXXX ( ID XXXX ). He mentioned that my payment was late and for that reason interest was charged. I explained to XXXX that my payment could not have been late as the account was set up for automatic payment. XXXX explained that since the auto payment had been cancelled by a previous representative ( without my request ) that a new auto payment needed to be set up. I requested that he refund the interest fee and he proceeded by refusing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: i had several accounts opened for me which i did not request from wells fargo in XXXX ca and read some time ago the process was being questioned i think by the district attorney in XXXX whom i called. i was told they were only working on cases in XXXX and threw all my checkbooks, etc away ... i had paid my property taxes on an account that had no funds and was assessed over {$300.00} for a late fee and desired recourse. Is there any at this time due to the recent settlement or who do i contact? thanking you in advance for a response ...

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 12-08-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (WI).
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: Since XXXX XXXX I have been trying and dealing with charges we did not make on our Target Credit Card. Targets self check out system has added multiple purchases to our card-some 3 charges a day and back to back days on products we have never bought and would never buy. 

I have tried calling a XXXX XXXX, who at first sent me a letter saying the charges were removed and make it seem like they fixed the problem. The person I spoke informed me there was no XXXX XXXX that worked with Target credit card services. 
Here are the charges we have faxed over 3 times, yet were told were never received : XXXX XXXX {$38.00} XXXX XXXX {$16.00} XXXX XXXX {$23.00} XXXX XXXX {$10.00} XXXX XXXX {$5.00} XXXX XXXX {$29.00} XXXX XXXX {$3.00} XXXX XXXX {$73.00} Also everytime I have called I have explained when I go to sign in, it says session has timed out, please resign in, so I try and resign in, only to get the same message. 
The last time I explained this, I was rudely told I can not access my account because my account is past due. 
This letter makes it sound like I should easily be able to access it, yet on the phone Im treated rudely saying my account is frozen because its past due? 
Also interest and finance charges keep being added to my " open account '' which is illegal to add these charges when there is a dispute on the incorrect charges. 
These charges added on need to be removed along with all of the interest and finance charges. 
My credit is perfect and we have never had outstanding credit card balances. My only mistake was being talked into opening this target credit card-which has been a nightmare to do with. I should have read the thousands of other peoples reviews of having this same issue happening to them. My question is why is target allowed to do this to people? 
How does a consumer get help for this? 
Sadly after desperately trying to seek help, I have found I am one of thousands and thousands Target does this too, thereally has to be a way for seeking help without having to pay for a lawyer, when we did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (I do not know) with National Collection Systems, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that National Credit Management provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, 2017, I filed an application over the phone with Wells Fargo home equity for a HELOC. I applied for a HELOC over the phone with XXXX XXXX. Unfortunately, there were errors in the application that I have now found out about today when speaking with an extremely unprofessional, unhelpful and incompetent loan specialist, XXXX XXXX ( License No.  XXXX ), out of the XXXX XXXX XXXX office. XXXX was not able to answer many of my questions and revealed that very much of the information provided in the application filed by XXXX was incorrect. XXXX made incorrect statements about the HELOC product structure and underwriting guidelines. I have no confidence in the entire application process. After filing on the phone, I should have immediately been provided a copy of the application for formal approval in writing or electronically PRIOR TO submission to underwriting. I believe there have been violations of federal disclosure laws. As it stands, I still have not signed in writing or electronically a formal application to Wells Fargo, yet they have made a hard pull of my credit report from reporting agencies. 

Unfortunately, as noted above, XXXX was not familiar with XXXX XXXX and XXXX XXXX guidelines regarding many of the questions in the application. The Wells Fargo application via phone process is fundamentally flawed. You have people not qualified filling out applications, which are then not forwarded to the applicant for review prior to submission to underwriting, which allows for many potential mistakes and outrageous underwriting errors. Then, you have " loan specialists '' communicate underwriting decisions, but these specialists also are not fully informed and giving out incorrect information. This whole process is a DISASTER! I funded my last mortgage with Wells Fargo, but will NEVER bank with Wells Fargo again. I am closing all my current accounts with the Bank.

