milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a Wells Fargo mortgage modification package which is not in line with what I agreed to verbally with XXXX of Wells Fargo " home preservation specialists. '' I have already filed a complaint with CFPB ( complaint number XXXX ) because I did not feel comfortable with the vagueness of the Bank 's statements, but the complaint was closed because they provided a convenient generic response and I had no way of knowing whether or not they would act in bad faith. Instead of providing me with a fixed-rate loan, they sent me documentation for a new predatory loan ( adjustable-rate baloon ), not unlike the one I was lured into in the first place ( please see attached, specifically page XXXX ). The Bank seems to be setting us up to fail again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with United Consumers Inc (MD).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I'm a XXXX XXXX XXXX and became sick. I went to the hospital and check out. I gave them my Medicare card for insurance. I check my report and United Consumers appeared representing XXXX XXXX XXXX. I called them said they used the card for Medicare, That's wrong. They didn't want to hear it and reported it. This is effecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: My home was completely destroyed by flood on XXXX XXXX, l was told by my insurance adjuster that they would contact Chase ( my mortgage carrier ) and arrangements would be made so l would not be expected to make further payments in lue of the mortgage being paid off. My insurance company sent several emails requesting information to process this interaction, but no response was ever received from Chase. Upon my request to contact my insurance company, Chase refused to respond saying that the insurance company did not need any information from them to expidite the payoff. Upon a phone conversation in which my insurance adjuster made to Chase, they explained that email was not an accepted for m off communication for them and all interactions had to be submitted by way of fax. No contact was made however by Chase to either myself or my insurance company to relay this information and so they ignored any requests that had been made by myself and the insurance company for information relating to my situation.l then made phone calls to Chase to explain the situation at which time after more than an hour and a half on the phone and being transfered to XXXX departments, l was told l could only avoid being reported as delinquent to the credit department if my payment was made before it was more than 30 days past due, which at the time, l was hopeful would be paid off by the insurance company by that time.After several calls to the insurance company and 3 more phone calls to Chase requesting ANY options available to me to avoid a negative report, l was told there was nothing available to me to help my situation. On XXXX XXXX l made one final call to Chase to try and work out any kind of arraingment, l was then told that a mortgage assistance program had been available to me since the beginning and had been set up to assist victims of the flood with exactly this problem! Had l been informed, a simple form should have been filled out and l would not have been responsible for any further payments until the insurance company satisfied the loan. Of course l was told that it was too late to fill it out then because not enough time was left to submit it before the end of business that day when they would be submitting not a 30 day delinquency, but a 60 day one, which they did ... Now that my mortgage is paid off and l am starting over, l must apply for a loan to rebuild a mew home, but probably will not be able to get, due to a drop in my credit score in excess of XXXX points. If our financial institutions have this little regard for people like me who maintained a perfect payment record for over 13 years to them, and because l was a victim of a natural disaster, l am being punished and mistreated, and inevitably will be the one to pay a very high price for THEIR incompatance, then how are we supposed to have any faith in the " system '' or in our governing bodies!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016, my ( now closed ) account ending in XXXX was breached. Not by a someone impersonating me, but by the teller at Chase - at their XXXX branch in XXXX. I live in XXXX XXXX, XXXX 

After taking XXXX out of five days off work to resolve this issue, I was specifically told by a Chase employee here in XXXX ( I have recordings of said conversations ) that the ONLY way for someone to withdraw money in person is by A ) either having a debit card, which they did not have. Or B ) by providing a valid form of ID, which the person did. It was not a fake ID with my face or name it, it was their real ID. I have since discovered the person 's name, XXXX XXXX. CA ID number XXXX. 
When presenting solely an ID, it is then up to the teller to VERIFY that the person and banking info match. This is done by verifying they 're address, name/ID number, or social security number. Clearly, none of these steps were taken as the teller then provided MY account information and handed him a withdrawal slip of {$1100.00} from MY account. 

Now, I have since been told by your executive office that this is all covered under your Deposit Account Agreement, which I signed. On that note, I would like to point out that I have thoroughly read said agreement and it specifically says you are covered when it comes to " Fraudulent transactions, '' more specifically : " Although we attempt to identify and prevent fraudulent transactions, we have no duty to you to determine whether any check you deposit or cash is forged, counterfeit, altered, improperly endorsed or otherwise improper. '' Clearly, there was no attempt at a fraudulent transaction when it comes to my case. It was the teller who provided my account information, therefore the error was ENTIRELY your- the bank's- fault. 

Even under article XXXX, " Rules Governing Your Account, '' you use the term FORGED. No signature was forged, therefore said agreement is no longer is valid and you are, in fact, liable. It was the teller who provided my account information, not the other way around. You said to contact you with new information, and I have. 

I stick by my original request for compensation in having my credit card paid off. On top of that, I ask to be credited for the week of work that I missed. The amount being, {$1200.00}. 

XXXX XXXX, I have tried contacting you twice but you continue to stonewall me. Know that I have recorded conversations with all the Chase employees I spoke to and who openly admit this is entirely the bank 's fault and should not have happened, and that the appropriate steps were clearly not taken to verify my identity. I expect a prompt response, and for my requests to be met as swiftly. If not, you have left me no choice but to go the legal route. 

Thank you for your time. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 04-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to get my free annual credit report from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: During 2015, while XXXX with an XXXX, I made enough money to either pay the monthly payment on the mountain of student loans ( XXXX companies @ $ XXXX total ), or eat and pay rent. Navient ( or XXXX XXXX ) made several threatening phone calls per day indicating I should pay them instead of eat. They recorded all phone calls, but told me repeatedly that recording them myself was n't allowed. XXXX lady told me I should get another job or XXXX to make up for the $ XXXXmonth shortfall I was experiencing ( was already working XXXX50 hrs/week in addition to seeking gainful employment ). She also told me there was no income based repayment option. I thought those type of threats were illegal but did n't know how to pursue. Now that this lawsuit is being publicized, I feel that there is an avenue to pursue action against these unethical business practices. 
Another side issue that CFPB may or may not be able to help with : I 've been paying $ XXXX in interest payments per year for several years and the IRS allows {$2500.00} to be written off while filing taxes. This also seems unethical as any money that would be available to progress my consumer spending is double dipped by the government. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Advertising and marketing

Complaint: A few weeks ago, I signed up for the Citi ( XXXX ) XXXX XXXX XXXX Signature ( R ) Card. I got the card and notice, my signup bonus is XXXX points. I call Citi and say, how come I 'm not getting a XXXX bonus? The guy says I signed up with a XXXX link. I ask if there 's anything I can do to amend this. 
He says I have to close the account and reopen. This is fishy to me because then I would be ineligible, as I received an offer within the last 18 months when I signed up the first time. He assures me I will get the new bonus, I just have to do that. So I close it with him. 
A week later I apply again, this time making sure it 's a XXXX offer. I sign up and get the card, but I 'm then told I 'm not eligible because of exactly what I feared, I already signed up for a bonus when I applied the first time. I call Citi and they explain why I 'm ineligible. She transfers me to customer service. They understand what I 'm saying and after a long hold, say, " We 'll get you the right bonus but you have to re-open the account you closed. '' OK. 
I ask multiple times, " The bonus I 'm now eligible for is XXXX, right? " Yes, yes and yes. He says to not worry about the XXXX account I opened, he 'll take care of it. Well today I get a letter in the mail, " Thank you for re-opening your account, your card will arrive shortly. '' An hour later, I get an email I was " approved '' for the XXXX account. 
I have called back numerous times since then checking on the status of my account. Every single time, I get a different answer from a different person. I have been deceived by Citi and they continually do not honor the things they tell me. 
Now they tell me I have XXXX accounts and I can not receive a bonus offer on either XXXX of them. I am extremely dissatisfied and feel lied to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian, per the attached evidence, has programmed their automated dispute system to violate the FCRA.EXPERIAN is a scofflaw and thumbs their nose at the CFPB and federal law, the FAIR CREDIT REPORT ING ACT.THE CF PB CAN VERIFY BY looking at the attached evidence that every single dispute was not frivolous and legitimate.Experian wants to deny my rights to have accurate credit reports because it costs them  XXXX  dollars and strains their computer system that is not adequate to handle their  XXXX   XXXX  customers.

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 10/30/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has reported my account as still in collections on XXXX/XXXX/15 ; however, I paid the balance due in full on XXXX/XXXX/15. The first payment made was on XXXX/XXXX/15 in the amount of {$44.00}. The second payment made was on XXXX/XXXX/15 in the amount of {$130.00}. I am attaching certified documents from my bank showing that these payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (I do not know) with CITIBANK, N.A. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a Citibank account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a Citibank account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the XXXX limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.

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 10-02-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a collection listed on my credit report from Enhanced Recovery Company ( ERC ). I have not received information on this debt prior to it being listed as derogatory on my credit report ( s ). I attempted to contact the company via certified mail XXXX/XXXX/2017 to validate/dispute this account. Return receipt shows that my letter was received by the company. I asked the company to reply within thirty days. It has been more than four months and I have yet to receive a response. This debt should not be listed on my credit report or attributed to me in any way. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with CITIBANK, N.A. (NM).
Issue: Billing disputes

Complaint: XXXX friends and I were booked on a XXXX XXXX XXXX. Because of low water, XXXX XXXX XXXX refunded our money to my credit card. The total amount refunded was almost {$22000.00}. Viking transferred the funds on XX/XX/XXXX and XX/XX/2015. On XX/XX/XXXX I requested a wire transfer of the credit balance to my bank account. On XX/XX/XXXX I again requested a wire transfer. As of today, XX/XX/XXXX, the credit balance is still not in my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX I sent a letter to XXXX XXXX stating I called XXXX XXXX thru XXXX XXXX requesting my account be cancelled. I was n't able to cancel service myself with XXXX, due to their policy. I was able to cancel my service by turning off my XXXX and putting it another name, XXXX allowed this only because of my complaint. I requested a refund for the months mentioned for the difference between XXXX 's rates and XXXX rates. I also stated I wanted the following amounts paid to XXXX by XXXX:XXXX accounts reported on XX/XX/XXXXOpenAccount # 1 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXOpenAccount # 2 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXAccount # 3 $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXI contacted the creditor back in XXXX, XXXX sending in all documentation showing I have been disputing this issue. I received no response, I only know that this issue is not being resolved because this is now on my credit report, was put on credit report XXXX XXXX, XXXX and XXXX XXXX, XXXX. I made it very clear to XXXX via phone and correspondence I attempted to cancel my account for five months because it was very obvious I was being overcharged XXXX XXXX I submitted a complaint to XXXX XXXX XXXX 's ofice, XXXX XXXX XXXX XXXX .I filed a complaint with the NYS Public Service Commission XXXX XXXX, XXXX. I am refusing to take financial responsibility for a company that would not cancel my service and overcharged me for over five months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with Southern Oregon Credit Service, Inc. (OR).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: You balance as of today, XX/XX/XXXX is {$730.00}. I do not understand how my balance is at this amount currently, i have the court appointed paper work that shows the total amount subject to garnishment is : Garnishment amount owed : {$1000.00} garnished paychecks : X/XX/17- amount : {$270.00} X/XX/17-amount : {$310.00} The remaining balance should be : {$410.00}, so why is it currently alot higher? Please note per the state of oregon and court documents it states : Inserting items and amounts not lawfully subject to collection by garnishment may result in liability for wrongful execution. please explain as to why the balance is not reflecting what is being garnished, i want full details on the {$310.00} amount that is being added and for what purpose? I have uploaded documents verifying what i am saying and i have paycheck stubs as well to prove what i am saying is accurate. I need full details since you are refusing to send me a letter showing what my remaining balance is along with verification of the garnishment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with AR Resources, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I  XXXX   XXXX  am entitled to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a   XXXX   XXXX   work related accident. My  Union  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for over  18-months, s everal medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit  of a 180-day wr itten notice that after  the 180-day  notice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB   XXXX - XXXX -  XXXX   XXXX   agree ment of  2015 . All  medical collections m ust be removed immediately by all medical debt  collectors , and I must be send a  180-day notice, so my insurance can work on resolving all claims. REMOVE ALL MEDICAL COLLECTIONS A S MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Requesting Equifax, XXXX XXXX, and XXXX to stop reporting incorrect information on my credt report!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Consumer Loan (Installment loan) with Risecredit, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I applied for an installment loan through Rise credit when I was in a desperate financial situation and I am unable to pay back the loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Citibank closed my credit account without prior notification and this account closure makes me losing all of my points, which are XXXX points. Citibank said they can close my account whenever they want and they are not willing to tell me the reason they are closing my account. They also refuse to return the points to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation