milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Checking or savings account (Other banking product or service) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX, debit card number XXXX, XXXX, the entire time I have had this account, I have experienced some problem. I asked for an internal investigation concerning XXXX, my insurance company. They were debiting my account premature the scheduled date. After XXXX messed up my account, the bank added fees and I could not recover this mess up. 

Then I received a letter from a company called XXXX XXXX out of XXXX, WA XXXX Stating they were the collection agency, account # XXXX, XXXX Account # XXXX, I contacted the BBB to see if they were legit, and no information was found. Please I feel this incident was a diversion to gain access to my bank account. I notices may time from the library, where the computer was stored, stating my account information was compromised. I would like to thank you in advance for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with JPMORGAN CHASE & CO. (NM).
Issue: Advertising and marketing

Complaint: I received a direct mail advertisement for the Chase Preferred Credit Card, advertising a waived intro year annual fee, XXXX bonus points if you spend $ XXXX in the first three months, and an APR of 16.23-23.24 % available to consumers who " have not had this credit card or received a new member bonus in the last 24 months ''. I contacted chase on XX/XX/XXXX, speaking to XXXX regarding the card offer and asked to apply after inquiring about the account. The representative indicated I could convert my current card " Chase Freedom '' to the new card, but they would need to pull my credit. The representative made no other representation at that time regarding conversion and never mentioned anything in regards to the offer not being honored if you convert cards in lieu of opening a brand new account as my intentions were made clear the conversion was prompted in response to the offer. Chase pulled my credit and increased my credit line from XXXX to XXXX keeping it at the same APR. I inquired as to why my account received such a high APR as my credit scores range XXXX-XXXX and she was unable to answer me at that time. I received the new card in the mail on XXXX/XXXX/2016, noting that none of the offer information was included in the mailer, prompting a call into chase to understand why no benefits were disclosed. Chase, after the fact, informed me the card was not eligible for the offer and new APR because it does not apply to account conversions, a fact the representative on the recorded line failed to mention despite knowing my intent, and the facts were not disclosed in any of the terms and conditions on the website, mail advertisement, or verbally. I asked to speak to a supervisor XXXX XXXX, who was unable to honer the offer or correct my account. He informed me to " close my account and re-apply if I would like the offer, but warned I might not be approved again ''. As a result Chase Bank baited me into applying, pulled my credit, and did not honor the offer. This is a clear violation of the Unfair, Deceptive, or Abusive Act 's or practices law. I will attach the offer terms, screenshots, and items confirming at no point did Chase Bank clearly disclose my account was ineligible. I would like Chase to honer the offer terms and reduce my APR of 28 % to an acceptable rate inline with my credit score and income. I hope this prompts a class action lawsuit as many other applicant 's may have been harmed by Chase Bank 's deceptive actions. This is a clear " Bait and Switch '' and I spoke to the Bank to correct the issue prior to filing this complaint. The loss from this will be the {$650.00} in rewards points plus {$95.00} waived annual fee, and an unknown amount in interest due to the higher rate then advertised ( difference between an APR of 28 % and between 16-24 % that should be applied to this card type ). Chase Bank provided me a NEW account with none of the benefits and all of the costs without any warning verbally or in writing prior to causing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MP).
Issue: Loan servicing, payments, escrow account

