milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Customer service / Customer relations

Complaint: This is not additional information on complaint XXXX. 
I sent the email below to XXXX on XX/XX/2017 telling him to put a note on my account and tell his employees to not contact me by phone again, only by mail, because they are harassing me!! Since I sent the email they called me again on XX/XX/2017 at XXXX an XX/XX/2017 at XXXX, so I am now sending it to your office to deliver to him too! His employees have been rude and unhelpful every time I contact them and he makes excuses for them, once I do pay this account off will be closing the account because of the horrible customer service, is no wonder there are so may complaints online for the same!! 




















Sat XX/XX/XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX, I am having a problem with my account. I lost my job unexpectedly some time back and so my payment is now past due for XX/XX/2017. I contacted your account department to let them know what was going on and that I could not make a payment until the unemployment check was in my account, which will not be until mid next week. They then called my cell phone this morning at XXXX and woke me up ( from XXXX ), after I had just fallen asleep finally just a few hours before due to my concerns over the job loss, no promise of a new job yet even after sending out hundreds of resumes and interviewing with several employers, still waiting to find out if I am hired or not, having no financial help because I am only XXXX years old and already widowed twice and now both of my parents and their spouses are in theirs XXXX 's and have had XXXX, XXXX and XXXX so leaning on me at times. 




I want my account noted that I do not want to be contacted by phone or email, only by mail going forward. I am aware of the balance on my account, have never been late on a payment with you before, but can not pay my payment until I have money to pay it with. I live about two hours from the nearest XXXX 's location in XXXX, XXXX., but if you have a position open that will pay me enough to live in that area again in one of your stores I would be happy to take it and pay off my balance sooner. I am trying to get back over that way anyway, because there are more jobs closer to the city. I have also held high end retail jobs in the past with XXXX, XXXX, XXXX. 




Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Sent letter with attached application, copy of passport and utility bill to LexisNexis over four weeks ago asking for annual full file disclosure. 

I called on XX/XX/XXXX to ask for the status of my full file disclosure. 

They acknowledge sending it out USPS on XX/XX/XXXX and informed me it takes seven to ten days to reach me. That time has past. I still have not received the file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with U.S. BANCORP (KY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I use XXXX XXXX to access my paycheck earlier when I need to. However access to my current amount in my checking account is slow and can in some cases hinder my ability to get money when I need it. It would be best if access was instant so my current balance is always up to 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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have  a Fraud Victim Alert s ince  XXXX   XXXX , when I was a victim of a crime and it extends for 7 years . Alert  includes my phone number so that anyone using my identity to apply for credit, the vendor has to contact me to insure that it is me applying for credit. I was able to obtain a HELOC and credit cards in late  XXXX  with no problem, with said alert in place. In  XXXX , I applied for   XXXX   XXXX   XXXX   XXXX  ; I was subsequently denied because Experian said they had No phone # for me. Upon request of my repor t (  dated  XXXX / XXXX / XXXX  ), I saw incorrect personal info on my report and requested same be corrected. They also claimed they gave the correct # to  XXXX   XXXX . Today I receive  2nd report  dated  XXXX / XXXX / XXXX .  Information ( w hich included an INCORRECT residential phone # that was not ever mine ) was deleted. However, a new residential phone  # ( again  -not ever mine ) now appears, not 7 days after giving them the correct information. It is impossible to contact anyone by phone, nowhere on either credit report is anything that says customer ID # which they require to submit further disputes online. They need a designated contact Phone number answered by a live person for consumers in the midst of a dispute. Instead th e 1st 3 pages of each r eport are trying to sell me consumer fraud protect ion (   XXXX  for {$8.00} a month. Experian is not protecting my credit but rather exposing me to additional risk. How do they get a new residential phone number for me, when I just spoke to them a week ago, confirming the o nly 2 numbers I have, ( one for over 30 years )? I still have not gotten an explanation as to what happened with    XXXX   XXXX . Representative said they would contact  XXXX    XXXX   to see what happened as my phone number is on their fraud alert ; However, I myself contacted  XXXX   XXXX   XXXX   and security showed me that my phone number was not included when they did the credit check. Experian is not protecting the hard-working taxpaying consumer, but rather the thieves. Are they going to tell me where they got this new fraudulent phone number? They continue to operate under the protection of the government, yet the consumers are not protected

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 08/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Settlement process and costs