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 08-05-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Customer service / Customer relations

Complaint: I have a Citi Thank You card that has had fraud activity on it several times in the last 6 months. The fraud activity is always for the same amount and same place in XXXX. Each time this has happened, I have had to close the card and am issued a new card. I have had XXXX cards since XXXX 2016. The most recent card sent to me ( my XXXX card ) due to fraud activity was activated on XXXX XXXX, 2016. I had it for less than two weeks before there was fraud activity on it. I had to close it was issued another card ( my XXXX Citi Thank You card ). I have not used the card since XXXX 2016 for a doctor 's bill. The card is not registered at any online sites. Yet, this fraud activity still occurs. When I spoke with Citi regarding the most recent activity, I was informed that once I activate the card, I could call and consolidate it with my other Citi card and close the Thank You account. So I did that. But the rep that I spoke to told me that she could n't do it but I could call back on XXXX XXXX, 2016 between XXXX a.m. and speak with a supervisor who could make changes to my account. I called and was denied speaking with a supervisor and was told that a supervisor was unavailable. I called back and was informed that supervisors who can make changes on accounts are only available between XXXX XXXX. This is in contradiction to what I was originally told. I keep getting the runaround and no one is willing to help me. I 'm tired of having to close my Thank You card and activate another one every month or so because of some issue with Citi 's security.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Capital  one  inquiry dates that I didnt authorize.      XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX     XXXX    2016     XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been receiving phone calls at my job and my cell phone every day four to six times a day. The young woman will give me her first name only not the name of a company. Then she will ask me if she can transfer the call to someone else who wants to speak with me about a personal matter. I decline and tell her to stop calling me and take me off whatever list they have.Then she calls right back stating she is someone else and she is attempting to collect a debt. I tell her again to stop calling me then she says she will call my job again. And she calls again. All from different XXXX and XXXX area code numbers. 
HARASSMENT IS NOT A FITTING WORD FOR THIS BEHAVOIR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Other

Complaint: Please reference the initial complaint - Case number : XXXX filed on XXXX/XXXX/2015. This complaint is for HSBC account # 's XXXX XXXX and XXXX and excludes the XXXX XXXX account. HSBC has never responded to the XXXX complaint. HSBC has never responded to my XXXX XXXX, 2015 letter. " Allegedly '' the credit bureaus were able to verify this information with HSBC. 

Bottom line, to date I have not received any verification documents on these accounts. HSBC has exceeded the legally accepted 30 day allotment to verify these accounts. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. 
This is a clear case of unverified debts that need to be removed from my credit files immediately. My only option left is to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: HI, I had my mortgage with XXXX XXXX XXXX, it was sold to Nation Star.. 
in the past with XXXX XXXX XXXX website i had a lot of options, and information about my mortgage for example i was able to make extra payments and see in real time the Amortization calculator of my loan, as well when my Home Owners Insurance and Taxes were paid. 
Nation Star has a very poor Website, and a very poor customer service they are only available from XXXX to XXXX ET. 
I understand there is laws that allows mortgage companies to sell the mortgages, but the other mortgages institutions should offer AT Least the same tools and options to manage our most important asset which is our home. 

When i called customer service they told me that at the moment they do n't have that option in their website ... .. its 2015 Nation Star please hire some to build a decent website to server your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Auto) with DriveTime (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company constantly has robocalls calling from several different numbers. If I schedule a payment, they still continue to robocall. I talk to a rep and they tell me they ca n't see the online payments so they continue to call. They also robocall my job. If I do n't answer, they will email. If I respond back to the email, they tell me they are n't allowed to correspond by email. They set payments up biweekly instead of monthly. So if you miss a 2 week payment, they call and tell you you 're in default. Each message tells me they can help me find options, but whenever I try to get help, they tell me that there are no options available. I paid my loan faithfully every two weeks via direct withdrawal from my checking account. When I started having problems, I called and asked for help, they told me I did n't qualify. Now I 'm supposedly 60 days behind and they STILL tell me I do n't qualify for assistance. Even having one month moved to the back of my loan would help me catch up.

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 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a checking account with a XXXX XXXX XXXX XXXX Bank : XXXX and I perform all my on-line bill pays EFTs through them. I have attempted to pay Capital One Bank XXXX XXXX XXXX months in a row. they send the payments back and charge me a late fee penalties in order to collect. I have never been late with this account ever. Bad banking practices. I now consider the account lost and stolen and they can go to court to collect the principle. I do n't understand turning down perfectly good money payments and do n't know what their problem is. My home bank at XXXX has the attempts to pay on record and can willingly submit them as evidence.

Company response to consumer: Closed with explanation