milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: APR or interest rate

Complaint: I work in the corporate office at Saks Fifth Avenue. My Saks credit account, ending XXXX, is in default after entering my updated XXXX checking account information into the SAKS Online system as well as made a payment though there even though no payment was due at the time -- the account on XXXX XXXX, in fact, reflected a credit of approximately {$100.00} in the Saks Online bill pay service. 

Then I signed in to update my account with my new banking information and made said payment with my new bank account to make sure it worked. When I got in today, five days later, I see I received an email that the payment did go through, although there are sufficient funds in my new XXXX checking account. This morning I 've called Captial One and XXXX XXXX Customer Service several times -- the first call, the operator, XXXX, could not locate my account at all. The second call was disconnected. The next few calls, the Customer Service rep suggested I speak with Saks , Inc. Human Resources and double-check that I entered the correct bank account #. I did everything asked by Saks , Inc. as well as Captial One Card Service representatives. I just signed in and re-entered my new bank account information, and YES, it says it is the same bank information entered last week. However, it will not allow me to use this information for the account, but this is my checking account. PLUS -- the account is now in default, Capital One has charged me fees, but I can not review the complete charges and I 'm being charged an interest rate of 24.24 % as well. As I try to recieve answers and help, my credit score will be affected, and if it is, will make it IMPOSSIBLE to maintain housing within the NY State. In fact, if this happens, I will be homeless, at least temporarily, until it is cleared with credit agencies, and restored to good standing. The last call ( of several on XXXX/XXXX/2016 ) with Captial One Services, I was transferred to " XXXX '' ( who would not give me her last name ). I 'm being forced to repeat this story several times as I 'm transferred, and during ONLY working hours, Now XXXX told me I need to speak to my bank, but would I like to " make a payment now? '' If I knew what I was paying for and could review the charges to my account to make sure my account security was not compromised, I would gladly make a payment. However, I can not view statements on the Online payment system -- or transaction history, it requires they be sent by mail only -- in which interest fees and late fees will accrue and my credit score will be affected. Any help you can provide is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Trouble during payment process

Complaint: I requested an explanation as to how I could release the Private Mortgage Insurance on my loan. The lender sent me a letter and an application for that proceed. The letter stated that, subject to a current value appraisal of 75 % or less LTV, as a result of substantial improvements in the property during the first two years of the loan, an appraisal can be ordered at my expense to see if the PMI is no longer required. However, despite this explanation in the letter, the company keeps insisting I must make a substantial principal payment no matter what to qualify. I asked for a supervisor for further information, and have not received a call back from someone other than the person who interpreted this provision of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Rewards

Complaint: I received an offer in the mail from Citi Bank for a new credit card. The name of the credit card was Platinum Select XXXX XXXX master card and the bank name is Citi. The offer stated that I was eligible for the credit card and if I spent {$3000.00} in the first 3 months that I would receive XXXX XXXX miles. Since they sent me the offer I applied for the card. I was instantly approved for the card. I got the card and started using it. I spent over {$4000.00} dollars on the card and I called in to see when I would get the XXXX bonus miles and they said I would receive them soon. I called back a month later and they told me that I was not eligible for the XXXX bonus miles. I just want Citi to stand up to their word and honor their commitment and give me the XXXX bonus miles.