Complaint: Nationstar Mortgage and Trustees, XXXX, herein, NS and Trustees, have continued to proceed with unlawful foreclosure. Numerous attempts have been made by homeowners, by and through their advocate, with written, telephonic, electronic, communications. All reasonable and lawful efforts have been exhausted and litigation has been initiated as a unfortunate and unwanted, last resort. 
A rescission letter was mailed to alleged interested parties, Pursuant to TILA, 1605 et seq. see attached To date, no response has been forthcoming from NS or Trustees, as required by law and confirmed in U.S. Court decision, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : " In the case of TILA Rescission the issue is closed, to wit : the unanimous decision of the US Supreme Court in XXXX was that the statute is not ambiguous and thus not subject to interpretation by ANY judge '' and again in, Minnesota Supreme Court in XXXX XXXX XXXX , No. : XXXX : " Here again we have the application of the simple formula proposed by the Supreme Court of Minnesota, to wit : nothing plus nothing equals nothing. " NS and Trustees acting as debt collectors as defined in FDCPA, and in CFPB XXXX XXXX Brief No. : XXXX, have made false and misleading representations in their actions while attempting to collect on alleged debt. Homeowners relentless attempted to validate alleged debt, all of which is well documented. NS and Trustees were non-responsive and act with impunity against Homeowners and more importantly a blatant disregard and respect for the rule of law.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Closing on a mortgage

Complaint: Dear Sir/Madam Re : Case numbers 1. Complaint XXXX about WELLS FARGO BANK 2.  Complaint XXXX about WELLS FARGO & COMPANY. 

Even though we complaint to CFPB but we still did not get any resolution from Wells Fargo yet, instead of they are forcing us to close the application in short period of time, if not we are responsible for addition fees or we have to drop the case. We feel we got treated unfair and discriminate from Wells Fargo as we have been pushing them to resolve the issue since XXXX XXXX by sending almost daily email. We keep following up with them day after day, and month after month until XXXX XXXX, XXXX that they force us have to close our loan in XXXX XXXX, XXXX which is a week from now. Due to the holidays season is just around the corner and we have tied up with other things we need to take care off. We knew XXXX XXXX is not a good schedule for us to deal with the loan situation ; therefore we have been pushing Wells Fargo since XXXX XXXX by sending daily, monthly emails trying to cooperate with Wells Fargo to resolve the issue prior to XXXX XXXX. But unfortunately, day after day and months after months, they ignore our request completely. We feel like we have been treated unfair due to discrimination and racial from Wells Fargo Bank.

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 09/30/2015 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am the family member of the person this agency is attempting to contact. They have called me more than XXXX time. They asked me to deliver a message to my family member. They have admitted that when they call me they do n't even know who I am, but they continued to call. They interrupt my work and my personal life with these calls. 

I was called more than once by the caller " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX have received multiple calls from XXXX which I also believe to be for the same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to my credit union ( XXXX XXXX ) to apply for a credit card and was denied, when we reviewed my file we found XXXX credit cards opened in my name 6 years ago while i was XXXX. I did not open them. We found a XXXX XXXX XXXX, a XXXX XXXX, a XXXX and a XXXX card all in default.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with J. Mark Heldenbrand PC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of 2016 I bought my first home and gave my 30 day notice to my landlord at the time. I had a friend help me move out but was not able to take a mattress and a nightstand with me so i figured i would just pay for them to remove the items. They removed the items but claimed the carpet was completely damaged and that they found bedbugs in the apartment so they sent me a final statement with a total of {$2300.00} stating they were not able to rent the apartment for two months. After trying to negotiate they said they were actually able to rent the apartment and removed a months rent so the total amount went down to {$1400.00} I still did not agree with this amount because the carpet was in good condition and i never saw any live bedbugs when i moved out. Now a year later they hired a lawyer and the total amount they are asking for is {$6700.00} including attorney fees. They claim they pay a company to do a treatment for the bedbugs but they paperwork does n't show this. Also they showed me an invoice for the carpet replacement but did n't show me proof of the " damage '' carpet.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Struggling to pay mortgage

