milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hello, My husband and I opened accounts with Citibank pursuant to a promotional offer to receive XXXX miles. When I first applied, I was assured via a written communication that I qualified for the promotion and needed only to meet certain requirements. After meeting those requirements I was assured that I would receive the miles - again by a written communication. 

Later, however, I received a third communication that informed me that I would not be receiving the promotion they had already promised me twice, but instead that I no longer qualified. I asked Citibank to look into this, and a month later received the same communication that I did not qualify. 

This is all despite the fact that I received written assurances that the promotion applied to my account and that it would be honored. Citibank lured me into opening an account with them only to have them take back their promotional offer without warning and only AFTER promising me miles. Completely unacceptable. There is another word for it as well ... Fraud.

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 02-04-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Credit decision / Underwriting

Complaint: My wife and I have been trying to work with our mortgage lender to re modify our monthly payments. The process has been quite lengthy in comparison to what the lender originally told us for how long it would take. For some time we have been submitting documents in multiples because of reasons the lender has given, such as "they could not read a letterhead". or "they did not receive a particular document". Our personal file has grown to some size with everything we have sent to them at their request. Also it seems as though we have been assigned to someone different every few weeks. They claim to have made calls to us but we do not have any record of them calling. If we needed to verify anything, it was my wife or I making the contact. During this entire time, we have been instructed by the representatives of the lender to not make any mortgage payments until we receive confirmation of the re-modification. We are asking for the re-modification due to our serious change in financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with Terrill Outsourcing Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and when I saw a collection from National Credit Systems it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. I sent this to National Credit Systems on XXXX/XXXX/16. It 's been over 30 days and no response. What do I do? This is affecting my health and is XXXX. XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: I opened an account with Suntrust on XX/XX/XXXX in XXXX, Va in order to automatically deposit my Social Security and Pension monthly. At this point, I have an account with XXXX XXXX XXXX but recently moved to XXXX, Va and there is no XXXX XXXX XXXX. Suntrust opened the checking acct with no problems. I received my checks and XXXX debit cards with different acct numbers. When I called Suntrust about this, they told me to destroy XXXX card and the other was okay to use. I then transferred my Social Security and Pension to Suntrust. About a week later, I received a call from Suntrust saying they could not keep the account open with no explanation and I would receive a letter and my deposit in the mail. This did not happen. I changed my fund back to XXXX XXXX XXXX. On XX/XX/XXXX, I went back to Suntrust to find out what happened. They told me there was nothing wrong with the account, it was active and they could see no problems with accepting my deposits. I made a small deposit to test the system and no problems. I then transferred my Social Security and Pension back to Suntrust. The following week, I called Social Security and Pension and transferred back to Suntrust. On XX/XX/XXXX, I received a call from Suntrust saying they were closing my account again but did not know why. I then called Suntrust Corporate and talked to them. They also could not see a problem. I was told to go back to the branch which I will be going tomorrow. This situation has caused me to having health issues. I am a senior and have been XXXX since XX/XX/XXXX. I don ; t even know if I want the account now but it is the principal of the matter and feel I have a right to know why I 'm having this problem, not to mention having to call Social Security and my Pension and redirecting my info over and over again. No one should go thru this to open a checking account. Please help me solve this problem. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: in XX/XX/XXXX. 2015, began trying to rebuild my credit. so, I paid off XXXX of the XXXX delinquencies on my credit report. These XXXX delinquencies were medical bills owed to the emergency room at the XXXX hospital XXXX. XXXX for XXXX $ and XXXX for XXXX XXXX the debts were paid to XXXX. on XXXX XXXX, 2015. Since I paid these debts, they have been sold to XXXX different companies and shown back up on my report. I have not been able to raise my credit due to these reoccurring unowed charges. please remove this from my credit and make it impossible for this crooked company to sell the debt to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, my name is XXXX XXXX XXXX. Here 's the issue - I have a delinquent credit card with Wells Fargo. About 15 years ago, I opened a checking account with Wachovia ( account ending XXXX ). My sister, XXXX XXXX XXXX was added to my checking back 12+ years ago for convenience. I branched off and opened a different primary checking with another financial institution. Subsequently, around XXXX or XXXX, I opened the now delinquent credit card ( account ending XXXX ) and was pitched to open another checking account with Wells in order to receive the Wells credit card. Unfortunately, a divorce caused me to cancel the primary checking w/Wells Fargo and then began to struggle with credit card payments. For more than 12+ years, XXXX XXXX has maintained the Wachovia checking account ( account ending XXXX ) and has remained in good standing. I do not have access to the account ( no debit card, no related transactions whatsoever in more than a decade ). She has had direct payroll deposits into this account and all her financial dealings through Wells Fargo. On XXXX/XXXX/XXXX Wells Fargo took her entire paycheck, forcing her into financially compromising position. Wells justified its actions by stating because I was listed as primary on the checking account, it has full authority to take my sister 's funds to pay my debt. She has been an excellent customer for Wells Fargo. Wells was very clear that they were not taking XXXX funds, but XXXX entire balance plus her payroll direct deposit. This is not a fair or ethical practice. They have crippled an honest customer that never had anything to do with the delinquent credit card. She never had a card in her name or made a single charge relating to this debt. Now, however, she has been punished. What type of recourse do we have? Should we get an attorney? Wells ' ethical statement reads : Wells Fargo 's reputation as one of the world 's great companies for integrity and principled performance depends on our doing the right thing, in the right way, and complying with the laws, rules and regulations that govern our business. We earn trust by behaving ethically and holding all team members and directors accountable for the decisions we make and the actions we take. The Code of Ethics and Business Conduct ( PDF ) serves to guide the actions and decisions of our team members, including executive officers, and directors consistent with our company vision and values.

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 09/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NV).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have been trying since XXXX XXXX to close my XXXX husband 's PayPal account. I was informed he has a balance of {$690.00} in the account. I contacted PayPal Customer Service and was informed I needed to send documents ( i.e., XXXX XXXX, my driver 's license, document naming me as trustee/executor, etc. ) to FAX XXXX. I made several attempts to FAX these documents and when I followed up I was informed the documents had not been received. I wrote a letter in XXXX, XXXX describing all my efforts to FAX the documents. I only received another e-mail saying to FAX documents to XXXX. I also made a complaint to the Federal Trade Commission, Reference # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2015 about Debt collection (Medical) with J&L Collection Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collections agency continues to place harassing calls to myself & wife, and send additional threatening correspondence in order to collect on medical bills already paid to the provider of health care services. 

Attached : Bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2015Attached : Check payment, XXXX XXXX 2015 and cashed cash ( reverse ) with bank details of presentment XXXX XXXX 2015Attached : correspondence from J & L Teamworks dated XXXX XXXX 2015Phone calls continue to this day..

Company response to consumer: Closed
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with The Phoenix Recovery Group (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Phoenix Recovery Group which is not registered in the state of Florida to collect debt which is a violation " The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. '' I contacted the company several times and I am also in the middle of disputing this with the credit bureau. This company that is not even registered in the state of Florida to collect debts, which is a violation. Is trying to collect a debt that is not mine. I have told them countless times and provided documents that the credit bureau sent over and they still try and say that this is my debt when it is not. I do not owe XXXX XXXX XXXX XXXX. I owe XXXX dollars. They have been sent the intent to vacate letter that was signed by the apartment complex and show my balance as XXXX. This is very frustrating dealing with them and rude staff. I have let them take advantage long enough, They told me on a recorded call, " just send over the intent to vacate letter showing no balance at move out and we will remove this from your credit report. '' That was a lie! they still have not done so! I verified on XXXX XXXX XXXX that they are not registered. Not only are they harassing me about a debt that is not mine they have not right to even collect debts period in Florida!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: None of my Federal loans are in default and I had no idea they have been that way for the past three to five months my private student loans have been in default for over a year and they never sent me any documentation to let me know and now the turn my credit score down to XXXX and I have no idea that I could get that low. So now I ca n't even get a loan to get an apartment so I can get my own place. I think because they defraud me of my education in the classes were so poorly managed that they should just eat the loans that they have for me and wife might get out of my student loans completely. Oh yeah I went to XXXX XXXX by the way

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuous attempts to collect an unverified debt after agreeing to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: Chase Bank is inaccurately and incompletely furnishing information regardingthe one and only Chase Bank Credit Card listed on my report to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which Chase is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Repayment plan increased my payment

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I do n't know where to start with OCWEN. The XXXX and the Attorney General 's Office tried to help me but apparently Ocwen stuck their nose up at them. The most recent problem is that I sent over {$7000.00} dollars in payments to them because Ocwen holds on to the payments then charge a late fee. They were n't cashing the checks so I did n't know if they were getting all of them. They got all of them, cashed them, and kept the money. They gave a justification for keeping my money and refuse to apply it towards the next few months. I do n't have any money left and I need that {$7000.00} back, or I will lose my house. I am in tears, desperate and do n't know where else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I recently had a lease vehicle repossessed by   XXXX   XXXX   XXXX   out of  XXXX , MI. The fellow who repossessed the vehicle stated he knew my nephew and such. I was cooperative and was not at all angry. I did today receive news that this agent went to my nephew and told him he had repossessed my truck and was looking for my wife 's truck. My property is posted no trespassing which he violated as well. My problem with them is that they violated my privacy by telling my personal business to people. What is my options for recourse with this agent and company?

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: According to the  Overdraft Protection Law as of   XXXX   XXXX    , 2010 the def ault setting for a checking account must be a rejection of transactions by the bank if the checking account lacks sufficient funds. Bank of America has not adopted these rules, and has consistently charged me overdraft fees over the past couple of years. The bank has been charging me {$35.00} for each time and not rejecting the merchants transaction.

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 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (WA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern, Here is a summary of events on the house my ex-wife was awarded in our divorce over 10 years ago. However the loan was in my name. House payments were behind for several years, Attempts were made by me several times to bring the house current for her. At one point we got a notice to pay current from the mortgage company with an {$8000.00} or so figure with a time limit to pay. We sent off a bank wire transfer with in the time frame. Two weeks later the funds were returned to the bank and we were notified of an error and that they needed almost {$12000.00}. 
After this we tried several attempts through the mail system to do a " loan Modification '' directly with the bank. Each time we were told we filled out the papers wrong and had to start over. We did this 3 times over a 2 year period. 
Then in XXXX we started going up to XXXX, XXXX, to the XXXX XXXX Help Center. We filled out the Loan Modification papers there. 4 times we had to start over. Again we were told some of the forms were not filled out correctly, EVEN THOUGH THEIR OFFICE IS THE ONE THAT HELPS US FILL THEM OUT. This went on for an additional two years till XX/XX/XXXX then they switched our " LOAN SERVICER '' to XXXX XXXX XXXX. 
We had to start over on the loan modification forms. XXXX XXXX we were continuing to get requests for additional information through XX/XX/XXXX. On a phone call to XXXX XXXX servicing XX/XX/XXXX, we were told that we should not be getting any notices because they had already foreclosed the property through a sheriff 's sale XX/XX/XXXX. At this point I quit trying to help my ex-wife as it seemed it was finally over with knowing the foreclosure had occurred. 
My credit began to recover and XXXX XXXX quit reporting to the credit bureau 's any late payments on my Part. Then about XX/XX/XXXX they began reporting me as late payments again. I disputed it and it was removed. But then it showed up the next month and every month since then. And my credit score has dropped more than XXXX points. And I just got a notice from XXXX XXXX that they decreased my credit line due to a recent late payment account. 
My ex-wife was again served a Sherriff 's eviction at the end of XXXX XXXX, and XXXX XXXX XXXX took possession of the home and put a lock box on it. I spoke with them directly on Friday XXXX XXXX, XXXX and they informed me the initial foreclosure was done improperly and so they were having to go through the process once again. I however now did not receive any paperwork or notification and was told that I no longer was a part of the loan. I did not quite understand but accepted it as this was what I wanted to be the case. Now in XXXX they again are reporting this as late and again showing on my credit. This needs to stop. 

Sincerely, 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 01-01-2017 about Debt collection (Medical) with Team Recovery Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was physically hit by a car in XX/XX/2013 hit an run accident. Currently in a lawsuit for this case for medical bills, injury etc. Tried contacting medical professionals about the solution but no response.

Company response to consumer: Closed with explanation