milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I opened a new citigold checking account around XXXX XXXX of 2016 using a promotion code XXXX upon which I was to receive XXXX XXXX XXXX rewards points upon completing certain requirements. I received confirmation twice that I was successfully enrolled in the promotion and after completing all the requirements I received confirmation from a XXXX XXXX dated XXXX/XXXX/2016 at citibank confirming not only was I enrolled in the promotion but also that I had completed successfully every requirement to obtain the bonus miles. I was told they should post by statement close XXXX/XXXX/2016. When they had not posted by XXXX/XXXX/2016 I emailed customer service following up on the matter and to my dismay they contradicted all prior information stating I was not eligible for this promotion ( even though they gladly accepted my money and confirmed that I was enrolled in the promotion and had completed all requirements ). This is unfair practice and I would like the bonus miles that I was confirmed I qualified for, especially considering the fact that they have now taken {$90.00} in monthly service fees out of my account. Please help me get Citibank to stand up and honor their word. They should be required to honor all promotions that they allow consumers to sign up for and participate in.

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 02-10-2016 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I. Hunt and Henriques sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked Hunt and Henriques to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Hunt and Henriques on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by Hunt and Henriques regarding this matter. 


ISSUE : This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Hunt and Henriques in the letter are fraudulent and misleading, and intended to intimidate. Further, Hunt and Henriques has extended this fraud into court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I completed my XXXX XXXX at XXXX University XXXX and now work for the XXXX. My federal student loans are serviced by ACS. ACS is very difficult to work with - they have terrible customer service, their policies are not transparent, and their call center operators provide incomplete answers when I call. This year I received a student loan repayment benefit from the XXXX where I work. However, just two days after I received notice that the payment had been sent to ACS, I received a final offer for a new job. I called XXXX ( XXXX XXXX XXXX ) to ask if they could stop payment because my agency will not waive the debt and I would have to pay it back to XXXX. XXXX said they had already cut the check and they could not stop payment. I have since called ACS on two different occasions to ask them to refuse payment. They say it is " their policy '' not to. Now I will have to pay back XXXX out of pocket. It is completely absurd that ACS would not refuse the payment. I am the borrower, current on my repayments, and regardless of whether or not the payment is coming from me or a third party, I should control when payments are made to my account. If I ask them to stop a payment, they should. Now, on the third day I have called ACS, the payment hit the account. I 'm sure I have no way of reversing this now. I am extremely concerned about having to pay my monthly student loan payment ( because ACS says I must continue my monthly payments as-is with no break even though they just receive a huge chunk of money from XXXX ) AND now I have an additional payment to XXXX to cover this debt. Plus I have all of my other bills to pay including housing, utilities, and child care. I have never missed a payment and ACS needs to honor my request to stop payment. I 've tried to work directly with ACS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage has ruined my life! After my husband died, I was in a terrible financial situation and tried for almost two years to get my loan modified. I did everything they asked, sent in all the forms, many, many times. Every time I called ( when I would actually get to speak to a live person, which was very seldom, same response. It 's in process, no problem, or we need certain documents ( which I have record of sending time and time again ). Each tie they would tell me not to worry, there was no threat of foreclosure! Well of course I was served foreclosure papers. I had to file Chapter XXXX at the last minute to save my home which is the last thing I wanted to do since I have no other debt!!! Even my attorney has called them and no response!!! I am so close to just giving up, which is probably what they want me to o! They have attached outrageous charges to my balance, totally unbelievable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: 2 monthly mortgage payments drafted my account within a couple of days of each other. I went online and changed my payment draft day to XXXX/XXXX/16 iao {$1200.00} and the payment drafted but a few days later another payment iao {$1400.00} drafted which caused by account to be overdrawn. I contacted Chase and spoke with a rep regarding the double payment and he put in a request to reverse the {$1400.00} payment ONLY as requested. All that needed to be done was to reverse that payment and my loan would have been fine because the {$1200.00} payment which drafted on XX/XX/XXXX would have satisfied my XXXX XXXX payment and would have me due for XXXX XXXX payment. Trusting this was an easy fix of just simply reversing the 1 payment ... .. I followed up a week later and to my surprise the automated system advised me that my last payment made was in XX/XX/XXXX!! I made a payment on XXXX XXXX iao {$1200.00} which satisfied my XXXX XXXX payment but somehow that payment was now showing as " not recieved ''. Apparently, when reversing the payment of {$1400.00} for some ungodly reason Chase decided to also reverse both payments from XXXX XXXX and XXXX XXXX. I could maybe understanding reversing the XXXX XXXX payment and making sure everything was applied correctly but for the life of me I cant understand why the XXXX XXXX payment was reversed from my account ... ... Why reverse a payment that has been posted to an account for nearly a month? So, after being advised they were still researching the issue I made the decision to go to the local branch and make another payment of {$1400.00} yesterday to bring my account current because the system was still showing me due for both XX/XX/XXXX and XX/XX/XXXX payments. I did this because of fear that I would have derogatory reporting to my credit report and now I am fearful that somehow you guys will show my XXXX 2016 payment as being 30 day late and if that occurs I will contact my attorney and file a lawsuit against Chase Home Loans. I originally made a payment on XXXX XXXX which covered my XXXX 2016 bill and I need written confirmation that this issue will not have a negative impact on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: Two issues XXXX 1. PNC Bank has a policy where if a customer has his or her credit card attached to a checking account, and the checking account is over drawn then PNC will transfer the minimum of {$50.00} dollars to the over drawn account. However, PNC only allows a payment to be made up to XXXX, which means in almost all cases, a payroll deposit that comes through at midnight, will almost always be too late to cover the amount over drawn, thereby allowing PNC Bank to charge a minimum {$10.00} or a percentage ( which ever is greater ) over draft or transfer fee. 
2. PNC Bank notifies the account holder after the over over draft or transfer fee has occurred, which does not allow a payment to be made prior to the fee being charged. 

I believe PNC Bank deliberately set the time to pay an over drawn account at XXXX, to prevent account holders with payroll deposits from being able to place the over drawn funds back into their account before the fee is charged. I also believe PNC Bank deliberately notifies their customers after the fact to ensure that they can charge the overdraft fee. 

I did speak with PNC Bank regarding this matter and they response is that I should keep a positive bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Applied for a loan XXXX-XXXX-2017 with Nissan Motor Acceptance of XXXX tennessee advised the sales rep that I know what my credit score issue subscribing to the credit agencies credit score at the time was a XXXX and advised the company that I only want my credit ran through Nissan due to being a well qualified buyer. My sales rep was XXXX and the used car sales rep was XXXX. The car that I wanted was not in house XXXX had to travel to XXXX to pick up the car. XXXX the FOLLOWING DAY Saturday XXXX I started to get credit alert notifications. There were about 20 different inquiries showing on my account where XXXX had ran my credit so many times. And my credit score had dropped to a XXXX. When the store opened Monday I called and spoke to Managment by the name of XXXX the GM he stated over the phone that he would do what ever it took to make it right. I advised XXXX That I had the opportunity to contact some of the creditors and they had informed me that to get the company being Nissan to write a letter requesting to remove the inquiries. After speaking with XXXX and informing of what actions that needed to take place he agreed to derive a letter explaining the situation so that I may get the inquiries removed. I advised XXXX I could have had a better I interest rate also had the request of my credit only being ran through Nissan been completed. I advised him that I have a credit alert all over my credit and this was not surprised to have happened. Mean while waiting on the later and seeing that I had not been contacted ; I returned a call back to him. XXXX Stated that he could not issue a statement putting the do company at fault for any malicious intent. I STATED THAT IT WAS NEGLIGENCE ON THE COMPANIES BEHALF THAT THIS HAPPENED AND BECAUSE OF IT THIS HAS AFFECTED MY CREDIT AND MY ABILITY TO DO OTHER THING LIKE REFINANCING MY HOME. I CALLED NISAAN CREDIT TO ALERT THEM AND THEY DID NOTHING. PLEASE HELP ME ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GLOBAL CLIENT SOLUTIONS, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: the company name is global client solutions LLC Is this company legitimet. Are there any complants against it.Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My story started in XXXX of 2014 I was on a repayment program with Wells Fargo Home Mortgage. The program was suitable for my situation at the time. Since payments on a program such as this they are time sensitive. I had an emergency household repair for a furnace and I contacted Wells Fargo if I could make the payment three to four days late. I talked to two different members of said bank and they said I could. They gave me a confirmation number and the payment was made and cashed. About 10 days later I received a letter saying I broke the plan and would have to start the process over. Since they have now installed a program called Home Preservation Specialist that handles your case they gave me a name for contact. I made repeated calls to Wells Fargo over a number of months trying to resolve the issue and received no help at all. Bottom line all I wanted to do was to keep on the repayment plan and to make it more frustrating I was told by not one but to of their employees that I could make the late payment and they cashed as well. I also informed that the house was for sale and I just wanted to avoid any issues that came up. Finally I get contacted by them after spending averaging a least two to three calls a week. This is now four months later and the arrears have increased. I send in financial information that they requested and then get denied. I send in appeal letters and get denied. They start with a another request to see if I can be approved and more documents go out as well as appeals and they are denied. As time goes on the arrears continue to grow. Now I am in foreclosure with a sale date of XXXX XXXX. I have sold the house and the closing date is close to the sheriff sale date. I contacted them again and asked for a request for a postponement of the foreclosure sale they said sure send four specific documents for us to review. I fax the info and I am told when I called back that even though they have the documents in the system I would have to fax them to a different department. So I do and they tell me nothing can be done. Even though four different people at this firm have told me four different stories. Bottom line I am not the only one at fault here. And my situation is coming to a close I guess my complaint would be due to the incompetence, disregard and outright inattention to an issue by Wells Fargo and their employees that led me to believe I was ok has turned into a 9 month nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I requested in writing for Selene Finance LP to provide me with the the " input values '' and review the Net Present Value analysis/model used in making the calculations for the " NPV Test '' along with the date the process was completed in writing according to HAMP guidelines and Selene 's in house modification programs. I have right to a copy of the property valuation report. I also requested in writing for a copy of the pooling and servicing agreement, investor guidelines and the name/entity of the investor for the loan. 
I was never provided with anything from Selene Finance LP in accordance with PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Rewards

Complaint: On Board an XXXX XXXX flight the passengers were offered roundtrip tickets to any US destination including Hawaii if we applied for a CITI Bank, AA Advantage card. I recieved the card and spent the required amount in the required period to qualify for the Hawaii tickets. Upon applying for those tickets I was told that Hawaii was not a part of that offer. The card as presented by XXXX XXXX agent was false and both CITI Bank and XXXX XXXX will not honor the offer as presented.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital One started by charging a late fee when in fact the account was paid on time. I called the XXXX number and the rep refused to remove the late fee, at that time I requested the account be closed. The rep on phone stated that the account was closed but when I pulled my credit report it showed as open also Capital one charged late fees and interest on those fees, in addition they reported the account as not paid ( 120 days late ) to all three credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: https : //www.equifaxsecurity2017.com/ validating made up information, therefore providing incorrect information about the security breech and affected persons. Unable to properly determine if affected or not due to this.
Enter " XXXX '' as name and " XXXX '' as SSN

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Over the past 4 months my client has received XXXX separate collection letter from different collection agencies attempting to collect a debt allegedly originally owed to XXXX XXXX. 
The collection letters reference various different account numbers for the sums from {$1700.00} to {$3900.00}. 

Each letter seems to be from a different agency on behalf of LVNV Funding LLC . 

In response my office has repeatedly requested details on this claim from the agencies, but received no response. 


XXXX XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. 
XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX send a demand dated XXXX XXXX, XXXX sent a demand dated XX/XX/XXXX. 
Resurgent Capital Services sent a demand dated XX/XX/XXXX. 

This alleged debt, if it was ever owed is now barred by the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Called spoke with XXXX in the Equifax internal consumer affairs dept.. Ask this young lady can I have my file released for 48-72 hrs so the bank can considered my application for a car loan due to the fact that my vehicle has just broke down on me. Now I have had several problems with this dept in the past concerning fraud alerts and other items concerning my credit report. This company went as far as telling me that they were not going to release my file for me to have some credit protection company look at it. Then I was told to give them my information to what company it is I am wanting to view my record at the time and their contact information. Now she is telling me to fill out a form XXXX that I filled out in XXXX 2017 and was told that I only need to fill this out once a year. I asked why do I need to fill this out again and she stated because they needed it. Well I told her I already filled this form out and what is the need for me to do it again for them to tell me they dont have it or it will take 48 hrs for them to receive. I asked to speak to a supervisor and she refused saying she was the highest level when in fact I know that XXXX is the supervisor over that area because thats who I ended up speaking to previously about this form that I sent several times. She refused again and I told her that she was denying my file to be release for me to get another means of transportation. I asked several times more to get to a supervisor and she still refused. Please help because I have asked for fraud alerts and my file to be removed from this dept because they are causing me more headache than the person that originally took my identity before. They are hurting more than helping.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
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: Paypal credit is confusing consumers with debits and credits due to the linkage between A- PAY PAL ACCOUNT and B-PAY PAL CREDIT ACCOUNT. I have attached a copy of a {$15.00} payment to my credit account ; however, shows as a debit on the ledger. There response is " wait till you get your statement, it will be more clear, '' the transparency is lacking and laws are being overlooked or broken due to oversight in regulation in payment and credit account technology ( PAYPAL ). 

Blatant violations of the CARD ACT of XXXX in consumer 's access to viable, accurate online ledgers.

Company response to consumer: Closed with explanation