milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: The Citi Bank checking account opened XX/XX/XXXX and {$15000.00} was deposited XX/XX/XXXX as required for the bonus {$400.00} offer which was initial deposit with {$15000.00}. This deposit has been almost 6 months now. However, I am still waiting to receive the bonus {$400.00}. Communicated with Citibank reps, I 'm eligible to get the bonus such as proper promotional code used, {$15000.00} funded outside of citi account, and it matured more than 4 months without any withdrawal fund. Rep told me that also XXXX form has been received and certified for tax purpose. No reason to delay to get bonus. I am tired to contact the over the phone and their secured message. It leaded here to camplain as last resort.

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 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting a mortgage that does not belong to me or my husband the account number that shows is XXXX the account shows foreclosure started, I need this remove from our credit. 

XXXX XXXX XXXX XXXX is reporting that they were included in my Chapter XXXX Bankruptcy account number XXXX, XXXX was not included in my mortgage and I need it removed from my credit this wrong reporting cost me my loan.

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 08/23/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This company is reporting a tax lien that has been withdrawn by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: Hello, Recently I tried to set up automatic payments on my Chase charge card, but the online choices were only minimum payment or payment in full. It is obvious that the plan is to stretch out payments for the many people who take advantage of automatic payments, but do n't want to go online to make an additional payment every month. I believe this strategy unethical and must be changed. For example, XXXX gives the customer a choice of minimum payment plus an additional amount. 

In order to improve payment plans for consumers, payment choices must be more flexible, and beneficial for the consumer! 

Please fix this problem! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We made several attempts to speak to someone at Portfolio Recovery Associates these past few months. In every attempt this company would hang up on us. This debt was settled by XXXX back on XXXX/XXXX/14 and signed by XXXX XXXX an associate at Portfolio Recovery Associates. They are now trying to collect the remaining balance even though they agreed to a lesser amount. We have the PDF from XXXX of the settlement amount signed by XXXX XXXX, a representative from Portfolio Recovery Associates. This has been negatively affecting our credit for over a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I pulled my credit report about four months ago and I noticed it was a collection on there from Commonwealth Financial Systems , Inc . I had never heard of this before and they did not send me a letter in the mail about about this debt. 
I have written to Common Wealth Financial Systems, Inc three times since about XXXX 2017 asking for Validation of this Debt and a HIPPA Authorization. I also asked them to please do the following : - To please provide a breakdown of fees including any collection costs and medical charges - To provide a copy of my signature with the provider of service to release my medical information to you - To Cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian told me that my security questions were incorrect and that they were based on a third party website when I tried to have my fathers name removed from my credit record. I called on XXXX/2017 at approximately XXXX XXXX. I was told that they could not provide a reference number for my request because the answers, including my mothers maiden name were incorrect based on data from a third party website. I asked to speak to a manager. They said that was not possible because of call volume but that they would call back. 

Someone whos caller ID showed as XXXX XXXX XXXX, XXXX called back at approximately XXXX XXXX. I have no accounts with XXXX. I was told that I had an  existing relationship with a membership service with Experian. THe caller still refused to provide a reference number for the request. This request was initiated at XXXX. I was informed throughout the entire process that the calls were being recorded. They should have those records. 

I wish to have the incorrect name removed from my credit record and to have Experian be required to provide reference numbers for transactions when their own website requires you to call them because they can not /will not process them on-line. This is a consumer rights catastrophe if you allow the credit reporting agencies to treat their unwilling targets in this way. With all of the problems that have occurred with XXXX, it is very disconcerting to have one of the alternative credit reporting agencies also fail spectacularly.

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 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone used my SS # to open a account with XXXX XX/XX/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I called Capital One Financial Corporation a few weeks ago in order to get account statements from 2011 to the closing of the account for tax purposes. Since the account has been sold to a collections agency, they refused to send me the account statements and instead told me to contact the collections agency that owns the debt.
I am not yet ready to start paying off the debt and am concerned about predatory collections agencies making life difficult for my family and myself so I need to be able to get the account statements from CapitalOne without engaging with the collections firm.
I have already talked to the Office of the Comptroller of the Currency and relevant California state agencies about this issue and all have redirect me to the Consumer Finance Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently am getting my wages garnished by some phantom judgement sent to my job from pressler and pressler. I do not know what this is about, I never got one notice in the mail until the judgement was made and I could do nothing about them taking my wages! These shady and ileagal tactics these companies use to collect a debt is wrong and dirty! First, off I do n't remember having any XXXX credit card or anything dating back to God knows when. They said they got the account in 2012 and not once did I hear from them about this! This is serious! They are taking {$140.00} a pay check that I ca n't afford! I do n't make much to being with, and with all the other bills I am drowning in debt! I call them they ca n't help or do anything! What good are they, but they are quick to sue me for no reason! I will complain everyday until I get this solved and they clearly explain what this is and give me a chance to defend myself the right way! Venue I looked online does n't even exist anymore and we 're a shady company too!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: I applied for and was approved on XXXX/XXXX/16 to receive the American Express Platinum charge card with a XXXX membership rewards point bonus for spending {$3000.00} in the first 3 months. I had met the minimum spend requirement and received the XXXX point bonus on XXXX/XXXX/16. My account was then adjusted and removed the XXXX bonus points on XXXX/XXXX/16. I have called and contacted American Express membership rewards program, and they have cited that I placed spend on prepaid or re-loadable cards or other cash equivalents. I contend that I met the minimum spend without violating the terms and conditions, and the bonus XXXX points were wrongfully removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account reporting late on XX/XX/XXXX and XX/XX/2015 when account was never past due.

