milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: XXXX separate Wells Fargo Banks in XXXX, Texas refused to cash a check written on a Wells Fargo account and I have an account at Wells Fargo since 1996. The XXXX at Wells Fargo Bank located at XXXX refused to cash this check from XXXX, XXXX which was written from their WF account to me and I have a history of depositing and cashing those checks. I also had available funds in my XXXX account to cover said check. I strongly feel this is fraudulent on the bank 's part. The XXXX stated that he could not verify the funds but I know for a fact that the check had already posted as " verified '' from XXXX because the accounts payable department does that automatically when the check is written and I spoke directly to that department when the XXXX stated no one could verify the funds. The XXXX stated my only option was to deposit the check and wait for the funds to be verified.

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 04-04-2016 about Debt collection (Credit card) with CITIBANK, N.A. (AL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have a Platinum Citi card, and I missed paymebts due to unemployment. I contacted Citi cards to bring the account current. I was informed the account was being handled by XXXX XXXX. I contacted XXXX XXXX to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the XXXX and XXXX representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and XXXX representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted Citi Cards to make a complaint. They informed me that a payment was not due for three weeks. The XXXX XXXX representative is 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
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Unsolicited issuance of credit card

Complaint: Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX/XX/XXXX in order to get said miles that were promised. Very deceiptful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: the person calls every 2 hours during the day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: transunion would not delete wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Not only is it very hard these days to pay such expensive student loans with everyday living, but I feel I have called so many times since ive had my loans XX/XX/XXXX and it just seems impossible. The first couple times they were lowered but when I called XX/XX/XXXX they told me i could n't lower them and there was nothing i could do until i paid off my loans. I get it but a very high monthly payment on top of living in the US is not a easy thing. These company 's need to start working with the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: The loan company Specialized Loan Servicing located at XXXX XXXX XXXX # XXXX in XXXX XXXX CO has been carrying my loan for the past XXXX years. I have requested this company to provide me with a copy of all the records and documentation of my loan sinceassuming the loan from XXXX XXXX XXXX. I have submitted XXXX requests in writing, but the company had ingored my request and is refusing to provide the documentation I have requested. It is my understanding that financial institutions are requred to provide any and all documentation of any loan transaction upon request. SLS is completely ignoring me and refusing to respond to my requests. What can I do?

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 03-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Billing statement

Complaint: I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.

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 11-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Other fee

Complaint: I was haggled into a " sampler package '' of a time share with the tactic of being 0 % APR for the first six months on this credit card. This was after almost two hours of high pressure tactics. It was not only afterward that I regretted it but very much so a month later learning this purchase was at 18.99 % the bank informed me. They gave me a run around to get it fixed and it still is n't fixed. The first gentleman I talked to I vented my extreme frustrations on with learning about how I was scammed a second time. He told me to call XXXX XXXX and if they did n't work with me, he 'll submit the dispute. The second time I called with my Financial Advisor I learned they are partners with XXXX XXXX and sent my information to their customer care of whom can only be contacted by fax. I am completely unsatisfied with XXXX XXXX. I do not want this credit card. I do not want this purchase that was made on this credit card. My next step is to put a complaint against XXXX XXXX XXXX. The money lost below is not including the interest. I have not paid yet but so I do n't mess my credit up I will have to. I am going to fight my best to get out of this scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing information so I have the records to indicate my standing

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 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I 've been a wells fargo customer for over 10 years. Recently I got a wells fargo credit card and put a {$3700.00} tuition charge on it. I set up automatic payments and took a look the day the payment was supposed to be due ; by the end of the day it still did n't go through. Looking at the automatic payments page, it says it will only pay whatever the remaining balance is after any previous payments were taken into account, so I went ahead and made a manual payment in order to avoid the credit card late fees. This was on X/XX/17. The next morning i get notifications that my checkings account is overdrawn and multiple service late charges were posted to my checkings account. It turns out automatic payments ignored my manual bill pay and paid the {$3700.00} again. I called customer services and explained my situation, and they gave me a timeframe for this to be fixed. They also told me they 've escalated this to customer services. Their estimated date was today and the payment has not been returned. When I called customer services again they told me since the amount is large, they may or may not have to wait even longer to refund, nothing clear.