Complaint: ( To preface this may be nothing but it is from Seterus and I do n't trust them. ) Seterus sent a letter on XXXX/XXXX/15 saying there was an escrow deficiency, they discovered this because they FINALLY paid my insurance and property taxes ( which you helped me with ). I could pay {$1000.00} or just have it go on my mortgage as a higher mortgage payment. Old payment XXXX for P and I and Escrow XXXX new payment P and I XXXX Escrow XXXX and escrow shortage is XXXX with a new payment of XXXX. Not sure why the escrow went up almost {$20.00} and also a new payment of {$17.00} added on. I have read that they mess around with the escrow to rip people off. Total insurance and Prop taxes are XXXX. If they did n't get a payment from me in 30 days for the full payment they would assume I wanted it added to the mortgage payments. Address to send it to was Seterus XXXX. XXXX XXXX XXXX, CA XXXX. 
Today XXXX/XXXX/2015 I got a letter from them saying We recently sent you a shortage of Deficiency Payment coupon with an incorrect payment address. If you already sent your payment to the incorrect address, it will be returned to you. Please resend it to Seterus, Inc., XXXX XXXX XXXX : XXXX XXXX, CA XXXX immediately. To accommodate this, we have extended the due date to be 60 days from the original letter date with no late fee. Number they give is XXXX. The letter was sent from XXXX XXXX, XXXX. They have a physical address in XXXX Oregon, Payments to be sent to the address I gave you and Correspondence to XXXX XXXX XXXX XXXX XXXX. The whole thing seems very suspect. I wrote them a letter enclosing all of my correspondence with them and told them I was contacting your organization because they have been so slimy in the past. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I have reason to believe that a fraudulent account ( s ) have been opened under my name. I have received several emails from Wells Fargo over the past couple of years to proved this. The emails have been coming to me on a fairly regular basis, which includes as recent as this year, 2016. I have attached a copy of one such email that I was able to retrieve. The emails have been coming from varies different senders within the organization. Since I do not know what type of account the email is referring to, I will place it under " Other bank product/Service ''. The email address the messages were sent to over the past few years 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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of   XXXX   XXXX    2017 and  spok e with a US represent ative from which I did n't get anything but a hard time and someone who belittled me. On   XXXX   XXXX    2017, I  sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to   XXXX    which was delivered at  XXXX    XXXX   on   XXXX   XXXX    2017 in   XXXX , PA  XXXX  asking them to investigate. On   XXXX   XXXX    2017,    XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Experian which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX    XXXX   on  XXXX   XXXX ,    2017 in   XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX    XXXX   on  XXXX   XXXX ,  2017 in    XXXX , GA  XXXX . According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any   information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.

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 06/29/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (IN).
Issue: Managing, opening, or closing account

Complaint: XXXX now been over a week that i bought some Relodit Packs ( https : //www.XXXX ) from BlackHawk Networks ( http : //XXXX ) and have not been able to load them to my XXXX prepaid XXXX Card. I called Relodit Packs customer support daily and still have not been able to access my funds i have stored on their cards.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Actually I just filed another complaint a couple seconds ago and then saw something else disturbing with my account, Bank of America is stating I have n't made a payment since XXXX/XXXX/15 which simply is not correct. I logged into my bank account and have payments that were processed since then. This is all on autopay so there 's no oversights ... Just one more issue that shows the incompetence of BOA!!!!!!!!!!! 

Attached is a printout of the 'last payment ' ( XXXX paragraph ) and also shows how they are indicating I owe much more than I do. 

Add yet one more issue to the long list, so if in their records I have not made a payment since XXXX, why just now am I receiving notice of this ( 3 months later )!?!?!? How much in fees have they been charging while providing no notification..???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - One from XXXX and 5 from XXXX XXXX  lists 3 inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX - two of which are Equifax XXXX. 
Equifax has 4 Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied and was approved for a modification on my equity line of credit which was about to balloon. I made all trial payments to the Bank of America. The bank marked me as late both 30 and 60 during the time period when I was making my trial payments. I was never late and fully complied with the bank 's requirements. They have continued to report me late, ruining my credit and now can not refinance my home. I called the bank and spoke with customer service several times only to be shunted around from person to person.

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 05/19/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Every time that I ask Equifax to correct my credit report they send me a letter stating that my identification information " does not match our records ''. Each time I send them proof of identification and proof of current address. Equifax uses this tactic to delay or fail to take corrective action on my credit report. Attached are XXXX letters from Equifax asking for the same information over and over -- XXXX from XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please tell Equifax that they can not engage in this subterfuge to delay correcting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I contacted " Student Loan Help Center '' back in XXXX XXXX to assist me in consolidating my student loans. They promised to do so after I pay their fee. After said company withdrew their fee from my bank account, they for months kept telling me one excuse after another as to why the process for consolidating my student loans is not complete yet, why time is needed or why the circumstances are not their fault. 

I spoke to them in XXXX, XXXX, XXXX, and XXXX of XXXX. The individuals I spoke with are XXXX, XXXX ( or XXXX ), XXXX XXXX XXXX. Their contact number is : XXXX ext. XXXX. They record the calls, thus they will have all recordings of the calls I made to them. If they claim they do not then this is more evidence on behalf of their of their guilty actions. 

When I spoke to representatives at " XXXX '' ( they are the company that handles all my student loans ) in XXXX XXXX they informed me that a process was started in XXXX XXXX then canceled in XXXX XXXX and there is nothing in their records that Student Loan Help CenteXXXX has done anything to resolve this matter. 

