milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Bank account or service (Other bank product/service) with Shellpoint Partners, LLC (MI).
Issue: Making/receiving payments, sending money

Complaint: Shellpoint Mortgage Servicing. I made a bill payment for my mortgagethrough shellpoint schedule for XXXX XXXX, 2015 from my checkingaccount with XXXX XXXX. XXXX sent check # XXXX. The check was sentto Shellpoint new address at XXXX. XXXX XXXX XXXX XXXXapproximately 7-10 days before the posted date of XXXX XXXX, 2015. 
Shellpoint calling everyday stating I did not send payment ; which XXXX did. Shellpoint stated they are having issues with processing checkssent to this address. Prior to this month for over a year ; there was not anissue at the old address. Shellpoint states they will call for update ; the only thing they want me to do is sign up for automatic payment tostop this issue. As of XXXX XXXX, 2015 I had to stop payment for the checkXXXX issued. Made a payment on phone on XXXX XXXX, 2015. In themean time I made another 'Pay bill '' from my checking account for themortgage so the payment would be for XXXX XXXX for semptemberpayment. XXXX issued check # XXXX seven to ten days before the duedate of XXXX XXXX. As of today XXXX XXXX, 2015 ; payment has notbeen posted. three way call with XXXX and Shellpoint on XX/XX/2015 ; Shellpoint said they will keep checking my account to see if fundsare posted. They want me to make another XX/XX/XXXX payment or they '' push '' me to tell me that this would not be an issue if I sign up forautomatic payment through their system.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Managing the loan or lease

Complaint: First merit only allows method of payment limited to those that do not have a checking account with them. In the beginning of the loan i opened a checking account which was closed due to i did not always use the account. I opened just so i had a way to make payments online. They offered a {$25.00} bonus check for opening a new account which i was not allowed to receive seeing that my account closed. Now i have to submit my payment by cash only i went in on XXXX to make a payment with {$440.00} for my payment of {$430.00}. The clerk misplaced or took {$200.00} of my payment making me late for the month payment. Advising the bank of the issue they proceeded to tell me that because of the way i look i am not trustworthy. To me this is not the proper way you treat customers and i have advised everyone to stay away from this bank. I feel like i was discriminated against due to the fact that i was a single girl that wears hoodies and jeans and not because i did not go into the bank with a suit on or dress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AR).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX ThankYou Points bonus after making qualifying bill pays with the account. I have a screenshot of when I opened the account, showing that I have entered the promo code and the terms and conditions. I made the qualifying bill pays in XXXX. Now, I have contacted Citi to see when I 'll be receiving the promotion, and their services department tells me I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. I have attached a screen shot from when I opened the account, with the promo code and rules. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this promotions, why did they let me open the account, give me a promotion disclosure with the rules, meet the rules and wait all this time before finally telling me, after I had to contact them, that they are n't giving it out?

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 07/14/2017 about Debt collection (Medical debt) with Tulsa Adjustment Bureau (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have repeatedly contacted company and have gotten 4 different excuses on why collections from Tulsa adjustment bureau and also faxed numerous paperwork proving bill was discharged in bankruptcy. ive disputed this bill with credit bureau numerous times yet Tulsa adjustment bureau has responded all info is correct. Tulsa adjustment bureau has reported this debt to XXXX as recently as XXXX XXXX 2017. clearly this was after all my previously efforts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Yes, several time disputed. 
Creditor have continuosly by error placing my account last two payments delincuent. Payment was delivered on time at creditor drop box. 
Lender start to call about payment, i have visited their facilities and lender agreed their responsability with payment have lost at their facility at their drop box and asked to replace lost payment. 
Payment was never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (DC).
Issue: Managing the loan or lease

Complaint: I would like to explain the problem. I purchased a vehicle through Ally Bank XXXX. The vehicle was stolen and my insurance and gap insurance paid the vehicle off. I called Ally Bank to make sure they had received the money, they stated yes and they had no account number of the vehicle. Then, almost a year, Ally Bank started calling. They said that I owe them a month car note {$650.00} and all of these late fees which was over a XXXX dollars. I asked them earlier about whether they had received the {$23000.00} owed on the vehicle, they said yes and that was it. I spoke with someone and stated I do n't understand why I still owe them. Now, they are calling non-stop. They have even went as far as calling my family members on their jobs. They work at the XXXX and they are not allowed to receive such calls. They ( Ally Bank XXXX are calling and asking them their names and if they know me. They have been harassing me and all family member for a number of weeks. I am not working and I ca n't pay them or anyone else. They start calling in the morning and they do n't stop until XXXX, everyday to include Sundays. I have never been harassed by anyone and I have always made sure that my bills have been paid. Ally Bank is calling cousins, friends, etc. and guessing that they know me. They are asking for me at the their jobs and they are just guessing names or just asking if they know the me. Please help me. They are the worst. I do n't know why they are calling all of these people and I only had my one older cousin as a contact. She has XXXX and they have been harassing her and it is n't fair to her or me. They are just calling everyone telling them that I owe them money and it is important that I contact them XXXX Ally Bank XXXX as soon as possible. It is n't anyone 's business about me. Ally Bank is the worst bank because they are stalkers and they call everyday using different numbers or unknown numbers so you ca n't call them back. The one number I tried calling back after they had called was some place other then Ally Bank. I need them to stop immediately, it is very hurtful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/2015, a XXXX representatve called me and asked me if I wanted to renew a protection agreement on a washer and dryer. Having had issues with the unit, I agreed. The company asked if they could bill a XXXX XXXX Card on file ; I agreed, but the company representative never confirmed a billing arrangement and I assumed I would receive a bill in the mail. Months passed, and I did not receive a bill. Finally, I received a threatening letter from XXXX that informed me that I was 30 days past due. I quickly called the company, made an over-the-phone payment and the company agreed to waive my late fee. I also learned that my bills were sent to an email account that I rarely use. In XXXX of 2015, I decided to check on my credit and learned that it had dropped by approximately XXXX points with all three bureaus. I immediately learned that XXXX, XXXX ' credit affiliate, reported me 30 days late to the credit bureaus. I disputed this charge, with the credit bureaus and the company, but none of these sources agreed to reverse the claim. Keep in mind that I did not receive any of the bills and XXXX conceded fault by waiving my late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I am unable to pay the loan amount at this time, I tried to work out a settlement and they did not accept that. I plan to pay but they call distant cousins, brother in law, my employer and ask for my Supervisor, called my mother and my sister and my ex wife stating they have filed a lawsuit against me. they are harassing me when I am already willing to make arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Today I was told when I attempted to make a deposit that Chase had decided to close my account and no longer do business with me. I had written {$7000.00} worth of bills/checks against this account. Today they told me they closed my account on XXXX. No written notification was given and me and they tell me they will not reimburse me for bad check fees and charges that I will incur because of their action. I as you know have been fighting them for XXXX XXXX years over mortgage modifications and the fact that they illegally foreclosed on me in XXXX. No one helps me at Chase. They deny they have done me wrong and it just continues. Now they are do to foreclose on my property after not even posting the foreclosure notice on the house or notifying me in writing. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a modification from Wells Fargo back in XXXX, I hired a lawyer, worked at getting them all the paperwork hundreds of times. Finally, got the modification in XXXX XXXX, I sent the XXXX payment, however I was short on the payment since the paperwork was not very clear on the amount due, I sent {$1100.00}. I realized later that the amount should have {$1300.00}, so I sent the difference in XXXX XXXX for {$250.00}. The XXXX payment they dispersed incorrectly as well as this {$250.00}, they applied to the principal instead of the normal payment, without notifying me of this. So they say I am behind in this payment. Also, in XXXX XXXX, I made a mortgage payment on the phone with them, same information, same account I always use, they processed it incorrectly so it shows that it bounced, even though I have proven to them that I had the money in my account to cover the payment, they did n't notify me until XXXX XXXX. There is also a payment in XXXX that they misapplied for {$1100.00} to principal instead of the regular payment. I have provided them over and over again with all the documents to prove my case, yet they refuse to work with me. I realized that the XXXX payment I will owe, but I need to make payment arrangements for that XXXX. They call me several times a day and never resolve anything. Please help.This has ruined my credit, which is not fair. I pay my mortgage every month. I 'm so exhausted from this constantly not being fixed.

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 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked my credit report to see that Amsher Collection Service had put a derogatory ding on my credit score, showing I was sent to collections. I need to remove that from my credit score because I was never notified of this action prior to it showing up on my score and dropping it nearly XXXX points!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Unsolicited issuance of credit card

Complaint: This complaint is about PayPal. I know that they had a settlement last year but wanted to alert you that they same issue that they were charged with then, just happened to me this past month. I 'd had a regular PayPal account that I used for years then suddenly this month, all of my regular purchases automatically went to a PayPal Credit account ( which I did not request or authorize ). I just contacted them, paid the balance on that account ( 1st time ever ) and closed the account ( I hope as they would not give me a confirmation number or e-mail ). Thanks for checking into this again, I 'm sure that this has some affect on my credit report, though hopefully not negative.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have had a PNC checking account for many years. I am a service member in the XXXX and have had my direct deposit with them for quite some time as well. In late 2015 I unfortunately got XXXX to serve the country in XXXX with my unit. While XXXX  there were many fraudulent transactions that occured on my checking account that brought it to a negative balance and closed it out completly. There seem to have been debit card usage and my acount number may have been compromised as well. i do remeber my last direct deposit of my job was a deposit of {$1200.00} and i was under the impression that the amount would be available once i returned back stateside after XXXX. Once I arrived stateside I was notified when I called into a local PNC branch that I no longer had a active checking account and that it was charged off for a few dollars meaning that my funds were taken as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Federal student loan debt) with Performance Settlement, LLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I was contacted by XXXX XXXX on XXXX/XXXX/XXXX. They stated that they were working with XXXX XXXX to consolidate my students loans and get me on a payment plan to have my loans forgiven. They had access to my XXXX XXXX XXXX account and information. They told me I had to sign up with them to get the help needed to have my loans forgiven. I signed up thinking that they were working with XXXX XXXX and going to have my student loans forgiven. They are charging me {$200.00} upfront and then {$49.00} a month for a total of {$1400.00}. I contacted XXXX XXXX, and I found out that they had never heard of XXXX XXXX and were not working with them on my behalf. I contacted XXXX XXXX to cancel the contract with them. They would not cancel it.

Company response to consumer: Untimely response
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Trouble during payment process

Complaint: I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XXXX 2017, without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. 

The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. 

HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds.

Prior experience shows that HSBC takes complaints to CFPB as jokes and does not properly respond. HSBC knows that it can respond with a dog bone image, and CFPB promptly accepts it as a timely response and closes the case.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Application, originator, mortgage broker

Complaint: My home at XXXX XXXX XXXX, XXXX Pa is schedule for Sheriff Sales on XXXX XXXX, 2015. Presently, I 'm in the middle of a refinance modification with " XXXX ''. 
In the past, since Citibank bought my mortgage company XXXX XXXX XXXX XXXX, Citibank has never attempted to work with me. Citibank Foreclosed on me when they had about a year of my mortgage payment that they processed in their possession but Foreclosed on me. I hired and was represented by the law office XXXX XXXX. XXXX XXXX was able to obtain the cashed check from the bank, but his office had to file a XXXX because of a foreclosure sale that was pending with the sheriff. 
I contacted the Pennsylvania Attorney General Office with a certified complaint concerning this matter via certified letter, but to date I have never received a reply from that office. 
In hind sight, I requested a copy of my deed from Citibank and a " '' QWR '', but to date the bank has never acted on my request nor did the bank replied me at any time. During a court hearing in XXXX, pa ( Federal Court ), the lawyers of Citibank were asked by the judge why my request for my " Deed '' / '' QWR '' was not attended to? The Bank Attorney 's replied, " All these documents are being computerized '' physical document are difficult to obtain. 
This on the part of the bank is a justice denied, not only delayed. This action on the part of Citibank also violates purely procedural rules to a level of State law. 
Because of the many constraints that was place on my financial condition among which was nature disaster, with no help in sight, I was encouraged to contact the Justice Department. I contacted the U.S Justice Department. In keeping with the Justice Department recommendations, I 'm contacting your office to kindly ask that you please use the services of your good offices to help me resolve the mortgage matter with Citibank. Citibank is XXXX of the banks that received tax payers like myself tax dollars as bid out money when they claimed to be " needed ''. in addition, Citibank claimed to be a community partner in rebuilding family and community through it 's many loans/ modifications and government program. Yet, I 'm a perfect example among many in my condition of a false publicity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with CITIBANK, N.A. (OK).
Issue: Billing disputes

Complaint: My balance was paid in full on XXXX/XXXX/2015 resulting in a balance of {$0.00} and interest was charged on XXXX/XXXX/2015 even though the balance was {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2016 about Credit card () with JPMORGAN CHASE & CO. (AR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A person who was not authorized charged about {$18000.00} to my Chase credit card. I reported it to Chase on XXXX. Chase originally gave me credit for the loss, but then reversed the credit. My understanding they have 60 days to finalize their findings. They have left this file open for over 1 year. I have corresponded and talked to them numerous times and they just give me the run-a-round. I want these fraudulent charges reversed and have them give me back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is the 3rd collection agency supposedly collecting a debt for XXXX. 
The last one I sent a check to them They sent it back saying they did n't have the account. I phoned XXXX they told me They could not get into my account. I hired a lawyer now another company is placing this on my credit. 
If XXXX can not get into my account, then how can collection agencies keep changing and play ing this account on my credit when my Lawyer has told them to cease and desist. 
Are collection agencies above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing disputes

Complaint: Unable to dispute charge. Called toll free number on card XXXX times. Each time after identifying myself, the recording recognized me and my phone number, and it accepted my " secret word '', it would say " we 're too busy right now to take more calls '' and just would give me a dial tone. So my CC company just hangs up on me when I 'm trying to do a dispute. So I called and after many questions and answers supplied to the automated system, finally I was able to get customer service. I could hardly understand the person, they had a very strong foreign accent and did not speak in complete sentences. They said the disputes department could n't take my call as they were overwhelmed with calls, and I would have to try again some other day.

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