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 09/28/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Service was completed in XXXX XXXX. I received a letter from the debt collection agency while I was out of the country end of XXXX XXXX, but the date on the letter was prior to me even receiving the statement from the medical office. I received the statement from XXXX XXXX on XXXX XXXX, XXXX, I paid the bill on XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX after I received a voicemail from the debt collection agency. They confirmed that this bill was never submitted to a collection agency and they showed I had paid all outstanding balances. I requested they send me a paid statement, which I can provide.

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 07/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen does not approve me for a loan modification due to incorrect value that they have in their system, I have forwarded them a certified appraisal report about 1 month ago and they have still not changed my property value, they keep denying my modification saying that I have equity in the house and the NPV test has failed. I want you to intervene and have my property value changed to the certified appraisal value so that they can re review my application and approve me for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Closing on a mortgage

Complaint: I am in the process of selling my mobile home. When the closing attorney 's office went to the DMV to do a title search they found out that XXXX ( now Ditech ) had a lien on my title. They tried to contact the company but they would not talk to them because it was my property. Mind you, XXXX was my mortgage company when I first purchased the home in XXXX and I re-financed the home about 10 years ago with XXXX and I 'm not understanding why they did not obtain my title at that time but anyway, I contacted the company and they told me that a lien release letter needed to be sent to an email address ( only contact to this department is via email or fax NO # to call ) and they told me to provide as much information as I could because they could not locate an account in their system and it would need to be researched. So, the closing attorney 's office sent in this information and got an email back stating that the release was in process but NO information about where it was going ... It has been 10 days, numerous attempts from me to find out what the lien-release process is and where the information is being sent to, DMV/Attorney 's office/ME NOTHING!!!  This is holding up closing of my house and now the new buyers are having to pay to extend the loan until this problem is solved. Can someone please intercede here and help me resolve this issue??

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Homeowner had   XXXX   home security system dates XX/XX/XXXX  for {$2200.00}. Homeowner sold home In   XX/XX/XXXX   and cancelled system. Homeowner asked  XXXX  that new homeowner would like to keep the system and  XXXX  agreed to keep the system in the home and transfer the service to new homeowner.  XXXX  mislead the homeowner that  XXXX  failed to provided required services to new homeowner and is requesting full payment of contract for services not provided and not functioning after home was sold and contract closed by homeowner.   XXXX   is claiming debt owned but no services have been provided to warrant amount owed.
Further,   XXXX   debt collection agency did not provide valid claim to debt within proper notice. Additionally, homeowner provided written notice to debt collection agency to cease communication and debt collection agency continues to communicate with homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan was serviced by XXXX. I have 2 problems : 1 ) They calculated/amortized interest incorrectly. 

As I paid it off every month, some months th iterest expense would be higher than months prior, even though the balance was decliing. 

I took into account the fact that some months have more days than other months. 

I emailed them and called them about 5 times. 

They insisted their accounting was correct. 

I was a XXXX, and I can tell you they over-charged me interest. 

They just sold the loan to XXXX, so they mno longer have my loan. 

I want XXXX to reimburse me for over-charging on interest. 

2 ) On my equifax report - this loan shows under " Derogatory '' category. 
I never missed a payment. When my wife and I considered Chapter XXXX bankruptcy, filed for it, but then VOLUNTARILY had the case dismissed ; being that it was a federal loan, it automatically went into deferral status. I never wanted to quit paying this loan, and never did, but while we considered bankruptcy, they refused payments form me. 

I would like this removed from " Derogatory '' by Equifax and the other credit bureaus, via XXXX 's request. 

i would also like all 3 credit bureau to further mention that my Chapter XXXX bankruptcy - in XX/2013, docket # XXXX, was VOLUNTARILY dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XXXX XXXX 2017 opened account with, XXXX XXXX XXXX XXXX. they started running hard inquiries they did three in one a month, two on same day XXXX XXXX 2017 and shared my information with suntrust bank that ran a hard inquiry with out my permission contacted XXXX XXXX to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.

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 04/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my Equifax report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been paying my student loans but noticed during the last two months my principal/interest ratio has increased ( the interest applied has doubled compared to what was applied to interest during the prior two months ). Therefore the amount going to principal has decreased significantly. See below XXXX/XXXX/2017 Payment {$630.00} Principal- {$180.00}, Interest - {$440.00} XXXX/XXXX/2017 Payment {$640.00} Principal- {$230.00}, Interest - {$400.00} XXXX/XXXX/2017 Payment {$960.00} Principal -- {$730.00} Interest - {$220.00} XXXX/XXXX/2017 Payment {$620.00} Principal -- {$500.00} Interest - {$120.00} XXXX/XXXX/2017 Payment {$340.00} Principal -- {$230.00} Interest - {$100.00} Also, my Bar Study loan ( private loan ) has been in an " administrative forbearance '' for three months now but no one at Navient seems to know why it is there. I have continued to make payments during the forbearance but I have been told since the loan is in forbearance status, there will be an accumulation of interest that will be applied to the loan once the forbearance has ended, even though I have continued to make monthly payments during the forbearance. This does not seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: DEBIT CARD WAS OVERCHARGED WITH UNAUTHORIZED CHARGES NOT MADE BY ME.BANK OF AMERICA WAS NOTIFIED   XXXX   AND TODAY  XXXX / XXXX /  XXXX   CREDIT WAS REVERSED AND ACCOUNT ENDING IN  XXXX  WAS CHARGED  XXXX , WHICH I DISPUTED!

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 12/28/2017 about Debt collection (Mortgage debt) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I received a letter from First Continental Mortgage Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
First Continental Mortgage and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and First Continental Mortgage are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now First Continental Mortgage is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
First Continental and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why First Continental Mortage and XXXX XXXX XXXXXXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and XXXX  and XXXX and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
First Continental Mortgage, XXXXXXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.

Company response to consumer: Closed with explanation