Complaint: we had a short sale in progress with a great contract offer well qualified buyers. The first mortgage was listed in 2nd place and the heloc was in 1st place it took the 2nd mortgage all most a year to get change. Finally the first was in place and we should have closed sometime in XX/XX/XXXX. The first  mortgage Mr. Cooper was double tracking then once they were in first place they tried to foreclose. I had been receiving notices that this was being moved to XX/XX/XXXX. But with less then a days notice they were going to auction the home. I had to file chapter XXXX in order to have a home to live in. This should n't have happened. I had an attorney working to get this short sale to close. We did everything possible so that Mr Cooper mortgage company would have a full payoff. But they would n't respond to our attorney.. I was very upset. I did what I was suppose to do. We have been very honest with everyone associated in this deal. But for me to have to file in order to have a home to live in after I have a great buyer who has been very patient and waiting for these mortgage companies to do the right thing. This is just plain wrong. Mortgage companies should not be allowed to double track when working with the public like this. We did n't want a foreclosure on our credit. A short sale is bas enough. Our attorney has also filed with you too.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I left the program due to family emergency. XXXX University refunded Navient {$2400.00} and {$1700.00} totaling {$3700.00}. They are still reporting it on my credit report despite being paid back the money. The Navient representative I spoke to was XXXX on XX/XX/2017 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have two private loans that I received when attending XXXX XXXX XXXX XXXX. Loan # 1 was for {$5200.00} in XXXX and Loan # 2 was for {$2900.00} in XX/XX/XXXX. The terms of the loan was n't explained. I am in a variable rate that is continuing to increase and currently is above 14 %. I have been paying on these loans for 10 years ( since XX/XX/XXXX ) and still owe a balance greater than $ 20K. My monthly payments are {$200.00} of which {$150.00} is interest and {$100.00} of which {$76.00} is interest. Over 70 % of my payments is interest and I 'm unable to continue making these payments. It was advised that I would need to try to obtain a loan from a different company to payoff these loans if I want a lower interest rate but the loans would be extended out further than the current maturity date in XX/XX/XXXX which would result in my paying even more than I 'm expected to pay now. I am stuck in what appears to be a never ending cycle of paying off my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I applied for a Citi Gold bank account in XXXX, 2015. The account had a bonus of XXXX thank you points. I contacted Citi several times about this bonus and they consistently told me that I had met all the condtions required to receive it, and would be getting the XXXX thank you points within a few weeks. They told me this over and over again since XXXX. The account comes with a $ XXXX monthly fee, and they continue to bill me each month, but are not living up to their end of the bargain. The customer service at Citi simply tells me " please keep waiting and we 'll post the points eventually '' but it has been over 6 full months since I applied. I refuse to continue to wait and continue to pay a $ XXXX monthly fee. Citi Gold checking accounts are a scam and they are not honoring their promotion, offer code : 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 12-03-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: debt was paid in XXXX/XXXX/2016 to medical office. Now I am receiving letters from a collection agency called Transworld Systems , Inc. TSI

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Mortgage) with PHH Mortgage Services Corporation (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08/23/2016 about Debt collection (Mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector capital one, Na law firm XXXX XXXX XXXX XXXX have approved the use of XXXX or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting XXXX orchestrated by XXXX XXXX XXXX XXXX and capital one, Na these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors CAPITAL ONE, NA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: XXXX issue with my citi credit card account!. I filed online on XXXX/XXXX/15 for an electronic payment to be posted to my account of Friday XXXX/XXXX/15. Citi debited it from my account on XXXX/XXXX/15 which caused an overdraft. Then when the payment was processed from my bank on XXXX/XXXX/15, CITI says they have posted the payment to my account but it is still not available on my line of credit as of XXXX/XXXX/XXXX. I have an unauthorized recurring charge from XXXX NY a dating service which i unsubscribed to several weeks ago. Since then CITI has authoriized XXXX charges of {$49.00} to the merchant and not only will they not refund they stated they can not suspend/discontinue any further payments to the vendor even thoughI have reported it as fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with CASHCALL, INC. (MO).
Issue: Problem when making payments

Complaint: I made my first loan payment t o Cash Call on th is loan on   X/XX/17   . It was due     X/X/17  .  Cash Call applied principle and interest exactly as if the payment had been made on   XX/XX/XXXX  . When I protested, they have told me that all payments are credited on your due date regardless of the date you make them.     This is definitely a simple interest loan. The exact quote from the paperwork on this loan regarding interest figuring is : " Interest is calculated on a  XXXX  simple interest basis. This means that interest is calculated by dividing the ann ual Interest Rate by 360, multip lying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. '' However, Cash Call in effect is holding the payment and thus changing the " number of days the principal balance is outstanding. '' They thus refuse to give me credit for the payment toward principle for several days while waiting for the due date. This, of course, changes the date on which the principle decreased due to the payment and gains  Cash  Call increased interest for those days in which they pretend the principle was still full balance, while in fact they already had the payment and principle should have already decreased.     This is not how any simple interest loan I have ever had does it. Cash Call themselves in my prior loan with them always applied payments on the date made, deducting first interest due through that date and applying the rest to principle. They did not on the prior loan hold payments until your next due date to gain themselves extra interest in the meantime. However, they are now.     I have attempted to resolve this with Cash Call extensively. However, they simply keep saying that all payments are handled as if received on your due date. Due to the massive potential benefit to them in holding payments and delaying drop in balance, I am now starting to question their honesty in this tactic and think it is a deliberate attempt to pad their own coffers at the expense of customers. It is not right for Cash Call to have my payment, yet not apply it for several more days just so they can earn the higher interest for days in the interim by delaying any payment to principle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (RI).
Issue: Managing the loan or lease

Complaint: previous complaint XXXXXXXXplease see supporting documents proving that my lease was not only paid on time, but early every month. the NMAC " XXXX '' system failed.

Company response to consumer: Closed with explanation