milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened an account with Citi bank with {$15000.00} for their promotional {$400.00} bonus. Their stipulation is I have to deposit and keep that amount in the account for 30 days. Then I needed to keep at least {$10000.00} in account for another 60 days. It has been over 120 days and I still do not see the {$400.00} bonus. I online chatted with their service rep two times. One rep said I should get it by XX/XX/2017 and another said by XX/XX/2017. I send this complaint because I do not think they will ever give me the money because their reps are not consistent with the days. I suspect they are just giving me the go-around with no definite answers.

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 10/16/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I had four items coming out of my checking account within 3-4 days of each other. One withdraw was for a automatic payment to my overdraft account for {$25.00} dated XX/XX/XXXX. Two withdraws were for {$180.00} and one withdraw at ATM for {$60.00} dated XX/XX/XXXXTwo of the other withdraws were for XX/XX/XXXX at {$25.00} a piece. One larger one for {$400.00} was dated for XX/XX/XXXX.At the time there was {$100.00}  left in account on XX/XX/XXXX and {$88.00} in OD account, plus a upcoming payroll deposit of {$460.00} dated XX/XX/XXXX.The checking account was debited the {$400.00} amount first causing the other debits to come up short and causing 4 - {$36.00} OD fee charges. Then within two days of this incident a payment for {$45.00} was withdrawn, and I was charged for {$36.00} for a NSF fee. 
When I contacted the bank they had no viable information on how this happened or why it happened. 
During this time I had to scramble to borrow money from family members to cover shortage and extra fees that would be accruing. The bank charges {$36.00} OD or NSF fees plus {$7.00} a day for four days after transaction. This would have wiped out my upcoming pay period not to say that I was short half a payday for the next three weeks paying back my relatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with Halsted Financial Services, LLC. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatening to contact my place of employment to garnish my wages without a court order. Telling me I 'm dumb and should just pay them. Continual calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMERCE BANK (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. Commerce Bank- Hard Inquiry XXXX XXXX- Hard Inquiry XXXX- Hard Inquiry XXXX  XXXX- Hard Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My credit report reflects a collection company trying to collect on a debt of {$2000.00} in which I did not owe that amount to the original creditor how are they collecting and reporting higher amounts of debt owed on my credit report. They cant collect the debt as the statute of limitation in california is 4 years and they has passed, I recently disputed this same information in which they closed the collection on my credit however it shows closed balance owed of {$2000.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have to have annual XXXX XXXX performed at XXXX XXXX XXXX XXXX. 
I am billed directly by XXXX XXXX and pay promptly each time. Since XXXX 2017 I have been harassed by a local attorney 's office that claims I owe {$12.00} to XXXX XXXX. 
I have called the law office and explained I do not owe anything and this is paid in full, provided proof of payment and even had XXXX XXXX XXXX partner XXXX XXXX 's hospital where the XXXX is done verify that I do not owe anything. XXXX XXXX 's has even provided me with a a letter saying my account is current and in good standing - which I have sent to this law firm as well. 
They simply do n't stop. 
So I am filing complaints here, and with the BBB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Consumer Loan (Installment loan) with Armed Forces Loans of Nevada Inc. (VA).
Issue: Managing the loan or lease

Complaint: Armed Forces Loans of Nevada I contacted them told them I am retired unable to pay. They ignored the situation. Also they keep doing hard inquiries into my credit when I did not give them permission to look on my credit report they do not have authorization. They also failed to abide by the soldier sailor relief act. They are scam artists charge high interest rates and should not be allowed to lend to XXXX ARMED FORCES retired or otherwise. Please force them to remove the hard inquiries and remove all bad reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Application, originator, mortgage broker

Complaint: This is a dispute to complaint XXXX, something is wrong with the page. I was contacted to be informed that they needed more time to complete their work and it would be another week. I then told them to continue to respond to me in writing. This is the reason it want them to respond to me in writing, so it wo n't be any miscommunication. Ask them to play the recording. Assessed value, nothing. from XXXX till now I have only received one tax bill and that is for XXXX. It is classified as a business. Escrow questions, prepaid amounts for HUD insurance, prepaid amounts for PMI insurance, no explanation,. They are still researching the title issues, the second mortgage to the city of XXXX, and the initial appraisal value. The mortgage co have had this loan since XXXX, I filed this complaint in XXXX XXXX, its very apparent that they are not going to answer my questions. Still waiting on answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I recently got a call for a debt that is past the limits to be reported collection agency collecting for household bank says I owe but this does n't show on my credit report is there any way my rights are being violated since I have not received any letters from creditor or collection agency since 1999 and it 's been over XXXX years since this debt was removed

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My mom wrote me a check from an account she had been saving for me for college. It was a CD account so when the CD closed it transferred to her account. There was a mix up and the bank closed the account and sent my mom a check. My mom did not know this when she write me the check so it ended up returned. When I found out I tried to call the bank to catch it before anything happened, but by then they had frozen my account. I called a few times to get this resolved and kept getting referred to other departments. Now today  XXXX . XXXX .2017 I went to the branch to see what can be done. They told me the account can not be reopened, however I found out that they 've flagged me as fraud. Bear in mind no one from the bank called me to let me know this is what happened even after several attempts to find out what 's going on. This is not fraud and I can not believe Bank Of America would just close my account and flag it as fraud without finding out what 's going on. I just graduated high school and heading to college, what do I know about fraud? I strongly believe Bank Of America should confirm before destroying people 's history by labelling them as fraud. This will seriously affect me at such a young age and whereas i know they have the right to close the account, they should not be allowed to just use fraud as an excuse. I have paid the balance owed and would like Bank of America to remove that red flag from my history. Thank you.

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 11/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I submitted all of the required documents to have my income based student loan to be processed, and then I was told that the person who helped me had made a mistake. And, that I needed to submit more documents because the documents that I had submitted had expired. The process that the company has sent me through is mentally draining. The employees are incompetent and full of wrong and misleading information. My loans are constantly in forbearance because of the rigorous process it takes to recertify my income based loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are XXXX loans that I DID take out in my name but there are XXXX loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XXXX XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of 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 02/27/2016 about Credit card () with REGIONS FINANCIAL CORPORATION (NC).
Issue: Advertising and marketing

Complaint: I applied for a card with higher credit limit and was offered a card with a lower limit. During the application process I was told by the banking manager that my application needed further review to clear a credit exception. At that time, I was told my the banking manager I would be approved because she has a relationship with the underwriter due to the credit issue being mine. It was a minor collection that was misreporting ( currently now being disputed ). The issue is I was told by the banking manager that I would be approved for the original card request however approved for a card with a lower credit amount and features.

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 04/20/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: banking promotion is not applied although all conditions met, incorrect information relayed through secured messaging. At times I 'm referred to their internal marketing area? not sure why I need to contact them. Requested escalation and referred that I visit the local branch which is not convenient to visit -I commute for work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had my my personal information stolen a few years back and accounts are in my name that I did authorize or was aware of of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA fo  rm is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

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 07/30/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NJ).
Issue: Trouble during payment process

Complaint: Requested onXX/XX/XXXX that my insurance be removed from escrow account. Provided written documentation that I had changed insurance companies, provided new insurance company name and policy number. XXXX statement included insurance in escrow, so I paid in full. XX/XX/XXXX requested update and responded to a XXXX  appraisal stating property only worth XXXX with a XXXX appraisal showing XXXX value. Received XXXX mortgage statement still requesting the insurance payment included in escrow, though I also received a letter on XX/XX/XXXX from Loancare LLC acknowledging my new insurance and stating it is my responsibility to arrange for refund from previous insurance company.

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 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
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: I made a purchase of {$86.00} on my Capital One credit card on XX/XX/XXXX. I received my statement from Capital One for XX/XX/XXXX-XX/XX/XXXX with a XX/XX/XXXX minimum due payment of {$25.00}. On XX/XX/XXXX my wife made a {$40.00} payment ( late ). On XX/XX/XXXX my wife made a {$40.00} payment of which Capital One posted to the wrong account and Capital One charged me a late fee for posting my payment to the wrong account. My wife made a final payment was {$31.00} ( $ 6.59+ {$25.00} late fee ) for a total of {$110.00} and wrote " PAID IN FULL '' on the check. That is {$86.00} plus one late fee of {$25.00}. Capital One cashed the check. On numerous occasions I had told Capital One to contact my wife and talk to her regarding this issue and Capital One refused to do that. I am a truck driver and I can not talk on the phone while I am on the road. My wife has tried to talk to Capital One numerous times from XX/XX/XXXX to  present. Capital One refused to talk with her even with my permission. I filed a complaint on Capital One XX/XX/XXXX with the Better Business Bureau, ID # XXXX but Capital One continues to bill me for {$140.00} in late fees and finance charges. I don't feel as though I owe Capital One anything else. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Struggling to pay your loan

Complaint: In XX/XX/XXXX, I contacted One Main Financial. I contacted them because after paying them {$9600.00}, I only borrowed {$4900.00} from them in XX/XX/XXXX. My balance is {$8800.00}. Which after doing the math totals around {$18000.00} on a {$4900.00} loan. For them that is an investment of {$13000.00}. I used this loan to pay for my classes at XXXX XXXX through XXXX XXXX XXXX. I contacted XXXX XXXX who is my attorney. He has reached out to them for a settlement but they said they do not settle. I have a lien on my car with this loan, it is a XXXX XXXX XXXX ex with XXXX miles on it. It is valued between $ XXXX {$3000.00}. I have been doing business with them on and off since XXXX, they went through multiple names including, XXXX XXXX XXXX, Spring leaf Financial, and now One Main Financial. I am living paycheck to paycheck and this loan is a burden on me and my family, I am desperately seeking any and all help please. My attorney said they do not want the car just the remaining balance of {$8800.00}. It seems the more I keep paying them the worse the balance gets. My balance was the same this time last year. I think there is something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX XXXX My maiden name is XXXX XXXX XXXX comes up under my name for some reason and this person is not me and I want that name off my personal crdit info

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment beingXX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and transunion refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.

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 10-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, 2016, my mortgage was purchased by Ditech, LLC from XXXX XXXX XXXX. At the time Ditech purchased my loan, I was in the process of a loan modification with XXXX where I was in the midst of my three trial payments prior to the modification being finalized. Since Ditech has resumed responsibility for this loan, I have incurred numerous additional fees to my account due to their delay in processing my modification documents. Every time I contact customer service, I get a different answer from a different representative. It is beyond frustrated. I completed the modification tiral payments in XXXX, 2016, and continue to fight with Ditech for an accurate, final monthly payment. While Ditech has taken it 's time to finalize my load modification, my credit continues to suffer as Ditech is reporting my load delinquent. I have made attempts to make payments, and each time I call, I am told a different amount is due as a result of numerous errors, and delays on Ditech 's behalf. I have spent hours, upon hours on hold, only to be told to wait another 3-5 days for an issue to be resolved, only to contacthem them back and be faced with another obstacle. This company has deplorable customer service and lacks accountablity. I have done and provided everything this company has asked of me since they resumed my mortgage, however, I as the consumer have continued to suffer deleterious monetary and credit rating decreases due to this company 's negligence. It is XX/XX/2016, seven months since Ditech has been my mortgage lender and their continues to be issues after with my monthly payment amount. I have never experienced such subpar service from a financial institution.This company needs to be thoroughly investigated by the CFPB as they are grossly negligent in the way they process loans and modifications,, payment calculations, they do nothing timely, and I am sure they are out of federally regulated time frames, and other mortgage service obligations. Their customer service is extremely inept and promotes XXXX and frustration amongst borrowers that are trying to do the right thing to keep their homes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation