milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Late fee

Complaint: I had a Macy 's American express card ending XXXX. In XXXX, XXXX, I made a purchase of a XXXX dollar. I have not received statement via email or mail of this charge so I soon forgot about it. Until today XXXX/XXXX/XXXX, I was surprised by a letter sent by Macy 's which indicating a balance. I was astonished to learn that because the balance has not been paid, a late fee was levied on every month besides interests charges, amounts to XXXX today. I immediately contact the customer service and indicating that I have not received statements. The representatives mentioned that they have been trying to contact me via the phone but they could not produce the email or other records of statement being sent to me. In brief 6 months time, a mere XXXX dollar balance multiplied 10 times to what is standing today XXXX dollars. 
If ones character must be taken into account in this matter, I have a stable job and excellent credit history that I am willing to produce ample proof. I am willing to paid for reasonable charge and interests accumulated due to my oversight but I can not understand how anyone could be punished by the levels of charges by Macy 's American express. I could not help thinking this practice is predatory in nature, and should be penalized and stopped before next victims.

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 06/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Shopping for a loan or lease

Complaint: XX/XX/XXXX- XXXX car loan for my spouse ( XXXX ) age XXXX since many yrs of hardship. Good income, job stability of 2yrs & cleaned up credit since XX/XX/XXXX bankruptcy filing which was paid off early. Dealer ran so many credit apps ( ding ) & ended with Ally car loan@11.95 % rate. Letter from Ally 3wks after having car that loan denied. Called Ally with being assured loan is ok. Payment of XXXX/mo & most is going to finance charges. Really??? 11.95 % interest. Scammers on minority people!

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 04-11-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: i purchased a XXXX vin XXXX from XXXX XXXX contact number XXXX they repossessed my car for none reason i have a contract the are wrong i have a contract i never miss any payment the are telling me because i do n't have any driver license or i 'm not legal and this country they take my car i 'm resident of this country but i do n't have any driver license only id i feel this is discrimination again my person my account number with them is # XXXX my name is XXXX please help me my contact number is XXXX the telling me i do n't have insurance i do have only excuses to taking advantage of me please help me

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, XXXX I charged {$990.00} on my Chase Visa for advance services XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MA. I tried to call and make an appointment from XXXX through XXXX of XXXX and utilize the remaining credit - {$660.00} out of {$990.00}. Unable to reach anyone for months by phone, I stopped by the location and found the owner, XXXX XXXX, in a vacant shop with files strewn everywhere. XXXX relayed to me that her co-workers had rerouted the credit card machine and taken advantage of her absentee management. She had to let everyone go and was closing the store. Her attorney called while I was present and she was clearly distraught. I asked her to look for my file and she could not find it. XXXX days later I called Chase Visa 's fraud department and asked the balance I was unable to use ( {$660.00} ) be removed since I was unable to collect the services. Chase VIsa sent a postcard months after I filed a claim ( attached. ) Chase Visa did not respond to my request until the following XXXX of XXXX. A rep from Chase Visa called and said they had contacted a woman at XXXX XXXX named XXXX who claimed she could honor the charge. In XXXX of XXXX, I went by the store and explained I had a remaining credit from prior management. I asked her to consider crediting the amount as I did not want to patronize the business, but she would not. She issued me a gift certificate for {$660.00} XXXX attached ). The next week, I called to set up an appointment. I got no answer. I dropped in person by again and a huge sign stated " Closed for Good '' was posted on the door XXXX attached ). I called Chase Visa fraud on XXXX XXXX, XXXX and told them there was no one to honor the charge. I sent a photo of the closed store and a picture of the gift certificate I was unable to redeem. On XXXX XXXX, XXXX Chase sent me a letter saying the charge would be honored and I had to pay the {$660.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Amerisave.com cheated me into signing up with them for low interest rate, I was asked to pay for Apprisal. But when the apprisal came it came at XXXX, when XXXX was showing at XXXX and I myself spent over XXXX over completing garden level basement. I felt the guys wantingly tweeked to offer me a loan and then get apprisal. It looks like they do this constantly for all customers. XXXXXXXXXXXX is the person and they knew for sure they were not going to offer the loan but pushed me to accepting the agreement using low interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Rewards

Complaint: I Been preferred customers with XXXX XXXX XXXX since XX/XX/XXXX. i used to have XXXX checking account and XXXX saving account ( XXXX joint account and XXXX personnel ) and XXXX XXXX XXXX XXXX credit card. 
basically i used XXXX XXXX XXXX for everyday life needs since XX/XX/XXXX. 
XXXX of my credit card ending with ( XXXX ) i sing up for a reward programs and i earn lot off point which is equivalent of XXXX $ it took me long way to rich this point ( i spent lot of money and time for it ). 
but suddenly in last XX/XX/XXXX .i receive a letter that my account will be closed by the bank decision. all my account was close i did n't have access to none of my account and i been told that i will receive a check for everything ( my money that i have in bank my funds ) but i never receive the money that accumulate in that reward XXXX $ til now ... 
i was under the shock trying to figure out why they closed my account after 7 years of banking with XXXX XXXX XXXX ... and i keep calling them to redeem my point to benift from the reward just to use it to pay my XXXX XXXX XXXX credit card. but i feel like it is not fair at all .they use the power to take my reward from me ... but i will stand for my right to get my right back. if they send me a checks for my funds they i had in my checking and saving account they should send me a check for my rewards. and they really XXXX a mess in my life cause i had all my bill set to my XXXX XXXX XXXX and i always had a good credit so they really make a mess in my credit reports because the closed XXXX credit account in the same time they really hurt me bad. since then i been paying my bank XXXX of XXXX XXXX i clear it out ( was payed off completely ) but i steel have a othere XXXX ( XXXX ) trying to finish to pay it all as well. so i really appreciate your help if you could help me to have XXXX send me a check or use it to didactic my credit card balence ( 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 12/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no knowledge of this acct.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: An OCC complaint is being filed on behalf of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX, NY. This complaint describes the unnecessary denial, the duplicity shown in negotiating the file, and how getting answers that should be disclosed immediately under federal law became a trial in and of itself, comparable in despair-inducing frustration. 
As Wells Fargo and its underwriters ' has seen fit to deny XXXX XXXX ' loan modification, by simply stating the loan was denied due to not providing valid documents. We have complied with this back and forth for some time, since XX/XX/XXXX immediately supplying documents as requested. Please note, XXXX XXXX attempted numerous modifications on his own, with the result of countless denials, DUE TO LACK OF DOCUMENTS, and no specific clarity to why they are requesting such documents. Ie : social security numbers for each tenant or photo ID for each tenant and countless bank statements or proof of address for each tenant. Explain this ridiculous and unprecedented RECENT denial. 
The Law Office of XXXX XXXX has made countless phone calls requesting updates on the modification review and was advised that more and more documents were needed. Not to mention, the last few mediation meetings resulted with Wells Fargo 's attorney remaining clueless on the fact that the loan was currently under review with Underwriters. We not only have to call and confirm that everyone is on the same page, but with each mediation visit, we feel compelled to supply proof that documents are being submitted to Wells Fargo. This is clearly a waste of everybody 's time. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process, including, XXXX XXXX, who had no clue of the process and XXXX XXXX, whom we never get a chance to talk to since the loan was assigned to her. Since then, I have escalated the file to the Executive Manager Department, currently speaking to XXXX XXXX, ext. XXXX. She too has no luck in finding the accurate answers to why the loan was denied for a modification. XXXX confirmed leaving messages for the Underwriter and one of the Managers- but to no avail. 
This denial comes with the unprecedented swiftness, and it is the belief that XXXX XXXX and his attorney representatives that is was handed down in haste, without due consideration, and without argument there was nothing in the way of explanation as to why Wells Fargo is forcing XXXX XXXX into a position where she will lose is home. This has been going on for five years now. All XXXX XXXX wants to do is go back to making mortgage payments to Wells Fargo with an affordable modified monthly amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Trouble during payment process

Complaint: Dear Sir or Madam, We have a conventional 30 year fixed conventional mortgage loan with Navy Federal Credit Union. We recently received a New Mortgage payment notice letter from them stating that our monthly payment is going up 27 %, and the monthly escrow increase went up 170 %. This has placed a tremendous financial hardship on my family and I.     In addition my closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and general ethical mortgage practices I had with  Navy Federal. Wh en we were in the process of closing the loan the  Navy Federal Loan  broker  XXXX   XXXX  stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop. The rates did drop and we contacted  Navy Federal se veral time to get a mortgage rate modification and the Customer Service department stated that we would have to wait a lot longer in our term for a potential rate modification. Completely opposite of what our broker stated while we were in the process of obtaining and closing the loan.     Primary this huge monthly increase of 27 % and 170 % escrow increase has placed a huge financial hardship and burden on us. In addition the fact we pa y two  annual property tax payments ourselves and they are increasing our monthly payment significantly we need your assistance to bring our payment manageable and  bring Navy Federal int o compliance on this pressing matters. Thanks for your attention in this matter.     Sincerely,  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 10-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (CA).
Issue: Getting the loan

Complaint: Hello, On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan thru their website. I provided my information but did not know a hard credit check would be needed in order to obtain a free quote. I was notified by XXXX that Rise had requested my credit report. I called into Rise Customer Service and informed them I did not know that I would recieve a hard check on my credit report since a soft check is normally the process for a quote. I then emailed Rise Customer Support and informed them to disreagrd my pending application and to remove the inquiry on my credit report since I did not approve this request. I have not heard from them. 

Please advise Rise to remove this hard check from my credit report and remove this pending application.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: New information based on CFPB XXXX. We sent a debt validation letter to Wells Fargo on this property, acct no ending in XXXX. This is the information they sent back which is included. Debt was not validated and they are still collecting the debt.

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 11-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Deposits and withdrawals

Complaint: While banking with Wells Fargo multiple fraudulent overdraft fees were placed on my account. I had previous called and checked the available balance in my account and most recent transactions to ensure that the money was available and all transactions were up to date. On XXXX/XXXX/2016 I had a available balance of XXXX, after spending {$5.00} to grab some food in my account multiple overdraft fees were posted for every transaction on my account. I have screenshots of the balance in my account before making my transactions. I immediately contacted Wells Fargo, no one would explain or provide assistance. Today I called Wells Fargo again to place a complaint, I spoke with ( XXXX ) who would like me speak with the manager but was adamant about making me pay the overdraft fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I WAS CHECKING MY CREDIT REPORT AND I AM I UNWARE OF THESE DEBTS FROM THIS COLLECTION AGENCY. I DO HEREBY REQUEST THAT THIS OFFICE PROVIDE ME WITH COMPLETE DOCUMENTATION TO VERIFY THAT I OWE THE SAID DEBT AND HAVE ANY LEGAL OBLIGATION TO PAY THIS DEBT TO ERC. Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed ERC {$410.00} OPENED XXXX XXXX, XXXX ERC {$350.00} OPENED XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to get my address updated. On 2 separate occasions a wrong address was added to my Equifax report causing me to not be able to access my credit file electronically via a credit monitoring system. I have faxed all supporting documentation via fax to XXXX as instructed by a representative that I spoke with on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm whether or not the information that I faxed in had been received. Then again called on XX/XX/XXXX and was told that my fax was indeed received and that a dispute would be put in to update my information. The confirmation I was given on XX/XX/XXXX shows a status of complete, but an incorrect address was updated once again. On my call on XX/XX/XXXX, I am now being told that the confirmation number I was provided was for an account by the name of XXXX XXXX which is incorrect as that was a dispute put in prior to my phone call on XX/XX/XXXX. I was told that Confirmation # XXXX was the dispute of my address which was done on XX/XX/XXXX and completed on XX/XX/XXXX. If that confirmation was indeed for XXXX XXXX then there is no way that account could have come back verified with 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.

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 08/15/2017 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: Account information incorrect

Complaint: I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life.
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 05/29/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Correspondence was sent t o ARS LLC o n  XXXX / XXXX / 2017  inquiring about a {$1700.00} medical debt reported to  XXXX ,   XXXX    &   XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t ARS h as never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for  ARS to contin ue reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation