milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Advertising and marketing

Complaint: I received a XXXX platinum credit card which has a fee of XXXX/year. I was told that if I spent XXXX in the first XXXX months, XXXX would be taken off. If I bought something through their website ( via one of their partners ) or something directly ( plane ticket ), I would get the XXXX back. Therefore not paying for the card. I called to confirm that if I bought through their skymiles website that it would count as a purchase. I went to XXXX and got redirected to XXXX. I purchased a product, which since I have a XXXX close to my home I would n't have done if it was n't for the credit card offer. I did not get the credit back on my card. I emailed and chatted from their website. I was told that this was not the case. I was given misinformation. I would not have purchased through their website and most likely would not have gotten their card knowing that I needed to pay XXXX dollars. 

Your assistance is appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Debt collection (Mortgage) with Clay Chapman Iwamura Pulice & Nervell (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell is demanding payment of a debt and threatening to foreclose on a property that our singular marital entity ( " legal identity '' ), XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, holds paper title too. 
Another disturbing issue is that XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell, is conveying that XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, signed a promissory Note and/or Mortgage with XXXX XXXX XXXX, XXXX. ( " Lender '' ), on or about XXXX XXXX, 2006. Please Open Attachment.

Company response to consumer: Untimely response
Consumer complaint received 11-03-2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a graphic designer making {$31000.00} a year ( before taxes so closer to {$28000.00} ) with normal expenses ( food, rent, utilities, car payments, etc. ) and have not been able to get help on working out an affordable payment plan. My parents signed me up for these loans. Citizens Bank ( the loan company ) uses a service called XXXX XXXX for payment and are almost impossible to contact for help with loans. They allowed me to push back my loan payments by 6 months after I sent a hand written letter explaining that I can not afford the payments ( a monthly payment of {$530.00}, keep in mind I make less than a teacher starting out. ) I requested an income driven repayment plan so that I could afford to pay my loans off and not go bankrupt but they have been no help at all. Consolidation is the only option they will offer and I have to make at least 3 payments of {$530.00} a month before I can consolidate my loans and get my payments down to something reasonably affordable for a student right out of college ( I can only afford about {$110.00} a month. ) I do n't even have enough money to pay XXXX payments or I will go bankrupt and there is no telling what my monthly rate will even be after the consolidation. In the email provided to me by the payment collecting service that Citizens Bank uses ( attached to this review ) I am provided a link that does not exist. When I go to log into my account, I can not get in and can not verify who I am without providing a Debit Card number ( to which my debit card number does n't even work, and when I call for assistance I get put on hold for hours. ) I can not get any help on this issue and it will financially ruin my future if I can not. Also, I find it unethical that a loan company, private or not, would expect me to pay for every loan I 've taken out all at once, especially when I just got out of college and it took me 6 months to even find a job.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX This account in inaccurate, and then incomplete. 
1. Has an Incorrect Pay Status, and should Paid/Closed XXXX Balance 2. XXXX says was opened XX/XX/XXXX, and Closed XX/XX/XXXX 3. HAS Balance History for the duration of the time the account had been CLOSED through XX/XX/XXXX 4. HAS Payment History for the duration of the time the account had been CLOSED through XX/XX/XXXX 5. Is incomplete and inaccurate

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 07-02-2016 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Customer service / Customer relations

Complaint: I had a secure card with Wells Fargo where I had to pay them {$500.00} dollars for a {$500.00} dollar line of credit to establish business credit. I cancelled my account XX/XX/XXXX, gave the address to which the money was to be sent. I never got a check so I make it to a branch and checked to see what happened ( I live in a city with no Wells Fargo ). The check was sent to the wrong address the first time. They tell me there is no way I can get the check in the branch so I give the correct address and have it sent to me again. By XX/XX/XXXX, I still have no check, so I call to check and see what is wrong and they tell me it was sent to the wrong address again ; the same address as the first time. I can understand them making the mistake the first time but the exact same thing happened the second time, and they ( Wells Fargo ) still refuse to give me a check in a branch. I call customer service again and they say the only thing they can do is have another check mailed. Giving that I went through giving the correct address two separate occasions, once on the phone and once in person, and the check is still being sent to the wrong place shows something is wrong internally and I should not have to wait months and months for money I had to give to them the same day to receive service. {$500.00} is a decent amount of money and they are doing nothing from a customer service standpoint to help me get my money. When I call and speak to a customer service supervisor, XXXX XXXX, she tells me the only thing she will do for me is take the correct address ( for the 3rd time ) and have another check issued ( for the 3rd time ) .I am filing this complaint because the system Wells Fargo has for returning money to their customers is obviously flawed and they do not have a customer service department capable of actually helping customers when dealing with large sums of money. This is unacceptable, who knows what can come up in 5-6 months where having that {$500.00} can impact my life ; especially when I had to turn it over on the day I opened account to get service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AD Astra is reporting on my credit report in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a gym membership with XXXX in XXXX, PA. I then attempted to cancel the membership and was told I needed to stop in and not over the phone. I then stopped in and due to the manager not being there I was unable to cancel. I was told I could n't leave a letter, fax a letter, or email a letter. I was also told that I needed to speak with the manager as they were the only person who can cancel the membership. I found this unfair due to the manager being there at certain times. 

I did file a complaint with the XXXX who resolved the issue and I just needed to pay the last month that I owed, which was XXXX. I did make this payment, however the company still billed me. I was told it would take 1-2 billing cycles for their billing company to receive the update. In addition the company responded that they would waive the late charge in good faith. 

I have now received a collection letter from First Credit Services , Inc for the amount of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with CITIBANK, N.A. (NV).
Issue: Transaction issue

Complaint: I had a contract with XXXX advertising for my XXXX career. I cancelled the contract and followed the contract to the letter. Supervisors and everyone at Citibank that I had spoken with agreed that I followed the contract. However, they stated since XXXX 2016 that they are still reviewing my case after XXXX only gave me a partial refund. They shorted me some XXXX+ dollars. I continue to ask the dispute supervisors at CITIBANK that since they agree that I followed the contract, why was my money being held captive. They stated something to the fact that they have to wait to hear from XXXX about refunding my money. This is unacceptable and I have been charged interest fees and more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: I have verified all three of our trial payments were made and cleared. However, we are unsatisfied with the new payment ( {$1400.00} ) and will refuse the new terms because they include money ( {$880.00} P & I ) for escrow ; ( {$600.00} ) that is not required at this time. My taxes are under a  XXXX exemption, therefore payments for taxes were returned. A representative of Nationstar/Mr. Cooper stated that it is not the responsibility of the mortgage company to question why the taxing authority keeps returning payments. In the meantime I have sent proof of my exemption numerous times over the past several years, just to be told that we have then they do not have it. This information is being sent to the CFPB for response and relief.

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

Complaint: I have a home mortgage being handled by green tree. In XX/XX/XXXX I had surgery due to a military XXXX as I am a XXXX veteran. They never offered me a modification or any assistance with my mortgage all they did is blow up my phone and then put me into foreclosure. I paid them {$7900.00} on XXXX XXXX which is what they sent to me as a reins tangent quote. They only applied {$6300.00} to my account and no one can tell me where the rest is and when I paid I validated that it included my XX/XX/XXXX payment which now they are saying I 'm late on and it included my late fees which they still say I owe. I have talked to them XXXX times now since XX/XX/XXXX but no one can tell me where the money is or why it 's not been applied to my account. Please help with this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Fraud or scam

Complaint: I HAVE NOT HAD ACCESS TO MY MONEY SINCE XXXX/XXXX/15 WITH RUSHCARD. I CA N'T GET GROCERIES, PAY BILLS OR MOVE. THEY KEEP SAYING THEIR FIXING IT BUT NOTHING HAS HAPPENED BUT FALSE PROMISES. LONG WAIT HOURS ON THE PHONE, THEN LINE HANGS UP AFTER WAITING FOREVER. THEY CLAIM TO CALL YOU TO HELP YOU WITH THE PROBLEM BUT NOTHING YET. IM FRUSTRATED AND CRIED OUT WITH THIS PROBLEM. THIS CA N'T BE FAIR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with HOVG, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: i recently requested a copy of my most recent credit report. I noticed a collection account placed on my credit report that was listed as charged off and had been placed in collection. At this point i sent the collection agency a letter requesting validation of the alleged debt, because i was unaware of any outstanding medical bills that i owe, and i requested detailed break down. I also indicated in the letter that i am allowed under HIPPA law to protect my privacy and medical records from any XXXX parties. Because i did not give permission to have my file released. The collection agency then sent me a validation letter, with an enclosed statement from the original creditor 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 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has refused to send me validation of this alledged debt they are reporting on my credit reports. I sent them certified mail on XX/XX/2017 with no response to date. The tracking number is XXXX. It has been over 30 days and they need to remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Problems when you are unable to pay

Complaint: Yesterday I got a XXXX message from a cousin in another state, whom I, not even yearly communicate with. She writes me " Hey the police are looking for you, they keep calling you. '' I immediately thought it was a joke and responded with a laugh, telling her I think she has the wrong person. She responds saying, " No, they keep asking for ( my name ). '' A few minutes later I get a text message from my brother that shows where she XXXX messaged him stating, " Can you tell your sister the police keeps calling for her at XXXX house ''. Then I knew she was n't joking. I gave her my # and asked her to call me. She tells me that a private investigator from Texas has been calling her mom ( who I have n't spoken to in many years, lives in another state, and I would only know how to contact through my cousin - on XXXX ). She says this person has been calling a lot. Being XXXX mos pregnant, and not a criminal, I became immediately concerned -scared. She continued to tell me that this person happened to call when she was with her mom, and once her mother said my name ( married name that my aunt does n't know of ), she told her mom, that 's " -my nickname-! ". I was/AM completely embarrassed, humiliated, confused as to why someone was calling her for me, and scared of being arrested - especially with my XXXX. I remembered I got a call that same day from a Texas number. I told my cousin I would validate the number, and to give me the number she has. After getting off the phone with her I checked my voicemail. It was a person who said they were an " Investigator '', asking to speak to MY HUSBAND, and that he has a CASE FILED AGAINST HIM. Again, feeing sick to my stomach, I immediately called my husband, and then sent him a text. I eventually forwarded him the voice message I received. He later tells me it is a collector for Wells Fargo Dealer Services, and that he spoke with her last week, and made payments last week. I am highly upset that she would go through such tactics to get him to contact her. Though he is my husband, this debt has nothing to do with me, and to call ( harass ) my distant relatives - who I do not keep in contact with - stating the police is looking for me is EMBARASSING and defaming of my character! Why go through such tactics to get in touch with me??? It is not that hard to find me. No one gave her permission to call these people. I am angry! And how do I clean the situation up with them ... just tell them it was a bill collector calling for my husband? That he has been out of work for months, I am the only XXXX working, - oh, and by the way I am XXXX months XXXX! That is none of their business - and EMBARASSING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX ( XXXX XXXX, CA ) is charging me for advertising that I did not contract with them for regarding online listing for my business. Yearly, they call me to reinstate my contract with them. And, knowing that I was moving, I did not contract with them for the year XXXX. When I called them about the invoice, they refused to provide me with a valid contract or any other proof that I had a contract and that the billing was legitimate. The debt was first sent to XXXX XXXX and XXXX, and on XX/XX/XXXX I wrote a letter stating that I did not owe the debt and made a clear request that I be provided with proof of contract. The debt has now been sent to XXXX and I wrote them a letter saying that the debt is illegitimate and that I would require proof of contract. The amount that they state that I owe is {$580.00}. I need help resolving this matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: Today  XXXX   XXXX ,2017, I attempted to call the customer service line listed on my bill in order to pay my mortgage over the phone. What I got instead was some sort of scam with regard to a free gift requesting credit card information. Repeatedly I asked to be put throug h to SPS S ervicing located in  XXXX   XXXX   XXXX , Utah. I was told this was a marketing tool used to advertise for the company, and despite my objection due to a waste of my time. The perso n (   XXXX   ) p robably not his real name, continued to ask questions. When he got to the portion about me submitting money for the free gift I was due and I said no repeatedly. He hung up and aft er 15 r eturn calls was not able to get Customer Service in order to pay my  XXXX  Mortgage. This is more than just shady dealings. This is mis-representation, false advertising, and poor customer service. While I do agree that business has a right to advertising, this is not the way to do it. I feel that I have no way to contact the company that has the most important purchase made by me.     Please Help  XXXX   XXXX   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 04-07-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have multi complaints with Bank of America starting from XX/XX/XXXX. During this complaint process I have had too many " single points of contact '' to keep track of. I also have asked multi contacts to correct my Credit Report, where BofA says I did n't pay my mortgage. 
I received a letter from them in XX/XX/XXXX saying they would get my Credit Report corrected and they still have not done so. I also asked my most recent Contact person to look into before closing the last complaint w/ CFPB, which I was told that BofA believes they are correct and that I did n't pay or did n't pay on time. My Bank, XXXX XXXX XXXX XXXX, did some research for me and we are easily able to prove, again, that I did infact pay on time and in full. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (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: In XX/XX/XXXX, I called XXXX XXXX for our business account to let XXXX XXXX we terminated several employees and I did not want them to have access using the company 's gas card or XXXX to purchase gas since the employees no longer work with the company. The Representative for XXXX XXXX Customer Service department told me she had to reissue our gas credit cards and this would prevent the use of the card or XXXX to charge gas on our account. I received my bill and notice several unauthorized charges on our account. I ended up getting a Supervisor after making several calls to find out the Representative in XX/XX/XXXX gave me the wrong information. I requested a Fraud investigation on our account for the unauthorized charges made to our account. I told I had to speak to the XXXX department since the charges were made with a XXXX. I have now made 5 request to  have the charges from XX/XX/XXXX - XX/XX/XXXX unauthorized charges be investigated and XXXX XXXX and Citibank refuse  to look into the matter or send me the requested documents to sign to investigate the unauthorized charges. I getting harassing dept collection calls 3-5 times a day. I have accrued interest on charges I should have never charged in the first place or had to pay, because I notified XXXX XXXX from the very beginning. XXXX XXXX Account # 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 11-10-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I requested my electricity bill be paid by my banks bill pay program in the amount of XXXX. XXXX XXXX  XXXX did not receive that check on time causing my power to be shut off. I requested a cancellation of this check but I was informed that the process can not be stop. XXXX has deposited this check twice causing XXXX separate over drafts on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My name is XXXX., and I sometimes get up to XXXX XXXX XXXX cellphone calls and ( XXXX ) voicemails ( XXXX contacts altogether ) each day, from XXXX. I do n't know these people, and I do n't owe these people. They call me all day long, even when I 'm in the middle of conducting lectures with my college student 's, and It 's driving me crazy! 

I told them earlier today that I would turn their information over to the FBI, and I am starting first with your agency. 

If you have any questions at all, please contact me on my cellphone at XXXX, or by email at XXXX, and I will assist you in any way possible. 

Ever grateful, XXXX

Company response to consumer: Closed with explanation