milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other

Complaint: Basically, I have XXXX balance on my card believe I may be the victim of stolen identity. 
I tried twice on or before XXXX/XXXX/16 I called Bank Of America, and had already sent them a check for XXXX they claim it was returned. XXXX XXXX has no record of this transaction. Bank Of America claims that the check was returned by my bank ( XXXX ) However, XXXX XXXX according to XXXX as of XXXX, today has no record of such. No returned check or even an attempt made to pay this rather large and noticeable amount. On XXXX/XXXX/16 I called BOA and gave them a payment of XXXX from my debit card.. The confirmation number given to me is XXXX. Still there is no record of payment. My bank XXXX XXXX XXXX XXXX has informed me that neither of these payments have even been submitted. 
Something is fishy Bank of America has gone so far as to charge fees for XXXX of these payments being returned. Neither payment had been returned according to XXXX XXXX I have an XXXX check missing as well as XXXX debit card payment which is missing I question whether or not I made these credit card purchases and respectfully request full disclosure of all records of this account as it seems I may be in fact a victim of identity theft.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with Citi Mortgage that was opened in XXXX. This was brought up because they pulled my XXXX Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.

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 08/29/2016 about Bank account or service (Checking account) with KEYCORP (OR).
Issue: Making/receiving payments, sending money

Complaint: My problems are presently with Key Bank : 1. My chip-embedded credit card is currently lost by Key. 2. I have no access to my checking account Key Rewards either. 3. Web Site instructions are a sham! 4. Neither Key local nor Key Headquarters nor miscellaneous Key Online bankers are adept to follow through, answer real questions sufficiently. They do not resolve problems this bank creates. This is intentional. Instead, Key bankers shuffle this customer ( I daresay thousands other customers, also ) to and fro, place this customer on endless phone " HOLDS '' ( while they confer with some other banker targeted to forward my call to next ). Once this is done, that banker simply begins the Recycle process all over. Their " poker-faced '' mouths express ignorance and ask customer 's reason for needing assistance. They replay the canned interrogation questions already answered. Once again, the customer must respond and reiterate the same personal details. [ My God! It is my opinion the banking industry itself is the biggest threat to stolen identities and stolen dollars. Industry bankers surreptitiously use their customers! ]

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: my loan was serviced through green tree servicing. and while in chapter XXXX bankruptcy I recieved numerous calls when I fell behind with my mortgage. Always made the payment but however, when I tried to explain to the servicer that as money was tight and the pay days fell different that I need more time. I recieved phone calls till late up into the night. even so to tell me that i was already in bankruptcy i might as well go ahead and give the property back or they were gon na forclose on me. as the continued daily the stress of the horrible phone calls influnced me to give the property back to them and add it to my bankruptcy. As I am hurt that i had toogive my home up I was pressured to do so

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ILLEGAL FORECLOSURE AGAINST OUR HOME ... AUCTION SALE XXXX XXXX, 2016. PLEASE HELP! 
NATIONSTAR MORTGAGE LLC- THE SERVICER TURNED " LENDER-ASSIGNEE-MORTGAGEE '' WITH NO MATERIAL PROOF ... ALLEGED LOAN ACCOUNT RECENTLY DISCOVERED TO BE LEGALLY NON-EXISTENT ( DELETED BY XXXX BUREAU FROM XXXX XXXX CREDIT REPORT IN XXXX 2016 ) ... FAILED DEBT VALIDATION REQUIREMENTS -- WITH MULTIPLE VERSIONS OF THE AMOUNT OF DEBT, AND THE IDENTITY OF THE HOLDER OF THE BENEFICIAL INTEREST ... .SUBJECT TO COLLATERAL ESTOPPEL AND WAS ISSUED A CEASE AND DESIST PENDING DISPUTE OF ALLEGED DEBT ... .YET, BLATANTLY IGNORES EVERY FEDERAL AND STATE STATUTE ... '' AND MAKES CLAIM THAT ITS COLLECTION EFFORTS ARE OUTSIDE OF DEBT COLLECTION given it is foreclosure-related.. '' RECORDS THE UNLAWFUL NOTICE OF DEFAULT THAT IS BEHIND THE FORECLOSURE AUCTION SALE OF OUR HOME ON XXXX XXXX, 2016 ... WITHOUT AN IOTA OF MATERIAL PROOF TO THE RECORDED FORECLOSURE INSTRUMENTS PURSUANT TO CA CIVIL CODE 2924.17. 
PLEASE FIND ATTACHED. ( The additional exhibits are being sent via fax. ) THANK YOU FOR YOUR URGENT INVESTIGATION AND ENFORCEMENT ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: I was doing a shortsale with JP Morgan Chase, my agent received an email on XXXX/XXXX/XXXX stating that the offer had been approved by the investor ( XXXX XXXX XXXX XXXX and that she would submit the file for decision with Chase and that a response would be received in 5-7 business days. 

Then on XXXX/XXXX/XXXX my agent received communication from Chase stating that the offer had been declined by management. 

When my agent followed up the same day trying to find out how that is possible since the offer was already approved by the investor. 

Because of this the current buyer withdrew their offer, but my agent found another buyer who stepped up and signed a contract to purchase the property for the same amount of the previous contract which my agent submitted to Chase. 

But on XXXX/XXXX/XXXX she received an email from a XXXX XXXX at Chase stating that the shortsale had been declined by the servicer. 

She was told by the negotiator XXXX XXXX that they new offer would be reviewed. 

No response has been forth coming since that day.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I got a loan of {$700.00} on XXXX/XXXX/XXXX from XXXX. I have paid 4 payments of {$260.00} since my first payment ( monthly ) on XXXX/XXXX/XXXX. Before my third payment I called to ask the exact amount for payoff of this loan and was told $ 900+ which I could not pay at the time. I assumed after the third payment and the 4th payment my total payoff would be much lower so I called before my 4th payment to ask the payoff amount so that I could get this bill over with and was again told the payoff amount was $ 900+. I have paid {$1000.00} as of my 4th payment on XXXX/XXXX/XXXX. I feel that I have paid my original amount of {$700.00} plus {$350.00} in interest. 

Now, I am beginning to feel scammed because that is enough for a {$700.00} loan. I am a senior of XXXX years old on a fixed income, and this becoming unbearable  for me. I have borrowed from XXXX  before and only paid approx $ 100-200 depending on the amount borrowed, however, I always made the loan off on the first due date, this loan of {$700.00} is the first installment payments I have made. I am scared and know this is wrong, so please help me with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services. 
My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans. 
Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I opened a credit card account with American Express. As a signed up bonus, American Express offered me XXXX Membership rewards points if I spend {$3000.00} within the first three months. The annual fee on this card is {$450.00} a year. A membership reward point is a virtual currency that can be used in multiple ways. When I opened my account, I planned to transfer these bonus points to XXXX of the partners they have, XXXX XXXX points ( " XXXX '' ). When I opened the account, they advertised the following transfer ratio XXXX. So, the signup bonus for me was worth XXXX XXXX XXXX points. Three weeks after they told me that the ratio is going to change : to get XXXX XXXX XXXX points, I will need XXXX, not XXXX American Express points after XXXX XXXX. I called the cardmember services and they told me that if I fulfill the terms of my signup bonus bu XXXX XXXX, I will be able to utilize the old exchange rate. I completed the terms of my offer and the points appeared on my account on XXXX XXXX, in pending status. When I called American Express and asked them to transfer the points, I was told that I would be able to do it only in 6-8 weeks. So, the value of my signup bonus has changed after I opened the card. It was XXXX XXXX points when I opened ; it has decreased to XXXX XXXX points. This practice, in my view, is an example of deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Applied for a co-signer realease from a Wells Fargo that I have consitently paid ontime since XXXX was denied because my XXXX XXXX score was to low. No mention of what an approriate score is even in converstation with Wells Fargo representative before I sumbitted the application. Still do n't know what the " ideal '' score is me to recieve a cosigner release. Just this year I have been offered by Wells Fargo the oppurtunity to refinance my student loan without a co-signer so I am utterly confused on how I can be eligible to refincance without a co-signer but my score is to low to get a co-signer realease

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 09-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX I saw a pending XXXX XXXX transaction for {$1000.00}. I immediately called Chase and advised them of the fraudulent transaction. Chase deposited the provisional credit on XXXX/XXXX/XXXX and sent me a final resolution on XXXX/XXXX/XXXX. They advised that my fraud claim was denied because they were unable to validate their chargeback. The letter stated the provisional credit will be reversed because " the compelling evidence did not allow them to validate the claim ''. Chase stated because they were not able to chargeback the transaction that Reg E allows them to reverse the credit. In XXXX/XXXX/XXXX the provisional credit was removed from my account. Chase confirmed that the transaction was done online and unless I can prove I did n't do it they do not have to give me back the fraudulently deducted funds. They further advised the funds were sent to XXXX. I do n't even have a passport, please help me. 

The kickers is that I have not authorized chase to overdraft my account, this transaction overdrew my account. I later was informed that someone at Chase overwrote the overdraft decision to allow this transaction to proceed.
Chase Claim # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I am disputing the results of the Wells Fargo internal investigation pertaining to my claims of Mortgage Fraud and several other illegal tactics used by XXXX XXXX. It is yet another example of following the same pattern of fraud and deceptive lending practices in which Wells Fargo has claimed no longer exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Credit card) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: It was a catalog credit card thing that i never received. Never ordered from the company or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I recently became aware that Discover was charging me for a Payment Protection Program I never enrolled in. After inquiring with them, I was informed they had been charging me since 2010 for over {$1500.00}. Since I never enrolled in the program I requested a full refund but was only given a 6 month refund. After doing some research I found many customers were given full refunds but after asking multiple parties and supervisors to meet these demands I was still denied. They told me someone may call me back in 3 days or I could write a letter to their general mailbox. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with Allied Interstate LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My complaint is about Allied Interstate collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

Allied Interstate calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXXXXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.

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 09/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Credit line increase/decrease

Complaint: I have a credit card account with Barlcays Bank. I have had the account for 2 years. When they opened the account it was for {$5000.00} credit limit. Over time it was increased to a {$7000.00} credit limit. I have never been late on this credit card at all. Always paid it on time. Today I receive a message that my credit limit was lowered because they did a review on my application. They lowered it to XXXX. Which was lower than what was originally offered to me. Keep in mind about 8 months ago I paid this account down to a balance of XXXX. In that time I was offered to do a balance transfer on my credit card. I took the offer and moved debt from other credit cards over. Now the card balance is at XXXX. The fact they lowered my limit is going to make my credit score look worse. What I am asking for his for them to raise my limit to at least XXXX. The amount they originally gave me for the credit card.

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 03/19/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (TN).
Issue: Managing the loan or lease

Complaint: Around XXXX we consolidated our loans and paid off a loan to Chrysler financial for an automotive loan. In XX/XX/XXXX we applied for a lost title at our local town office in Tennessee. At this time it was made known to us that TD Financial XXXX XXXX XXXX XXXX XXXX lien on our title. I was directed to TD financial XXXX XXXX, then to My title Support XXXX, and back to TD financial to find that there is a " balance due of {$85.00} '' for " charges and fees ''. I have NEVER received any notifications from XXXX, TD Auto Finance or any other representative in the TEN to TWELVE YEARS since that loan was paid off. TD Auto Finance is located in XXXX Maine and I have never transacted business with them. I requested a supervisor call me to discuss the " balance due '' on XXXX/XXXX/15, and 1 week has passed with no response despite the XXXX calls I have placed to their " customer service department '' I find it very concerning and unethical that a corporation can quietly hold a " balance due '' for more than 10 years and then demand a consumer pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (OK).
Issue: Problems when you are unable to pay

Complaint: The loan company called my mother, stepfather and sister on numerous occasions discussing my personal and financial information. 

Additionally, this loan company discussed with my family members their intent to go to court, garnish my check and make harrassing phone calls.

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 05/24/2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt is not mines the creditor continues to remove it and reinsert it back on my credit with a new open date.

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 09/23/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: BANK of AMERICA was sent via certified mail a notice of dispute on XX/XX/2016, a second notice to validate and verify the allege debt was sent XX/XX/2016, and a third notice to validate and verify an allege debt was sent XX/XX/XXXX. Pursuant FDCPA cease desist all collection activities pending validation and verification of alleged debt owed. Instead of Bank of America abiding and complying with federal regulations they have taken legal actions by contracting with XXXX, XXXX, and XXXX and have conspired fraud upon i and the courts by filing forged documents, counterfeit security instruments, and demanding payment for an alleged debt i do not owe. Bank of America does not have legal standing and they have admitted to me the allege debt was never recorded.

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