milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and may affect my employment. Based on the result they received on    XXXX    I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  XXXX   XXXX   XXXX  bank who notified me that my debt was sold to  midland funding . When I contacted  Midland Funding  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less t han 1  week to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 recur ring payments of {$250.00} beginning  XX/XX/XXXX ,  15 month ly payments of {$150.00} beginning  XX/XX/XXXX  and a final payment of {$87.00} on   XXXX  . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital  XXXX  stated to look into the judgement against me. I contacted the court on    XXXX   XXXX   XXXX    and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at   XXXX   XXXX   and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, th e 3rd  party, and the civil judgment reporting on my credit reports and the amounts are different.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Private student loan) with AES/PHEAA (DE).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have attempted to Receive a forbearance on my loan because I am back in school. I have called Aes Numerous times. Each time I receive different information. I have attempted to work through email but they refuse and will only discuss details over the phone so I do not have anything in writing. I submitted requests through their online form. In the end I had to wait for a forbearance form to be mailed to my house as they would not let me receive it via email, fax, or online form. The letter never arrived so I had to request again, all the while my debt is piling up. After receiving the form, I faxed the signed portion directly to the processing center. A few weeks later I receive a physical letter notifying I have ben denied because I did not fax the entire agreement, the first page that did not require a signature was missing. At this moment I faxed the entire agreement back to aes, called customer service and waited for a response. Was told to wait. Today, XXXX XXXX I had still not heard an answer and the debt was severely damaging my credit so i called aes. Was notified they only received one page of the agreement the second time and that I was no longer eligible for a forbearance because it has been over 120 days. I have receipts of the fax and phone records as well as screenshots of my form submissions. They have been extremely difficult to work with and seem to have done everything possible to deny and progress towards delaying payments. Previously I had been making payments consistently for 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with Eaton Group Attorneys LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: to my knowledge this debit first became delinquent XX/XX/XXXX, it was recently reported to the credit bureau as becoming delinquent in XX/XX/XXXX. this debit is over seven years old, seems to have been sold to another company and all information I have no knowledge of.I have a judgement placed on my credit file. XX/XX/XXXX, i tried to pay on this account but payment was refused that was all i could afford, the balance now i have no knowledge of this is a seven or eight year old account to my knowledge and wrong Information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Closing/Cancelling account

Complaint: My husband XXXX XXXX had a Care Credit account in his name, I was never listed on the bill or had a card in my name I was an authorized user. My husband passed away in XXXX of this year with no assets there is no estate or probate. I sent a letter to the company with a copy of the death certificate and notified the there are no funds to pay this bill and ask them to close the account. Instead they put the account in my name without my permission and are now holding me responsible for the bill over {$8000.00}. Bill collectors calling day and night. I spoke to someone in customer service today and explained the situation again and was told that it was a joint account - I asked for proof - it will take 40 days to mail me a copy of something showing that i am responsible for the bill. They wo n't put a hold on the account until I get that info and the late fees keep adding up and they told me I would be reported to the credit reporting agencies. I can not pay this bill and Care Credit. In XXXX Care Credit became associated with Synchrony bank and sent new cards - this time there was XXXX for me that I have never requested and have n't This compnay will not work with me any way - they want their money and that 's it. I need help. I consulted an attorney through my legal services plan and he advised me that I am not responsible for debt that was in my husbands name or any debt that has me listed as an authorized user or secondary name.

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 05-01-2015 about Debt collection (I do not know) with iQuantified Management Services, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: During the months of XXXX and XXXX 2015, I started receiving calls for some unknown debt that the company admits is not in mine. I do not know what this debt is, or who they are looking for. The have continued to call my personal cell phone 15-20 times during this period. I have talked with someone at their company at least eight different times letting them know my name and that they have the wrong phone number. Each time, the person apologizes and tells me they will take my phone number off their list. I have received three calls this week alone. The company is I Quantify Management Services ( IQMF ) ; their number is XXXX