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 10/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX, behind on my mortgage, and so requested a modification in XX/XX/XXXX. I have completed the package and tried numerous times to send it in via XXXX XXXX XXXX ( Provided by Mortgage Company Ocwen ) for the last 2 days. All attempts failed. 

Last night I sent it in via my XXXX account. I have called Ocwen ( XXXX ) and can not as of Friday ( XX/XX/XXXX ) XXXX XXXX. CONFIRM RECEIPT. I spoke to XXXX ( Em # : XXXX ) and she advised me that she sent an e-mail to my " Loan Modification Specialist. " In calling today, I was for the first time alerted to the fact that my house is to be auctioned on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A set of my student loans are managed by XXXX. I had signed up for direct bill pay and had expected that my student loan payments were being made automatically, on-time. I recently signed on to XXXX website, to see that my account was delinquent. Although automatic payments had been made this previous XXXX, XXXX and XXXX, the automatic payments ceased in XXXX, XXXX and XXXX. I contacted XXXX and they said that they had canceled my automatic bill pay after some mail they sent to my home address was returned. I was never contacted about this cancellation despite XXXX having my up-to-date phone, e-mail and address information. While they have agreed to waive the late fees they charged me, they insist that the derogatory comments to be submitted to credit reporting agencies are valid. I disagree.

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 04/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Hunter Warfield on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Hunter Warfield still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Problems when you are unable to pay

Complaint: My wife passed XX/XX/XXXX. I was laid off a few months later. I wrote One Main Financial, along with my statement letting them know I could no-longer pay the full monthly amount and would like to renegotiate. I had lost my wife 's income, accumulated medical bills and now was living on just my social security. They ignored my request. I stopped letting money to be withdrawn from my bank in One Main 's name. It did n't take long for them to call me. Once again I asked to renegotiate. They said -I did not fall under their hardship clause. They kept calling me. I explained we would have to renegotiate or I would be forced to file bankruptcy. After several calls they said they would lower my rates to 4.78 % and cut my payments in half. However, I had to return to the office where the account was opened. Over 3 hours where I now live. After several more discussions I was turned over to their corporate office. I was to present proof of income and sign a hardship notice. I did so, in XXXX XXXX, Mo. which was faxed directly to their corporate office. Again I started getting calls saying they never received my information. Again they wanted me to go to the branch where I opened the loan, XXXX, Mo. and resubmit the paperwork. I called XXXX, explained I was 3 hours from them, an hour and a half from XXXX XXXX, Mo. where I was last sent refused to do anymore leg work for them to resolve this matter. Note, I contacted them before we ever got to this point. XXXX XXXX corporate called me the next day. asked me again to go to another of their branches and resubmit everything. This time I went to the XXXX XXXX, Mo. branch. I once again explained my position. I was told they could resubmit my paper work but would still be considered as a credit risk until I paid over {$1200.00} to be caught up on my payments. This is n't renegotiating! I did submit the paper work again, they lowered my rate to 8 % and my payments to {$150.00} per month for 24 months. At the end of this loan I will have a balloon payment for the remainder. I turn XXXX in XX/XX/XXXX. I doubt I will ever get this completely paid but will do everything possible to keep my end of the agreement. My complaints are simple, 1- I notified them early and before they contacted me so an agreement could be reached. 2- I did all the leg work driving hundreds of miles trying to get a branch that would work with me. 3- Once the loan was refinanced my credit should have been restored to a good standing. 4- They and their branches lied saying at times I never showed, which I did, found out they only keep out of branch paper work a few days. The same as calling me a liar. 5- Each branch gave me a different amount to pay to get out of the rears or get a lower rate. XX/XX/XXXX I let them into my account to remove a payment of {$330.00}, this month the payment should be {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This issue arose  in 2013 and I have my attorney contact this company for reporting this on my report without informing me of this activity which is against the law. I have never gotten any notices or calls from Hunter Warfield regarding this balance and they have no record of reaching out to me either. This was all taken care of in 2013 and  now it is resurfacing again without any notice from the agency again.     Please take this off my report as this issue has been resolved legally.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Problem # 1 XXXX, I received a letter from Carrington stating that my account was placed into a suspense account. I had spoken to XXXX reps from Carrington asking them what and why it was. They both replied that they had no idea because records showed I was on time on all of my mortgage payments. On my third call and after receiving another letter, I spoke to a rep who found out within a minute. She said I was short on my payment because of an escrow change. I told her that it was unfair that now I was charged a late fee for every month, but I paid the charges anyways that same day to clear this up. She told me I had to write a letter to Carrington Research to recoup any late fees I was unfairly charged. I faxed them the attached letter. They refused citing no valid reason. I tried to refinance, but it showed that I was late on my payments numerous times? Refinancing is impossible now because of the negative/late flags on my account. Problem # 2 In my XX/XX/XXXX statement there is a late charge of {$20.00}. I spoke to a rep in XX/XX/XXXX who told me it was a `` drive by inspection fee '' charged because they wanted to make sure I lived at my property. The rep said she was unable to give me any answers to any question, and that if I wanted any info that I was to write another letter and send it to their Research department? Again?

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I asked my bank, JP Morgan Chase & Co to close my deposit accounts, and open new ones because of Identity Theft I was dealing with, and suspicious charges posting to the accounts. When the bank never did this, I disputed certain charges made with the XXXX Debit Card associated with the account, which is a common and encouraged practice. The company subsequently, retaliated against me, and closed my accounts, saying I was at fault, despite my previous attempts to fix the situation. I have credit accounts with the company which have always been in perfect standing, and was a valued Private Bank customer, until this incident, which I believe was not appropriately dealt with despite my efforts. Now I am listed with my banker to not open deposit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (AK).
Issue: Loan modification,collection,foreclosure

Complaint: My mother lost her home to wildfires and shortly there after was diagnosed with XXXX, leaving myself to have to take over her affairs. I discovered that the property was in the process of foreclosure. I brought it out of foreclosure and was making the payments for my mother. In XXXX of 2014 she had to be placed in a XXXX which takes all of her retirement and social security income. I wrote a letter of explanation and requested the loan be written off as uncollectable, but was denied. There is no home, but the mortgage company is foreclosing on the land which was deeded over to me while my mother could still sign documents for herself. 
What can I do to resolve this matter and get the land released?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We continue to receive collection calls for a XXXX XXXX XXXX at our telephone number. We have had this phone number for 4.5 years. We have informed Sunrise Credit Services XXXX NY that this is not XXXX XXXX 's number. Each representative assures us that we will non longer receive phone calls and that our telephone number will be removed from XXXX XXXX XXXX 's files.

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 04-03-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have fraudulent activity on my Chase credit card. I reached out to them for help & they denied to help me. I hired an investigator to assist me who understands the banks rules & regulations. We sent the information to Chase Executive Offices for help & they sent a letter saying they still cant help me to return my money. We have documents showing the merchant is fraudulent & has been banned from XXXX Continents for fraud against U.S. consumers. 
I am a XXXX & a military vet. We wouls appreciate if you can assist in my case. 
We have all the documents to provide to you for proof of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Rewards

Complaint: I got the XXXX XXXX US Bank Credit card a couple years ago. Within the last year, the benefits for the card have been removed. I have paid the annual fee to receive these benefits. Specifically, there is a benefit to receive a free night with a points booking after paying the annual fee, and this has been taken away. XXXX XXXX is not living up to their end of the bargain, as I have paid the annual fee and am not getting any of the benefits. 

Here are some of the notes listed on their website : " Enjoy all of these benefits for {$75.00} Annual Fee " and the Bonus nights are listed as a benefit for paying the annual fee, hence, Bonus nights are a benefit of the annual fee I am paying. 

The language included in the agreement I signed up for states that I get the 2nd free night after paying the {$75.00} fee. US Bank/XXXX XXXX is not living up to their own terms & conditions. 

Please let me know any appropriate follow-up with CFPB or XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief