milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with BANK OF THE WEST (NE).
Issue: Account opening, closing, or management

Complaint: Subsequent to a complaint filed with your agency against Bank of the West, my account has been charged {$230.00} in junk fees. I have attached a copy of the running figures on account ending in XXXX. On XXXX XXXX, 2016 the account as a positive {$7.00}, then without explanation fees in the amount of {$62.00}, {$30.00}, {$70.00} and {$70.00} were charged bringing it to a negative {$210.00}.

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 09-05-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: My Brooks credit card changed banks, I continued to submit payments in my usual fashion. I began receiving calls from CITI, saying my account was past due and demanding payment. When I was able to contact CITI, I was told I should contact the bank I had been making my card payments to since 1999. The payments were made through my bank 's bill pay system. I discarded my old Brooks card when the new card came in the mail. How can I retrieve the sent payments and rescind the late fee charged by CITI?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I have attempted to verify requirements of the offer, but representatives were unavailable or required hour or more waits. I was to receive a {$300.00} offer after {$4000.00} dollars were directly deposited to my account.As such, I was purported to receive the bonus 60 days after the {$4000.00} requirement as  met : -  XXXX   XXXX   XXXX    XXXX  ,  XXXX  was directly deposited to the account, via  XXXX  payroll  XXXX   XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund, and, finally, -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited to the account via  XXXX  payroll ; As such, Bank of America h as offered an unfulfilled offer. The payroll was reoccurring, and the tax is, too.

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 08/20/2015 about Debt collection (Payday loan) with National Check Resolution Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Calls and threatens to serve me and will not give me physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Penn Credit Corporation (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector XXXX did n't verify collections no contract no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (IA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I work for a company in XXXX IA, When I filed for my payday loan I did not give my current place of business number. My boss and another co worker have been called and the business calling them left messages on their voice mail. The messages left do not state that they want to talk to the people they are calling but to me. My number is also in the company directory and they could call me directly. Further more, I have spoken with them and told them I would call them when I get the chance and they continue to call my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: They put hard inquiries on my credit report

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 01-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Advertising and marketing

Complaint: I signed up for a Chase Southwest Rapid Rewards XXXX card with the assumption that after paying a {$99.00} annual fee and spending {$3000.00} in the first 3 months I would receive a signup bonus of XXXX southwest miles. After 3 months I was sent a postcard stating I wasnt eligible because I had already recieved that bonus. Indeed, I received a bonus, however it was for the Chase Southwest Rapid Rewards PLUS. In the terms and conditions on the application page it says, " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' Since I previously had the PLUS card I believed, and still believe, that " this card '' when referring to the XXXX card would NOT include the PLUS card. All my attempts to explain this to customer service were futile. They advised me to fax a complaint to the XXXX, which I did, it 's been around a month now and I have n't received any sort of reply.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Listed XXXX addresses that belong to family members.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with DISCOVER BANK (FL).
Issue: APR or interest rate

Complaint: I have been receiving multiple calls from unknown numbers claiming that they can lower the interest rate on my credit card to XXXX. When I picked up, they said their name and company name so fast, I could barely hear it and proceeded to ask me questions about the last XXXX digits on my social, how much money I owe on the card, my credit limit, my name, and the last XXXX numbers on my credit card. After I gave her all the information, she immediately hung up. The phone number was XXXX and they were calling from XXXX Fl. When I try to call back, it immediately hangs up. That 's when I realized this might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Vehicle loan or lease (Loan) with First Credit Finance (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: First credit Finance This company has a bad customer service, the department that handle registration and titles As customer you expect a friendly answer for the other side of your line , We call  XX/XX/2017  t his person who answer our call was rude, she was not helpful she was so unprofessional and she hung up the call at the end, I request to talk to the  manager she help us but she mention well for what I know ur brother was using a bad vocabulary to our employee, I correct her and I told her our call was record and I can prove that my brother never use any bad language, She said I do n't give you the permission to record our call I said its ok we just want to bring this up for you to know how you people is working But as well as the other rep, sounds like she do n't care about it and my brother is not the only on e that complaint about this company they are so rude Hope you can call as customer and see how they answer or help you

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCB Management Services ( " NCB '' ) continuously made robocalls with a prerecorded message of debt collection and for the receiving party to dial an extension. In this matter, I am the receiving party of the communication. I have demanded NCB representatives to ( 1 ) divulge all alleged debts, name of the creditor, the amount of the debt, documentations representing an existing debt ( 2 ) stop all telephonic communications to my home and cell phones ( 3 ) confirm the name, address, and other information of the debtor NCB alleges a debt is present. NCB representatives refused to provide any information as per my demands. Furthermore, their representatives demanded I divulge personally identifiable information such as name, address, and social security number which I refused. NCB refused to stop all communications even though they were told on multiple occasions to stop calling. The last call was on XXXX/XXXX/2016 at XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Cavalry Portfolio Services contacting me, calling me and my family members and sending me letters regarding {$1200.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors.  My concern is if I settled all of my debts and continue to make payments with the credit cards ... why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

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 10/21/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XX/XX/XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XX/XX/XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a four way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XX/XX/XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX-XXXX supervisor return call, and still have not received one.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (PA).
Issue: Problem with customer service

Complaint: I am a consumer affected ( by Equifax XXXX website report ) by the Equifax breech. They directed me to sign up for free for their Trusted ID. Yet when I attempted to do so, the log in page showed that someone had used my email to do so already ... .and that my birthdate and Social did not match. After a month of contacting Equifax about this ( see attached emails ) I still Can not log into Equifax XXXX TrustedID site, nor can I get a password reset.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On  XXXX   XXXX ,    2017  I submitted an application for " Closed School Discharge '' and an application for " Attestation for  XXXX   XXXX   XXXX   Students Application  for  XXXX   XXXX  to Repayment Loan Discharge '' via certified mail. In the  XXXX  to Repayment application I selected the option to place my loans in forbearance while the application was being processed. I have not heard anything from the Department of Education in response to my applications. On  XXXX   XXXX ,    2017  I was notified that my federal tax return was being offset {$1300.00} for these loans. I do not believe that this offset was proper, as my applications and my request for forbearance pursuant to Department of Education policy were submitted well before this. This is greatly upsetting, as I was first misled by  XXXX , and now feel misled by the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with WELLS FARGO & COMPANY (KY).
Issue: Late fee

Complaint: I took out credit card through Wells Fargo to pay for engagement rings at XXXX XXXX. I never received paper statements, so I would just call and make payments by phone. when I called and made payments representatives of Wells Fargo would tell me my next payment was due in two months. At the time I found this a little odd, but had miss placed my contract so I continued to pay that way. Not receiving any paper statements or late payment notices this went on for about a year. Recently XX/XX/XXXX I called to inquire about my remaining balance, to my surprise it was very close to my original balance when I first bought the rings. I spoke with a supervisor at wells fargo and she said my balance was high because of my late fees and because I had missed their promotional one year no interest so XXXX % had been added on. I explained to her what I had been told on several occasions about paying every other month. Wells Fargo said that is not their policy and they were sorry if someone misinformed me. I requested that she look back through recorded conversations, ( which they warn about every time you call ). It took a week to get back a hold of this supervisor in which she said non of my transactions had been recorded. I took it upon myself to record our conversation as well as another Representative in which the XXXX have contradicting information regarding how my payments work. I thought about contacting cfpb, but then I decided I will just pay my remaining balance but then it jump up once again and I can no longer stomach them doing this to me or anyone else. I just want to pay what I originally owed.

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 07/22/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NJ).
Issue: Struggling to pay mortgage

Complaint: We have been trying to get a mortgage modification with CitiMortgage since XX/XX/XXXX. We filed bankruptcy because CitiMortgage was trying to foreclose on the house. In bankruptcy we have been paying the mortgage for the last 2 years. In XX/XX/XXXXwe had the taxes and homeowners insurance adjusted saving {$15000.00} a year to make the mortgage payment lower. CitiMortgage just keeps requesting the same documents over and over again. All documents are now sent in to CitiMortgage by our Attorney. Attached is a Letter from our Attorney and supporting documents.

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 05-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: in  XXXX  or  XXXX  I went to   XXXX   XXXX   for a  XXXX  friday cell phone sale. I purchased a phone in   XXXX   XXXX   (  XXXX  account ) I was told there was a 14 day return policy which has always been the case for cellphone users. Within the  XXXX  I attempted to use the phone but the service was so horrible most of the time I could n't. Within the 14 days i returned the phone to   XXXX   XXXX   and the representative stated to account was clear. Later i get a collection noticed saying i owe  XXXX  dollars for something i no longer own and returned to the store. I Spoke with the collection agency and  XXXX  directly and explained I returned the merchandise and was told i did n't owe anything. I also returned to   XXXX   XXXX   picked up a copy of the return receipt, forwarded it to both companies and was still told I owe the debt some an item that barely worked and returned. The collection company is called  XXXX   XXXX   XXXX . Date opened is  XXXX   XXXX ,  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 explanation