milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This is my final request to have the remainder of {$230.00} in overdraft fees rebated to me before filing in small claims.     I am being represented by  XXXX   XXXX  Firm.     I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX     2017  even though I never elected to have overdrafts allowed on my account. I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded or I will bring the matter to small claims.     My Account number is  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Some in 2012 I begin a process of trying to pay off all credit so that I can begin the process of purchasing a home. I requested my Credit Report from all Credit Companies thru website Free Annual Report I review the report and begin paying them. I believe some on my credit report did belong to yes I disputed them certain items keep popping up with different account numbers but attach to my social security number. I would all XXXX companies the investigated for policy and procedures and make they following Federal Regulation regarding Credit Reporting and Credit Score and review their Computer system for accuracy and privacy guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have addresses and names on my reports that are not mine

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 03/16/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I were working with XXXX, a HUD approved mortgage counselor, to apply for a HARP modification with CitiMortgage. We had initially applied in XXXX, 2015 and after numerous submissions of income and information, we were denied the HAMP modification. Our housing counselor at XXXX even mentioned that we should get a lawyer at one point in the process because CitiMortgage was giving us the runaround. CitiMortgage told us that the reason the HAMP modification was declined was because our income of $ XXXX/month did not reach the XXXX % mark for the loan to be modified. We were only at XXXX %. The XXXX counselor then contacted CitiMortgage to confirm the numbers and asked, at our request, for an appeal and that CitiMortgage include the income of my mother-in-law, XXXX, to qualify as well, since she is living in the home with us permanently and my wife and I have power-of-attorney over her finances. After much back and forth, CitiMortgage decided to allow her income on the appeal, which was around $ XXXX/month. All we needed was another $ XXXX/month income to get the HAMP modification and XXXX agreed to let us use $ XXXX/month toward that purpose. However, when we reapplied, CitiMortgage again rejected us for the HAMP modification. They stated that from our original income of {$5000.00}, the new income for the second decline was {$4900.00}. Instead of increasing the original amount of income by {$800.00} to {$5800.00}, CitiMortgage decreased our income to {$4900.00}, a decrease of {$130.00}. This is fraud. After that, CitiMortgage offered us a blind " modification '', as they called it, of a 40 year loan with 7 % interest that was not based on any of our income. This is bait and switch.

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 06/27/2017 about Debt collection (Other debt) with Professional Finance Company, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a communication via mail in XXXX XXXX. I called on the XXXX to respond and request debt validation that I am allowed. The bill was for a gas company. A {$400.00} gas bill seems to be completely insane! The residence claimed is a single family home, how could a gas bill get THAT high? There has to be a mistake I originally spoke to a XXXX who was excessively rude to me and when I requested that all communication be written, she told me that meant a cease and desist of all communication. I tried to correct her but she would not listen at all! I requested to speak to her manager but she transferred me to a voice mail. I called back and got a hold of a XXXX who also refused to find a manager for me to speak too. I called back again and got a hold of XXXX who pretended like she had never spoken to me. I finally got a hold of XXXX ( a presumed manager ) on my 4th time of calling in. He talked over me and had an attitude about me requesting that he be polite. He refused to send me debt validation and told me I had to write in. No other collection agency does this. If you call in, they all will send out the required validation as it is a recorded line and it can be proven you request it. I asked him about the type of validation and had no clue what I was referring too. It was clear he does n't know FTC law requiring what consumers are allowed to request. He also tried to force me to admit the debt as mine though again, I havent even received validation! I asked for him to pull the call with XXXX and he just hung up on me. He did n't say he would look into the matter but just hung up rudely. I never raised my voice, but he constantly talked over me as I tried to explain the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Medical) with CBM Services, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was paid in full before it was reported as being in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining through the Equifax portal, certified letters sent to Equifax, CFBP and BBB. I was told to submit copies of my complaint along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to removed the unauthorized inquires. I spoke with each creditor and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter solved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve my issue at all from previous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CO).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Provided Info for potential employer to perform background check. Employer said my name and SS # did not match up. I attempted to get the reports myself from XXXX but all three companies were unable to fulfill my request with no explanation.

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 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of continual ID theif. This is either do to XXXX XXXX that lives at XXXX XXXX XXXX , XXXX IN XXXX or do to Collector sDatabase. The XXXX Police will not Help the XXXX WI police. 
All Below is going on My Credit, I have cleared it but I also have to pay {$300.00} a year for ID Protection. 
XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} XXXX XXXX Defaults on his Services ( XXXX ) {$700.00} XXXX XXXX Defaults on his Services ( XXXX ) {$800.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$1300.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} Police Report Filed for all above XXXX XXXX XXXX Defaults on his Services ( XXXX ) {$250.00} Police Report Filed for all above XXXX - All above have been cleaned from my Credit Report ( Unknown Date ) XXXX Defaults on his Services ( XXXX ) {$1000.00} Police Report Filed for all above XXXX This was just file XXXX/XXXX/16. 

The question that no Police Detective or Reporting Agencies can answer. 
- IS XXXX stealing my SSN ( but I do not think that XXXX ask for the SSN ). 
- OR is the Collections Companies doing this to me? They have linked my name and his name together and added it to some database that can not get that information removed. 

I have Spent {$300.00} for that last three years ( {$900.00} ) because of the Collectors or XXXX. I have to keep Renewing do to XXXX Defaulting on his bills and the Collectors coming after me and not him. 

Each time this happens I have to get a Police Report, get current bills, Affidavit explaining why it is not me, DL, and all this personal information has to be sent to each collector. Giving all my Personal Data to them to clear me. I spend hours each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I started asking for a copy of my Promissory Note with my original signature on it since XXXX XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XXXX XXXX, XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XXXX XXXX & XXXX, XXXX XXXX & experian was sent via certified mail XXXX online dispute portal, XXXX XXXX, XXXX all was sent certified mail, and the 4th and final letter was sent XXXX XXXX, XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.

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 02/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: This is reference the Wells Fargo Scandal of XX/XX/XXXX On XX/XX/XXXX my Wells Fargo branch asked me to come in to open XXXX new accounts due to a security breach on my existing accounts. They advised me that the source of the breach was confidential. XXXX new accounts were opened and resulted in bank routing numbers not recognized by my creditors when I issued checks. Those checks were returned as insufficient funds and my credit report and my credit score were financially damaged over a XXXX year period. My local Wells Fargo Branch officers were incentivized to create new accounts at my expense. I was advised to submit my complaint /dispute with the XXXX XXXX XXXX XXXX on XX/XX/XXXX and I submitted a XXXX Form with XXXX ( XXXX ) supporting documents requesting {$50000.00} in financial credit damages over a XXXX year period. On XX/XX/XXXX A Telephonic Mediation Conference Session was conducted between Wells Fargo, The XXXX and myself for a XXXX and XXXX half hour session. My XXXX is : XXXX. While a settlement resolution was reached a serious XXXX of justice occurred where I had no choice but to settle for a {$1000.00}. This was agreed upon my all XXXX parties on XXXX. Since that date no payment has been made my Wells Fargo and after several attempts to reach Wells Fargo through the XXXX they failed to reply or make payment. I have a condensed account of all of the above dated XXXX that was emailed to you at : XXXX. I will attach that document again for your information. Naturally, after XXXX months I have extensive records of my entire complaint/dispute with the XXXX & Wells Fargo on file. As a XXXX at age XXXX I am convinced I have been victimized by Wells Fargo and I am respectfully requesting the CFPB to review and investigate my complaint. Please advise my next step with the CFPB. 

Sincerely, XXXX XXXX XXXX, NV XXXX Email : XXXX Telephone : 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 monetary relief
Consumer complaint received 11/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is this woman that calls all night and all day from Capital One. It sounds like a recorded message. She blocks her calls but I was able to find a weird address XXXX She calls at all hours, Once, I tried to pick up the phone but no one is there

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (AL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I attempted to make a payment onlver the phone with my debit card in the amount of {$540.00}, but the agents stated that there was an issue with my CVV code. I called my bank only to confirm there was no such attempt at an authorization. I calle d BPL back and att entpted again to process a payment and was told the same thing as before. I eventually settle to have the payment ACHed from my account for {$560.00} for  two  days later.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Bank account or service (Other bank product/service) with First Data Corporation (MA).
Issue: Making/receiving payments, sending money

Complaint: TeleCheck is declining my checks for even the smallest transactions. XX/XX/XXXX at XXXX in the amount of XXXX at XXXX XXXX XXXX. The reason they say is insufficient history and will not guarantee any checks will be processed. As I am awaiting my debit cards in the mail, XXXX days, I have no other form of payment and this company is unjustly holding my money hostage. I have good credit, own XXXX homes and have a significant balance in my checking account. Therefore, I have good credit history and should not have checks declined for {$69.00} and is completely embarrassing to approach a check out with a carriage full of groceries and be declined! 
In researching, the issue numerous people are complaining about these same issues and something needs to be done. I see TeleCheck was fined XXXX in XX/XX/XXXX for this same issue and they have not improved. Either they need to get their act together or be subject to additional penalties and/or taken over by a competent organization. 
If reasonable resolution can not be found with this company I will also be contacting my lawyer to seek punitive damages as well as contacting my senator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In 2013, PHH Mortgage no longer accepted the mortgage payments and failed to produce the originating documents. Due to this, the property is now in active foreclosure and I am not the debtor, the home belonged to my late mother whom willed me the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Private student loan debt) with Riverwalk Financial Corporation (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received communication in the mail involving a debt sold to the company XXXX XXXX XXXX in early XXXX. On XX/XX/XXXX, I submitted a request via certified mail for a validation of this debt. The company did not respond then in early XXXX, around the XXXX, reported this debt to XXXX and XXXX on my credit though I requested the verification of this debt. I attempted to call them numerous time from XXXX to XXXX and have not received any contact or communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I opened an overdraft line of credit in 2010 for an annual fee of {$50.00}. The fee is billed each XXXX. This year I decided the ( LOC ) annual cost was n't worth the annual fee. On XXXX XXXX I paid off the balance on the LOC. On XXXX XXXX I went to the bank branch and told them I no longer wanted the LOC. I was told that I had to submit my request in writing. I later called customer service and explained that I no longer wanted the LOC. I then received a LOC statement charging me the {$50.00} annual fee and some residual interest ( {$4.00} ) from when I paid off the LOC. I called the bank 's customer service and was told that I had to pay off the LOC before they could close it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-11-2017 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I XXXX was taken in an ambulance. I was told by the clinic/hospital that my Health Insurance will fully cover the ambulance ride or service. I recently a bill from a Debt collector.The amount is for $ {$710.00} ... I was falsely given information about my coverage..

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Rewards

Complaint: I applied the XXXX platinum charge card which offered me XXXX Membership rewards points as the sign-up bonus. It required me finish XXXX dollars purchase within the first three months. However, the system gave me the sign-up bonus on XXXX XXXX and removed them on XXXX XXXX! That made me confused because I knew that I did not fulfill the spending requirement yet. I thought there must be something wrong with the system, so I did not pay attention to it and continued to purchase by using this card in order to satisfy the XXXX dollars spending requirement. However, even after I spent more than {$3000.00} dollars and waited several months, my account was not credited with the XXXX Membership rewards points. I contacted with XXXX via online chat which said I should make a phone call to XXXX. When I called the XXXX representative, she said I can not get the sign-up bonus because of some cancelled charges. That made me so shocked because I believe I did not cancel any transaction. Moreover, when I asked her to provide me the details which transaction I cancelled, she just told me she did not know and repeat over and over again their so-called " policy '' -once the sign-up bonus released and would not give back after removing. However, a friend of mine actually also confronted the same situation but got the sign-up bonus back after contacting XXXX! Their explanation is unacceptable because the fault is not made by me but XXXX system. I conservatively value XXXX Membership reward points equal to XXXX cents, so XXXX Membership rewards points are equal to {$2000.00} dollars. Therefore, I have to suspect that XXXX intentionally gave me and took back the XXXX, XXXX Membership rewards points sign-up bonus within 2 days in order to deprive my rights to acquire them.

Company response to consumer: Closed with non-monetary relief