milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2016 about Debt collection (Payday loan) with Account Discovery Systems, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX/XXXX/16, I received a call at my place of employment dispite having told the previous company never to contact me at work. The call was from a XXXX XXXX. I was not provided the FDCPA or notified that the call was being recorded. I kept it short because I was at work and in a public area. He began throwing out settlement options. I stated that I needed verification of the debt emailed to me and that I would contact him the following morning. 

On XXXX/XXXX/16, I again received a call from XXXX XXXX who did not provide FDCPA or notify me that the call was being recorded until after he discussed settlement information and I began asking questions. Further, XXXX XXXX stated that if I paid the delinquent account " would be removed from my credit ''. I do n't believe that this is a true statement - it will not be " removed '' from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I asked for HAMP Loan Modification for 30-40 years for 2 % interest, instead I am getting a loan modification for 2 % for 2 years only. Inaddition the letter says the interest rate goes up to 6.75 % which iswhat the current rate is now. Again Nationstar is asking me to pay {$9200.00} up front before they agree to do the 2 years modification. 
To me this is not the HAMP Program modification I am expecting fromNationstar. To me this is more of scamming than anything else. 
Scamming in HAMP Program is illegal. Therefore I refused to sign their letter ofagreement/acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX my CHXXXX bankruptcy was discharged. As part of that, I signed a modification agreement with CitiMortgage ( who holds my 2nd mortgage ) that set new terms and forgave all my late fees, etc ( the details of this agreement are in the attachment " BK Citi Home Equity Modification.pdf '' ). One of the costs listed in that agreement was attorney and appraisal fees that totaled {$1500.00}. I just needed to pay the {$500.00} per month until the new loan maturity on XXXX/XXXX/XXXX. I made the payments for about a year, and then CitiMortgage sent me a notification that I was delinquent in the loan and had to pay the outstanding balance immediately. They also began sending me mortgage balance statements that showed I was delinquent in paying {$10000.00} for attorneys fees. I assumed since I had signed the modification, that these fees did not apply. They have been sending me these for a couple years now and I noticed that they started adding {$25.00} each month to this delinquency fee. I can not afford to have a lawyer review all this, so I want to find out if I am required to pay the now {$11000.00} delinquency fee or of that was discharge as part of my banruptcy. Please see the attached mortgage statements and delinquency notices.

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 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a dun notice from Chase Receivables for a delinquent account owed to the XXXX XXXX XXXX XXXX. I have never heard of them. I never incurred this debt. 

This looks like a fraudulent attempt to get me to pay a small amount to make it go away for a debt I do not owe.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have notified Trans Union and XXXX XXXX bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX bank or Trans Union.

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 12-01-2016 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Disclosures

Complaint: Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.

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 11-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: To Whom This May Concern, I am a resident of California and a XXXX American Veteran. I am requesting your urgent assistance with a problem I am experiencing with the U.S Department of Housing and Urban Development ( HUD ). I currently have an FHA loan on my home. Due to personal hardship following a job loss, I requested a payment modification with my mortgage company ( Nationstar ). I was granted the modification. I soon decided the only long term option I had was to sell my home. I put my house on the market and soon entered into Escrow with a buyer. During the title search I learned that there was a {$25000.00} lien or second mortgage put on my home by HUD which was part of the payment modification that I knew nothing about. Nationstar doesnt have a record of any of this either. Now I am waiting on the state ( HUD ) to provide some type of information so that I may proceed with the sale of my home. HUD has provided zero proof or information regarding this lien and am just getting the runaround when contacting them. I have been waiting for 2 months now, and time is not on my side. This is going to cost me my home if the state does n't provide something so I can sell the house with a clean title, payoff my mortgage company and attempt to rebuild my life. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for your help in getting this cleared up or at least some explanation from HUD. Thank you for your time and assistance in this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with citizens one. XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX citizens one charged us a bankruptcy and foreclosure fee. We were current with R I Housing hardest hit home fund. My escrow payments increased significantly since we been paying our mortgage ourselves since XX/XX/XXXX. I asked for a statement and citizens charged us and can see the charge for B/R and F/C. We were under the hardest hit home at the time. I contacted citizens several times and they ca n't explain what this fee is for snd why I was charged. On XXXX/XXXX/XXXX there is a fee of XXXX for misc. B/R and F/C fees. This has caused a shortage in my escrow. We do n't owe these fees this is a mistake on their part that they refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Rewards