Company response to consumer: Closed
Consumer complaint received 06/22/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: BBVA Compass ran a {$200.00} promotion bonus for opening checking account from XX/XX/2017 through XX/XX/2017. I opened a checking account on XX/XX/2017. Per their requirement below, I have qualified but they refused to credit me with the bonus 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

2. Account must be opened within XX/XX/2017 through XX/XX/2017 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option XXXX. 
5. After the requirements have been met you should receive the promotion within 60 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: I contacted my bank, PNC Bank, to inform them that my credit card had been over charged at a restaurant. The cost of my bill was {$10.00}. After paying my bill, I was informed by the manager that " I was overcharged a little '' but if I contacted by bank the next day they would resolve it. I was then given a receipt for {$10.00}. After checking my account the XXXX day, I noticed that I was charged {$1100.00} in addition to my {$10.00} bill. 

After filing a dispute with the bank the next day, I was informed that I would need to provide proof of my original {$10.00}. I explained that I lost the receipt from that night and was told to contact the restaurant for a duplicate receipt. After several conversations with the restaurant manager, I was told that he no longer had a copy of the receipt and would have to " get back to me. " After XXXX months of calling the manager, it was clear that he was not taking my request seriously. I contacted PNC Bank to inform them about the situation and ask them to help me by contacting the restaurant directly. XXXX XXXX, the woman handling my dispute, told me that they would try contacting the restaurant but if they could not get the proof they needed, I would be responsible for the charges. 

To date PNC bank, has done nothing to assist me in resolving the issue with this fraudulent charge and has deemed me responsible for the {$1100.00} charge. I have since spoken with the manager of the restaurant and he is still " checking on the matter. '' He also denies receiving any communication from PNC Bank. 

As a loyal customer of PNC Bank, I have entrusted my money to this bank believing that if anything misfortune occurred that they would do everything in their power to assist me in protecting my money. I never imagined that if a fraudulent charged ever occurred that I would have to become a private detective and investigate the matter on my own. PNC bank has neglected their responsibilities as a financial institution and should be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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 have contacted equifax on several occasions through mail, online disputes and through telephone. I have sent in documents numerous times stating that my balance was paid in full for several of my accounts and also stated that several of the information they had on file was inaccurate. The phone  call I last  had took place on Friday  XXXX . The operator stated that they received my information but they still could n't remove my delinquent account even though I sent them proof and it was right in front of them. I have already maile d in 3 letters and 3 online di sputes within the last couple months for them to keep listing it on my credit report and allowing my credit to drop drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We applied with Keep Your Home California ( KYHC ) hardest hit fund for assistance with foreclosure. We were approved on XXXX XXXX, 2016 for the Mortgage Reinstatement Program to bring us current on our payments. Wells Fargo received the funds from ( KYHC ) on XXXX XXXX, 2016. They mailed us a statement to make our XXXX payment. On the statement it gives different payment options. By phone is XXXX option that we tried and their system would n't allow it. Taking the payment to any local branch is another option that we tried on Wednesday XXXX/XXXX/16 and it was blocked from making a payment. The branch manager called them on the phone and was given the run around. They finally put a rep on the line to speak to me. She stated that the hold on the account would be removed on Friday XXXX/XXXX/16 to make my payment by phone or come into the branch to make my payment. I came back on Friday and again could not make my payment. The manager assisted me again and placed a call to them. It was a long wait before they got somebody to speak to me. a representative got on the line and referred me to the Trustee, which is the foreclosing agency that has an upcoming scheduled sale date on my property. I informed the Wells Fargo rep that I spoke to them on Wednesday and they told me that they get their instructions from Wells Fargo. I asked her to put a supervisor on and after a very long wait, someone got on the line who said she will look into it and give me a call. We want to be able to make our payments moving forward and keep our home.

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 06/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Account opening, closing, or management

Complaint: I checked my on-line account with Bank of America today and found a XXXX maintenance fee assessed.  This fee is part of BofA "updating" their checking products.  The Change in Terms (CIT) notice dated XX/XX/XXXX for that update indicated that I could avoid the fee if I met XXXX of XXXX requirements as of my XX/XX/XXXX statement cycle. I met XXXX of those requirements as of that date, a CD with a balance of at least $10,000 and a line of credit (HELOC) with a balance of $15,000 or more, so I did not think that the fee would be imposed.  I called BofA today and explained my position.  She stated that the cause was that my accounts were not linked. I stated that as far as I was concerned they all are linked as I can see them all in my on-line profile and can transfer funds among them as needed.    She indicated that this was an internal linking process and she took steps to do that with all of my accounts.  She also processed a reversal to the maintenance fee.  I am writing to make others aware that the same maintenance fee may have been imposed on their accounts despite them having met one of the qualifying requirements .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with M. G. Credit, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Tuesday at approximately XXXX I received a call from XXXX. I was waiting on an important call and thought I would answer, although I do not usually answer unknown numbers. I answered and the person just said XXXX XXXX? I said who is this and they immediately said the were calling about a bill I owe point medical, I said who is this and the man said that I owe a bill and if I do n't pay it will is going on my credit report. I said I do n't owe anything what are you talking about? He then said something and I could hear some one whispering in the background to him and he said I owe XXXX money. I said no I do n't, and you never confirmed you were taking to the correct party not tell me this call is being recorded. He said something I did t understand and kept saying that I do owe and if I do n't pay it is going on my credit report. I told him that that are n't supposed to call me. I have had issues in the past with this company calling and harassing me. They are rude and I previously told them to NEVER call my number again. I will pursue the advise of my attorney because this is causing me undue stress and I have XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Experian send out disputing results with a statement of items have been updated but you can see the problem right away.

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 02/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Mangement is continuing to illegal report debt that I am disputing. I have sent certified mail on XXXX occasions stating send me proof of debt the last being XXXX. They continue to state they are not processing my request which is illegal of them. If they do not remove these debts will be bringing suit to them shortly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have a Synchrony Credit card with XXXX XXXX XXXX.. .the account is current and I 've made payments every month on time. 

I used the card to purchase furniture for XXXX XXXX interest for a promotional period. Every month I made payments, my payments were not allocated to the promotional balance that matured first, rather it was split equally among the balances. 

While I was able to afford to pay the balance necessary to ensure I was not hit with the deferred interest.. .I do n't think others are necessarily in my position to do so and can be hit with sizable deferred interest bills.

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 02/20/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: After checking my credit report, I noticed XXXX XXXX has resubmitted an account that was removed from my credit report due to identity theft.

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 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have a credit card from Citibank for 11 years now ; in XX/XX/XXXX I requested a credit line increase and when I did they switched me to paperless billing, so I did not receive a statement XX/XX/XXXX. 
By the time I realize it the payment was late and Citibank charge me a {$35.00} dollar fee and raise my interest rate from 11.99 % to 29.99 %! 
I then contacted Citibank and they reduced the rate back down ; however, even if I was at fault it 's incredulous for them to raise your interest rate for minor violation, but the reason I 'm taking the time to file this complaint is the egregious tripling of the interest rate ; even if I were a poor performing customer with a low credit score, it should be illegal for them to TRIPLE anyone 's interest rate.

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 04-02-2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: My family and I found a beautiful short-sale home from Chase Bank in XX/XX/XXXX. We placed an offer that was accepted by both the seller and the Chase bank but, in XX/XX/XXXX Chase came back and requested more money. At XXXX we offered {$260000.00} using a VA backed loan with the seller covering all closing cost at 2 %. When chase came back requesting a final offer in XXXX, we raised our offer to {$270000.00} with the seller covering closing cost at 3 %. This was accepted and on XX/XX/XXXX we went to settlement and close on the home, all documents were signed and I was given the keys to our new home. However, a couple hours later my realtor and broker called to inform me Chase did not accept the HUD-1 statement and wanted more money to the tune of {$3500.00} ( {$2000.00} escrow and an additional {$1500.00} ). As a XXXX and wounded veteran I was appalled by the GREED and DISHONORABLE behavior displayed by employees of Chase bank that are willing to let another veteran ( the seller ) go into foreclosure for {$3500.00}.

Company response to consumer: Closed with explanation