I contacted Student Loan Help Center in XXXX and spoke to XXXX XXXX XXXX concerning the fact that ( 1 ) the consolidation process has been canceled and I was n't notified of it ; and ( 2 ) they have n't done anything to resolve this matter. Those said individuals gave me more excuses. When I contacted them again in XXXX XXXX and spoke to XXXX to inform them that I wanted a full refund of my money, she both transferred me over to XXXX XXXX voicemail then when I called back a second time she gave me an email address and said once I email them I will be contacted right away concerning my refund. I did as she instructed but received no response via email nor phone. 

The bottom line is this company has committed fraud. They have n't provided me any proof that they have done anything on my behalf nor, and most importantly, they have n't done the task as they promised.

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 03-10-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (HI).
Issue: Loan servicing, payments, escrow account

Complaint: We did a refinance of an existing mortgage and a new purchase of a second home in XX/XX/XXXX. I called customer service to verify if all the pre-paid interest and pre paid property taxes listed on their Wells Fargo closing statements are included on their form XXXX, year tax statements. I got differing answers on who I spoke with. I asked for a letter to document what their stand was. The letter received did not address my questions and was ambiguous. Request WF clarify if their closing statement pre paid interest and pre paid property taxes on reflected on the values of the XXXX forms for my XXXX mortgages.

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 03/22/2015 about Payday loan () with WORLD ACCEPTANCE CORPORATION (NE).
Issue: Received a loan I didn't apply for

Complaint: My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Quicken Loans Inc . 
Account # XXXX XXXX XXXX ( XXXX ) XXXX 2016, I had my insurance change my policy to lower my home owner policy. 
This lowered my payment, the insurance company refunded me {$52000.00} by check and I forwarded the check to Quicken Loans as request by them. They sent notice of shortage in my escrow account. They requested a payment of {$470.00} or {$1000.00} ( monthly ) from {$960.00}. I called Quicken Loans spoke with supervisor ( XXXX XXXX ) on XX/XX/2016, who forward a request to ( XXXX XXXX ). After several phone calls from her, we agreed to leave the payment the same till a review in XXXX. This agreement was due to lower insurance rate, taxes and the mortgage insurance would fall off in XXXX and all accounts had been paid for the year. 
I was notified XX/XX/2016 my payment had increased to {$1000.00}. 
After email to XXXX XXXX, she replied I misunderstood that such was not the case, and they would review it again in XXXX. I would have to pay the {$470.00} to escrow or make the Payment of {$1000.00}. 
There is no justified reason for this request ... .. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Customer service / Customer relations

Complaint: I tried to apply for a Chase credit card, but always got denied because of " previous unsatisfactory relationship with this bank ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have not received my billing statement since XXXX XXXX. The statements are not available online either. Because of this I did n't get any notice that my escrow has increased. I contacted them on XXXX and XXXX. However, I 'm still not getting my billing statements. On XXXX, they sent me a bunch of estimates they made on XXXX, for what I will have to pay on XXXX. However, these are not close to being accurate. On XXXX, I called them XXXX about this. The XXXX time I called on XXXX, I requested the supervisor. After waiting 30min, they told me the supervisor will call me back within 24 hrs. I never received a call from the supervisor. When i called on XXXX, I discussed another issue I have with a XXXX account. They took out extra amount from my escrow. Also, the XXXX they sent me has an incorrect Mortgage Insurance premiums section. They will have to resend that to the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: They stated they are a collection agency for Chase I contacted Chase and they say they handle all aspects of collections on their own. This company will not give me their name, address or anything they called me 5 times in one day. They are rude

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Billing disputes

Complaint: I want to file a complaint against TD Card Services ( TD Bank credit card company ) because TD Bank arbitrarily and capriciously sided with the merchant, XXXX during a credit card dispute. TD Card Services was given all evidence to prove that ( 1 ) I was supposed to receive a promotion in amount of {$150.00} and that services were n't provided, so I tried to refund the gratuities in amount of {$240.00}. TD Card Services assigned case # XXXX. After clear and convincing documentary evidence, I would expect that the TD Card Services would issue me credit in amount of {$380.00}. If this does n't get resolved, I will definitely proceed with a complaint in XXXX Civil Court.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CONSOLIDATED RECOVERY SYSTEMS Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CONSOLIDATED RECOVERY SYSTEMS is violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company response to consumer: Closed with explanation