Complaint: Was actively solicited a half dozen times by American Express Business Gold Card offer. The solicitation was in the name of our s-corp. we applied and were approved. The offer stated that we would received XXXX, XXXX points if we spent {$5000.00} on the card in 3 months - however when it came time for American Express to award the reward points - they claimed that since we had a card previously we were not eligible. 
In later communications they claimed since the person who applied for the card had previously had a gold card - that we were not eligible. Our concerns are : 1. Why would they continue to actively solicit us for their card if we are ineligible? 
2. Why would they approve us and issue a card but not inform us that we are eligible for the reward? 
3. Why would they wait to inform us until after we achieved the desires card spend targets needed to qualify a significant portion of the awards? 

On XXXX/XXXX/2016 we spoke with a XXXX XXXX from American Express who apologized and explained that they have no way of suppressing customer solicitations to those that are ineligible to receive the awards -XXXX explained its in the disclosures - however its not something we could find. 
Lastly - they solicited the small business we own for the card - and we applied for the card in the name of the small business ( an XXXX ) which is a different entity from the individual. Under this type of solicitation and application - our assumption is that the card is associated with the XXXX and since the entity had never previously had a card - we should receive the XXXX points - however XXXX XXXX explained that although the solicitation was in the XXXX name - and even though they ask for an obtain the TIN - that the card is issued to the individual ( the card has the company name on it, was applied for under the company name and TIN ) - and therefore the eligibility is evaluated based on the individual 's SSN on the application. 
While I am a well educated man I can not understand how this type of behavior is reasonable or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
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: See previous complaints filed about this same matter : XXXX & XXXX. Chase Bank Credit Card has still not provided an address or phone number or an email address for me to contact regarding the disputed transaction. Chase provided me with a contact for XXXX at XXXX XXXX, but not for the " XXXX XXXX  '' app which is a separate entity and who it was that charged my card in error.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with New Century Financial Services, Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was not mature enough to make that decision and was sent a credit card I never applied for. I was on XXXX and tried it ( the credit card ) to see if it worked because it came in the mail. It did I have since been in rehab trying to get my life together. 
I have much better judgement now and pray that I will be released from this debt.

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 01/29/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (WI).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.

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 Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They keep calling me while I am at work. I have asked them to not call me during the hours of XXXX. I also emailed their main office asking them to have the local office not call while I 'm at work.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: On XX/XX/2017 Discover had to have some mix up with their billing dept because they reported a late payment on my account of {$5.00} ... I informed them that statements were n't coming in the mail nor was a courtesy call placed that the {$5.00} would be reported late if payment was n't made.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Application processing delay

Complaint: I was denied a credit card by Chase Sapphire because I had opened XXXX credit cards in the last two years. I have never defaulted on a payment in the last 50 years, I own my own house and two cars, I have almost {$1.00} million in my brokerage account, I have no problems with my credit score, I have no debts whatsoever and I pay all outstanding bills in full before the due date. To me this is an arbitrary rule that should be subject to review when requested by the customer who has had an application denied. Despite my inquiry and request five times to Chase, they are unwilling to review the application based on the additional information that I have provided. To me this is discrimination against those of us who have maintained excellent credit over our lifetimes and wish to make only credit card purchases. We are falling into the same category as those people who simply live beyond their means by unwisely using their credit cards. I resent being so classified and not even being able to have anyone review my application. Gosh, even XXXX are vetted! I ca n't get anyone to listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX XXXX I purchased and XXXX Chevy impala from XXXX XXXX and my loan was purchased by Santander Consumer USA at XXXX a month which was paid every month on time until the loan was refinanced by XXXX XXXX XXXX XXXX On XXXX XXXX. On XXXX XXXX XXXX XXXX contacted Santander for the pay out of the car and they were told that it was XXXX this company accepted the check and the title was turned over to XXXX federal credit union on XXXX XXXX with the balance paid in full. So Santander only had this car loan for about 2 and a half months before it was refinanced. Now remind you that this car was paid out in XXXX XXXX in XXXX XXXX Santander started reporting to the credit bureaus as if they had the car and stating that I did not make my car payment. sating that the account was a charge off in the amount of XXXX and still reporting. I will be attaching you the proof of this pay out for the vehicle that was excepted by Santander Consumer USA. Please ask this company to furnish proof of accurate information pertaining to this loan. They report false information and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Financial refusing to provide loan payoff amount timely.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: I had a previous case with you that we thought was resolved. My husband and I were pleased with the creditors response. The creditor once again ( second letter ) apologized and stated that they basically in simple words would repair our good credit standing and reverse any late fees and interest charges. This was stated in the letter dated XXXX XXXX, 2015. To date, our credit has not yet been repaired. I am again, reaching out to you for your assistance. I have tried numerous times to reach the gentleman who wrote this letter to us/this credit card company and unable to reach him. I thank you in advance again.

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 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Consolidated Recovery Group, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a collection charge on a non existent debt. Their client, who placed the account with them, forgave the debt when their equipment was returned to them. They have refused to remove this from my credit in order to extort money from me. This is an unscrupulous company and should be fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease

Complaint: I had a car loan with Kia Motors Finance. My car was hit XXXX while the car was parked. My insurance company paid off the loan but paid more than the balance of the loan and Kia Motors Finance refuses to return the balance. Although this is a small amount, I believe this occurs to many many people and we have no other recourse. It is impossible to get a live person to speak to on the phone and the XXXX letters I have sent have resulted in no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this debt with XXXX since XXXX. I have sent multiple requests to verify the debt. XXXX has refused to respond to the certified letters I sent on XXXX and again on XXXX. The credit bureaus removed the item, but now all of a sudden it 's appearing again. This debt is not mine, I have not signed a contract or anything to business with XXXX. Please remove this from my credit. It 's been almost a year and XXXX has not responded to any requests. The law provides for removal of the item if you do n't respond and it 's been nearly a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I was told by my bankruptcy attorney to surrender my vehicle and was referred to auto dealer they had a 'deal ' with to get a new vehicle. Was financed by sub prime lender called Prestige Financial. I was laid off and have been struggling with my health for some time. I 've asked to lower payments or refinance and sometimes they do lower payments but they wo n't renegotiate terms and when I said that I would need to try and get out of vehicle XXXX XXXX as well as all the employees that report under him, are rude and say things like no one will help me, I 'm 'XXXX ' if I do n't make my payments, they pressure me to surrender the vehicle but then rescind saying why would they want that if they want their money. 
I have told XXXX XXXX and XXXX that they are rude, disrespectful and that I know I have an obligation but I need to take care of my medical condition as well. 
I can not keep my composure speaking with them anymore, I ca n't remain calm its impacting my health further since not only am I under duress I have to deal with their abusive tactics as well. 
I 've asked for call recordings, etc but they never can seem to find those details.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (OH).
Issue: Taking out the loan or lease

Complaint: I cosigned on a vehicle for my son. Originally the dealer put the loan in my name with my son as to co-buyer. After I discovered this I had the dealer redo the loan and put my son as the buyer and myself as the co-buyer. 
The dealership did not file the corrected loan paperwork with Toyota Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: *We spent all we had on tuition {$25000.00} and I took out a Student Loan of {$16000.00}. 

*After 3 years of training, the Dean of Students suspended me going into my final year. No institution, no school no one can collect tens of thousands of dollars over 3 yearsand refuse to deliver and keep all the money. It goes against Student Rights and what the law refers to as The Right to Graduate.

*The Dean of Students tried to cover this up with falsified documents and withholding information. 

*The reasons the Dean gave in the Suspension Letter were not even true. 

*Then the school did the impossible and stopped doing what schools do. The school ignored my grades and GPA, ignored my internship and training, ignored my classes and all my school work, tests and papers. How can a school ignore my education? 

*The school not only refused to give me credit for my work, it also refused to do its own work. After collecting tuition, it stopped doing the very work I was paying the school it to do. The seminary ignored its own classes, ignored its professors work in giving me a grade, and then refused to record my grades or give me credit for the classes I completed. 

The Michigan Department of Education did nothing. They supposedly held an investigation and yet in six months, the only thing they asked to see was our canceled checks, to which we showed them over {$25000.00} worth drawn from our checking account all gone.. The Department of Education here in Michigan never asked to see a single document. They claimed they couldnt do anything because the school was a seminary. It is ludicrous to make this a church & state issue when its a fraud issue. {$25000.00} was our entire savings. No school, no seminary no one can charge this kind of money and then simply refuse to do the work. 

We have no money and I have no career to pay it back with and my name and credit are worthless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation