milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: On M & T Bank 's official website, it was offering a {$150.00} bonus when you open a MyChoice Checking account by XXXX XXXX, 2015. Since this is a public offer so there is no mailer required to open an account. I opened my account on XXXX,2015 and also set up the direct deposit with amount of {$100.00} to satisfy this bonus requirement. I sent a message to M & T bank online customer service to check my bonus status on XXXX XXXX, 2015. M & T bank 's CS confirmed that I am qualified for the bonus and all I need to do is wait for 90 days after the initial direct deposit which was XXXX,2015. 

I waited to XXXX XXXX, 2015 and I did not see any bonus on my account. Therefore, I messaged M & T bank CS again. To my surprise, the CS declined my request by saying I am not qualified and I need to have a mailer with the bonus to bring to a branch to verify my status. M & T bank always puts up this type of promotion on its official website and no mailer is required to open on account online. For example, if you go to XXXX, you can see the current promotion they are running. NO mailer is required. 

I strongly believe the customer service from M & T bank was lying to its customer and tried to avoid fulfilling the promise they made to award the bonus. I have attached the confirmation message sent from M & T confirming that I am qualified for the ongoing bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the collection agency in 3 payments in XX/XX/XXXX and XX/XX/XXXX for settlement amount of {$240.00}. The bill was for XXXX. They on XX/XX/XXXX XXXX XXXX XXXX tried to collect on the bill again and added to credit bureau as collection. When I called with proof they state didnt know why it came up and was sent to credit bureau. Updated credit bureau as paid, states cant remove there error.

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report. 

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}

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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Every month XXXX XXXX XXXX XXXX XXXX has been doing hard inquires on my credit. I never had any doings with this company or ever gave them permission to check me every month. Please help, have them REMOVE ALL their inquires from all XXXX of my reports or i will sue for XXXX for each. i also signed up to optout this XXXX. XXXX, XXXX XXXX, XXXX Ut XXXX ... 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 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification from OCWEN for almost two years. They have put me through the ringer. My account is a XXXX account. When I ask for a modification they just raise my monthly payments and extend the loan but never give me a modification. Many of my payments were not reported. I ask OCWEN to send me a copy of my original contract with my payment history but they just refuse. They ask me to send the same paper work over and over again. This seems to be a never ending story. THIS IS UNLAWFUL. PLEASE HELP ME. I bought this home in 2007 THAT IS MY XXXX DREAM. IT IS HORRIFIC TO THINK THAT I COULD LOSE IT DUE TO THE ILLEGAL ACTIONS OF OCWEN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CITIBANK, N.A. (NM).
Issue: Late fee

Complaint: Citicard : I subscribed to paperless billing and pay out of my bank account. I provided CITI with bank info. They did not deduct amount due, then claimed I was late, charged a late fee and interest. I decided to close account and pay, but I think this may be a scam and want to report it. I never received a paper bill, although requesting it.

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 04-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Credit determination

Complaint: In XX/XX/XXXX, I responded to an offer sent to me in the mail by American Express for a " Gold Card ''. At the time, I was a XXXX in college. I was approved for the card and used it for approximately one year. In XX/XX/XXXX, as a XXXX in college, I encountered severe financial difficulties and was unable to pay a {$1200.00} balance on the card. American Express refused to provide additional runway for payment, and subsequently closed my account and turned it over to collections. Between XX/XX/XXXX and XX/XX/XXXX, I was a struggling recent college graduate and was being hounded by the collection bureau hired by American Express. In XX/XX/XXXX, I settled the balance with the collection agency ( for less the the full amount owed ). The collection agency promised to me that this would not reflect negatively on my credit report, but that promise was not kept and the account was reported as a charge off. Fast forward to early XX/XX/XXXX, and my financial position had drastically improved. I attempted to refinance my student loans, but was denied because of the derogatory remark on my credit report from American Express. After several months of working with the American Express Credit Bureau Unit, I was promised that if I paid the remaining balance on the account ( {$300.00} ) then the derogatory remark on my credit report would be completely removed and that the account would show as paid in full. This is important because by making this change, the single derogatory remark on my report would be removed and I would be eligible to refinance my considerable student debt. American Express did indeed make a change to my report, however it was not the change they had promised me. The account now reads " Paid, was a charge off '', which is still a derogatory remark. upon escalating this issue with management at the American Express Credit Bureau Unit ( to a manager named XXXX XXXX ), he promised to review the recorded call in which a representative ( named XXXX ) made this promise to me. Earlier today, he informed me that he found no evidence of a promise. I feel taken advantage of and misled. I heeded the advice given to me by a representative of American Express, sent a considerable amount of money to the company, and am now being treated as a liar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with CBM Services, Inc. (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX my mother had a form from a collection agency. It has three accounts they were trying to collect on. One account my mother was a co signer on. The other two accounts she was not. She called me in a panic and wanted me to call the agency to assure she was not responsible for the other two accounts. I called they denied sending the letter to my mother with my other two accounts, she is not responsible for. They wanted a copy of the letter for proof. XXXX XXXX I went to the office and gave them a copy of this one letter even though my mother had gotten more than just the one. The manager was not in and would call the XXXX. She did call the XXXX she did say they made an error and it wont happen again.. at that time I told her it had happened multiple times and I do n't feel that I should not be responsible for paying the debt. She did n't seem to be sensitive to the situation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (WI).
Issue: Unexpected or other fees

Complaint: I have received 2 letters stating that  Citibank  has enrolled me in an optional debt protection program and was charged a monthly fee. As far as I know this This had been a few years ago. I do not carry a  Citibank  card at this time.

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 07/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (IL).
Issue: Struggling to pay your loan

Complaint: On or about XX/2017 I borrowed XXXX $ from Check and Go, I experienced a unforeseen problem. The Company Check and Go continues to call my employer with automated massages. Is this unlawful? I plan to pay my dept, but this is causing problems at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: I had a valid lease on a property in Foreclosure. I contacted Wells Fargo and notified them several times that the property was not Vacant. They sold the property and Never gave me time to find housing or get my personal property. I am now homeless.

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 04/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Many issues. Told in the beginning that I needed to get behind on mortgage to qualify for HAMP Program, I did and paid many late fees and attorney fees. Recently applied for the HHF Program, told I would qualify, WFHM stated that since they did not administer the HHF Program " In House '' for the State of Florida, they would not postpone Foreclosure hearing however, if I lived in a State that they did administer the HHF Program, they would have postponed the hearing. Many, MANY other issues, lies and untruths told over the past 6+ years, I am currently conferring with an attorney regarding filing a lawsuit against WFHM .

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: THESE COMPANIES HAVE NOT VALIDATE AND AUTHORIZATION TO PULL MY CREDIT. THERE IS NO SIGNED AUTHORIZATION. 
XXXX XXXX XXXX XXXX XXXX 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 08/15/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have a collection account on my credit report by a debt collection agency : XXXX XXXX, which is not licensed in the state of Florida to collect. Therefore I am disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Application, originator, mortgage broker

Complaint: Selene financed submitted a letter dated XXXX/XXXX/XXXX concerning Case # XXXX on XXXX/XXXX/XXXX ( Validation of Debt Notice ). This letter was never delivered to me. We were not given the opportunity to dispute this debt since Selene DID NOT send it to us. If it had been sent, We would have definitely disputed the amount. We were current on our mortgage until XXXX, XXXX, when we fell on hard times. We were granted a Forbearance from XXXX XXXX through XXXX XXXX, which we satisfied, therefore, how can Selene say we are in default beginning XXXX XXXX? XXXX! Now XXXX entities are Dual Tracking - XXXX & Selene Financing. Selene is in talks with us concerning various modification options and XXXX continues to proceed with foreclosure. We were not given our Due Process because we were not informed. We have found many documents recorded in the XXXX XXXX 's office claiming XXXX mailed or delivered documents to us, were NOT mailed or delivered to us. We will continue to notify govt entities and make them aware of these unscrupulous acts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Savings account) with DISCOVER BANK (CA).
Issue: Deposits and withdrawals

Complaint: Missing Funds. Funds that were requested to be transferred were lost by the receiving Bank, Discover Bank. 

I initiated an online transfer of funds from XXXX XXXX XXXX ( from the Discover Bank website ) to Discover Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, the Discover Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, XXXX XXXX XXXX records indicated that the requested amount was withdrawn by Discover Bank. On the weekend of XXXX XXXX or XXXX, I closed the XXXX XXXX Account believing the Discover Bank statement that they received the XXXX XXXX funds. On XXXX XXXX, Discover Bank Online History indicated a reverse ACH deposit from XXXX XXXX Bank. Also, on XXXX XXXX, XXXX a.m., I received an email from XXXX XXXX Bank stating that XXXX XXXX was unable to complete the transfer request from Discover Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from Discover Bank to withdraw money ''. ). 

According to a conference call among XXXX XXXX, Discover Bank and myself on XXXX XXXX, 2016, XXXX XXXX stated that they rejected the returned funds from Discover Bank and resent the funds to Discover Bank. ( Trace number is XXXX sent on XXXX XXXX Eastern Time, XXXX XXXX. ) Discover Bank can not find the funds and hence they have not deposited them in my bank account. 

The funds have not been shown to be in both XXXX XXXX XXXX and Discover Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Discover Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to Discover Bank and XXXX XXXX Bank have not yielded any meaningful results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with AmeriCollect (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am filing this complaint because Americollect has iqnored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you To provide accurate information showing my original signature that this debt belong to me. If not provide this need to get delete from all credit bureau reporting this false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Student loan (Private student loan) with SLM CORPORATION (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Loan # : XXXX. The loan I took out in XXXX with Sallie Mae was setup as a variable interest rate private loan. The orginal interest ( SEE ATTACHED ) was between 9 % and 10 %. The interest rate may vary based on the current market flux. ( SEE ATTACHED ). That said, I have paid the loan since XX/XX/XXXX, making {$140.00}, {$32.00} of which is in interest. That totals roughly {$5800.00} in total payments on a {$7000.00} loan. Somehow, i still owe {$3700.00} to this day .That is probably because I am paying {$32.00} in interest. Thats 22.8 % interest. Not 10 %, like my promissory note states. I have complained to them that a REASONABLE consumer would not be able to determine how they came up with this but this is the formula they use they told me. Interest rate is calculated at {$390.00} interest annual divide by 365 days= $ XXXX 31 days in billing cycle. Monthly interest. {$33.00} XXXX. XXXX. A REASONABLE consumer, and an HONEST government agency such as the CFPB, should see that this is a PREDATORY lender, and that they are being dishonest, and are robbing me off my money and livelihood. This effects the economy, as I am now going to end up paying almost {$15000.00} when this little loan is paid off. I want a reasonable rate restored, or the loan forgiven. ( 10 %, which is what my promissory note states ).  My hope is that as a Federal agency, you will see how Sallie Mae has deceived me, and so many others into believing that they are paying a variable interest rate, not a made up arbitrary one using a formula that is NOT stated anywhere in the promissory contract, which they claim is calculated by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted Portfolio Recovery Associates on numerous occasions by email and usps asking for then too verify that they legally bought accounts bearing my name. To date the only response is a copy of a statement that does not even show my legal name. I have asked 6-10 times for a contract showing that this company owns any account showing my legal name, they 've never showed me any sales agreement showing my legal name, account numbers, or my SS #. They have not provided any evidence that any accounts they purchased included my legal name or account numbers, this is in clear violation of Kentucky collection laws. 
Kentucky law states that a statement describing the complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer ; and records reflecting the amount and date of any prior settlement agreement reached in connection with the debt pursuant to section 1.5 of this Part. 
This information needs to be completely removed from all credit reporting agencies since Portfolio Recovery Associates has not followed proper collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission. 

  I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee).  After this response, XXXX never tried contacting me again. 
  Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.

Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This creditor refused to update my paid account to the 3 major credit bureaus. I paid this account off

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 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up with XXXX to get a free credit score report. It made me go through many prompts and enter my information and charged me a {$1.00} starting there would be no additional fees without my permission. Since then, I repeatedly get money taken out of my bank account automatically for Experian. I never agreed to any services with Experian nor did I request credit monitoring or help.

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