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 09/13/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX / XXXX XXXX attached fle fraud assignments in county land record use as prove of standing in county court, bankruptcy court house when its fraud assignments was discovered and challenged, XXXX XXXX move the serivicer to secondary services select portfolio servicing. why are the substitute trustee keep changing when fraud are discovered. there have being over XXXX debt collectors trying to collect on debt using fraud assignments upon fraud discovery the services select portfolio serving keep moving file to another fraud debt collectors to avoid detection of fraud and moves the files to one substitute trustee after another the original trustee wo n't have any part of this process which could produce liability disproportionate to any reward.And what point is the Trustee on the Deed of Trust, whether original or substituted, liable for subsequent misdeeds that amount to fraud? For example, if the original trustee has knowledge ( which all of them do now ) that the substitution is invalid then the original trustee is still the trustee on the deed of trust. Why wo n't they initiate the foreclosure process and fix the problem? Answer : Because they know they are dealing with fraudulent document, instructions and representations. The same rules probably apply to the substituted trustee. 
I think it might be important as it appears to be a widespread practice in the preparation of Appointments of Substitute Trustees by these debt collectors law firm 1. Defunct debt collector law firms of XXXX and " foreclosure mills '' including defunct law firm XXXX, ( file bankruptcy ) aka defunct debt collectors law firm of XXXX, ( file bankruptcy ) the sold to debt collector law firm XXXX, they abruptly shuts down without notice all of these debt collectors who and either shuts down as soon as the evidence of fraud is are being brought to light It concerns the Appointment of Substitute Trustee in my case .As pointed out by XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Company charged fees to my account which they can not support and will not provide documentation for. 
Company Assessed 2 identical " Fees '' to my account in the amount of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. The first they say was a charge from my previous servicer. However my previous servicer never charged the fee and it never showed up on any statements. BSI is the only entity trying to charge the fee. They " claim '' it was for foreclosure costs incurred by the previous lender, however I was in active loan modification negotiations with the previous lender all the way through transfer of my loan to BSI. Charging " foreclosure '' fees would have meant they were dual tracking.. Which is Illegal. The second charge is inexplicable even by BSI. I have requested on multiple occasions, documentation or explanation for this charge and they have refused to supply it and in phone calls admit they ca n't even figure out what it is for. They promise to resolve it and then simply never follow through. On one occasion when I made a demand in writing ( of which I have made multiple ) they simply grabbed a stack of ( trash ) paper ( meant for recycling or shredding ) stuffed it in an envelope and mailed it to me. They have assessed a TOTAL of over {$15000.00} in fees some of which they have provided some backup for but most of which seem excessive. Legal fees related to the Chapter XXXX I had to file because they refused to negotiate a loan modification with me despite my willingness and ability to pay. However I am simply pursuing these two charges as they are blatant and unsupportable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: PNC Mortgage.  XXXX .  XXXX   XXXX   XXXX   XXXX   They  lost my check/payment I mailed in.     I mailed it in and they cash ed one o f the checks on  XXXX / XXXX / 17 . They lost the other check.     They did not call me until today  XXXX / XXXX / 17 .     I have tripled checked and I confirm tha t two checks  were sent ( in same envelope like we have been doing  for 10+ years ) but it looks like they only cashed one.      They said I am late. And now I have to pay a {$170.00} late fee.     They said no way to check what happen!!!????     I would have to mail another check, or pay some other way..by phone etc ....     They have no idea where my check is, really???     Can they do that === lose my check and then charge me a late fee?     AND now ... ..this will show up on credit report as a LATE payment!!.     Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has compromised/leaked my credit and personal information, and is still attempting to charging me for a credit freeze. They are the direct cause for the freeze, yet some how I suppose to pay them to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Medical) with Richland Holdings, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In the letter that was sent to me, there was no information on how to dispute the debt or how to ask for debt verification. They also stated " You have TEN ( 10 ) DAYS to make satisfactory payment arrangements or a Civil Suit MAY be filed against you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection account listed on my credit reports by a debt collection agency, Deville Asset Management, collecting on behalf of XXXX. Deville Asset Management is not license to collect in the state of Texas. Therefore I am disputing to have this collection account removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a unauthorized hard inquiry from XXXX on XXXX XXXX, 2017 on my transunion credit report. I 'd like it removed.

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 08/17/2016 about Consumer Loan (Installment loan) with Mobiloans, LLC (CA).
Issue: Taking out the loan or lease

Complaint: The company I have a loan through has n't applied any payments towards my loan and said they would be deducting once a month payments for one year of XXXX dollars each month now they are doing it twice a month and never sent over my payment dates just a generic payment plan with the amount you borrow but mine is different each month

Company response to consumer: Untimely response
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax has liens showing as wrong amounts and incorrect information. according to the law on a tax lien name & address and social security has to be attach to the lien as birth of date on the lien for the notification to be showing on my credit report. 
lien name & address as well as me living in the property or the property in my name. as you have on file is not my property nor is it in my name. 
As to your file confirmation # XXXX it does not show my name nor my social # or date of birth. laws was passed to this matter on liens on credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DE).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Interest rate on my Sears Master Card with Citi Bank is way to high as my credit score is XXXX.

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 12/13/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Every month I get XXXX10 calls a day from my mortgage company PNC Mortgage. Whether I pay the bill on the first or the XXXX ( last day to pay ). They go into my account and withdraw money with out my consent. They are very rude when I talk to them. They call as early as XXXX and as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX  and  XXXX  harassed me with threats of a lawsuit from a d  ebt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue.
<P/>
Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened.
<P/>  I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing disputes

Complaint: I have asked Citibank to investigate an invalid charge on my account for months. They have failed to investigate this incorrect charge and need to refund my account. Posting Date of XXXX/XXXX/16 XXXX Reference Number XXXX.

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 11-02-2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a XXXX XXXX and for ~28 months made my monthly payments by submitting a check to Chase Auto Finance via my bank XXXX XXXX XXXX. Each of those ~ 28 months my check was cashed by Chase Auto Finance and each month each of those payments was posted correctly by Chase Auto Finance. 

Then on XX/XX/XXXX my bank again issued a ck to Chase Auto Finance ( as per usual ) and same process again in XX/XX/XXXX. Unfortunately Chase Auto Finance cashed my cksfor XXXX and XXXX, but Chase Auto Finance did not post the checks to my account. 

After A LARGE number of calls, over a 90 day period, Chase Auto Finance was able to find and correctly post my XXXX payment -- which is great, but to-date, Chase Auto Finance can not account for the XX/XX/XXXX payment. 

I have twice printed statements from my bank showing the issuance of the XXXX XXXX ck and the cashing of that ck on XX/XX/XXXX by Chase Auto Finance. I provided the printed copy of my bank statement to my local Chase Bank, and bank staff at that location, on two different dates ( the first time Chase Auto Finance lost the fax (!! ) ) faxed my bank statement to Chase Auto Finance. 

I have escalated this issue to Chase Auto Finance ' corp office and still no resolution -- in fact they closed my case after finding only the XXXX payment. 

Interestingly, today I called the XXXX XXXX offices in Michigan, spoke to a person by the name of XXXX and he laughed because HE IS GOING THROUGH THE SAME PROBLEM!! 

Please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX EMAIL : XXXXXXXXXXXX Chase Auto Finance Case # : XXXX Phone : XXXX ext : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to refinance my house with planet home lending Free the last six months and they have been stringing me along and allowing me to think that this was going to happen then today they informed me that my loan had matured XXXX XXXX and that there was nothing more that they could do to help me they said because it was a 15 year loan if this happened in six months none of this would have occurred. I do not know what to do I am living with my wife my daughter and her boyfriend and XXXX children grandchildren and XXXX baby I do not want to lose my house I have been offering planet home lending money to continue to pay the mortgage while all this is being done. Then today I find out that the loan has matured and they have not even asked my XXXX mortgagee to subordinate they made no offers to them which they said they were going to do my XXXX lien company had stated to them that they were willing to subordinate what planet home lending made no offers I am just looking for some help hereI can make the mortgage payment today and continue to make them I just need them to assigned me another loan and keep me in my house please help me

Company response to consumer: Closed
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Despite having an agreement with Wells Fargo made two months ago to pay a credit line ( debt ) at Wells Fargo with $ 300 monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving harassing collection phone calls from XXXX every other day. 

I have paid {$300.00} on the agreement for two months now. This agreement was made with XXXX XXXX at Wells Fargo ( Loan Adjustment Supervisor ) but Wells Fargo ( XXXX from collections who reports to XXXX XXXX ) are harassing me now seeking payment in full despite our agreement. I have explained over and over again my financial situation ( offered documentation proving my inability to pay the debt off at once as I 'm a new XXXX in XXXX mother of XXXX kids under XXXX yo ). I just received another call from XXXX XXXX XXXX on XXXX XXXX ) at Wells Fargo and she transferred me to her Supervisor XXXX XXXX who told me that he was going to sue me for the balance of debt despite our agreement. He told me that he does n't care and wants it paid off. When I asked him why he was even calling me, he told me to, " Lose the attitude, XXXX! '' and then I reiterated our agreement, my financial situation, etc., he told me, " Then I will take my boss ' recommendation and sue you! '' and then he HUNG UP THE PHONE on me. This supervisor at Wells Fargo hung up the phone in the middle of me trying to respond to hearing I am going to be sued by Wells Fargo. I was left with XXXX fearing I will be sued by Wells Fargo. What will this mean for my family? My XXXX in XXXX? I began having XXXX. I am a high risk XXXX already and being harassed with phone calls ( first by XXXX who would call me and say that XXXX told her to follow up regarding our " agreement '' and I asked XXXX what she was referring to - since I 've been paying on said agreement for two months now - and she did n't know??? but was calling me anyways? ) This is an opportunity for legislation to be brought forth regarding behaviors such as Wells Fargo harassing a client who is currently paying their debt, who is not being evasive and ignoring their repeated phone calls, and is told to pay up or else?

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (Conventional home mortgage) with BNY MELLON, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: The XXXX XXXX XXXX XXXX XXXX fl XXXX has been in foreclosure off and on for 4 years The mortgages total over XXXX and the unit has been molded out due to banks failure to maintain it. There is XXXX in condo fees unpaid. The bank is paying the taxes. This is a miney loser for the banks so they are not going to finish the forclisure. They do not respond to inquiries. This is harmful to the neighbors - mold and the associations financial stability. 
We want the bank to cancel / void the mortgages and deed the property back to the association. They XXXX and the association wins. The owner left town. Can you help? 
XXXX XXXX. Board member of XXXX XXXX. 
The following banks are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation