milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: A short sale was initiated with Wells Fargo the beginning of 2015, over the course of this year Wells Fargo has continued to delay the process, requesting the same documents over and over and over again, these documents have been submitted via their fax line and emailed to womomever the current file owner is at the time. The documents are confirmed to have been received however a week or two passes and they ask for the same documents over again. This file has been escilated to the executive offices at Wells Fargo and they then reassign the file and the process of submitting the same documents over and over begins again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: When Costco switched from XXXX XXXX XXXX XXXX XXXX to Citibank, Citibank decided to change the cash award period that they paid in XXXX to cover a calendar year instead of the XXXX through XXXX period that XXXX used. This meant that even though Citibank paid the award in the same month as XXXX XXXX XXXX XXXX, they only paid their customers for 11 month of their cash awards instead of 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 02-07-2017 about Payday loan () with 2288984 Ontario Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a payday loan of {$570.00} in XX/XX/XXXX. The first payment was due on XX/XX/XXXX, of {$270.00}. Paynent was successfully paid. I told XXXX, That I would like the payments to be paid on the XX/XX/XXXX or XX/XX/XXXX of each month. She said OK. I contacted her to let her know that I had change my bank account because, someone had taken XXXX from my account. Even so, the bottom line she is saying in order to pay this account off I need to pay on the tenth of XX/XX/XXXX {$420.00}. and that is only a payment. I asked what was the interest she said 0.5 percent interest. The next payment I do not know what she will add on. I needed the money and I feel this is a rip off. Can you help me. In addition I believe the interest is totally wrong. 0.5 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Other

Complaint: I have been receiving telephone calls from it seems Citi-Bank on my number at XXXX. The number calling me is XXXX. It is for a Sear Credit card. I do t have a Sear credit card. I have spoke with someone from Citi several times and today they have called me 5 times. I want and need for this to stop. They wo n't give me information but want my name and SS #. I do n't think so. If these people continue to call and harass me again I 'm suing. 

Thanks 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 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: collectionSeventh Avenue has reported a debt to my credit report. I do not know where this debt came from. I disputed it with the credit bureaus and they said Seventh Avenue verified the debt to them. I have requested copies of physical documentation to validate and verify this debt and have been ignored. 

A company collection named XXXX stated they had no information concerning this account also and removed their status. Seventh Ave has not and they claim to be the original creditor. This is violation my FCRA and Fair Debt collection rights. How can they report this information with out any proof?

Company response to consumer: Closed
Consumer complaint received 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (IN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is a personal Loan through Wells Fargo. Made a payment XXXX on XXXX/XXXX/XXXX and it appears to have been applied by looking at the statement from XXXX/XXXX/XXXX, but that same statement says that I owe XXXX. The original payment is XXXX, but I always pay a little more. This same statement has another payment of XXXX which I did not make. I started the calling process as stated below : XXXX Spoke with  XXXX and was told that part of the office was closed. 
XXXX I call back and spoke with XXXX who said the money was refunded to my bank. That is not true because I have reviewed all of my statements and called my bank to make sure that that I did not miss seeing the refund. She stated she was going to initiate a form for research. Once completed she would call back and would leave a message if she could not reach me. I have not heard back to date. 
XXXX Spoke with XXXX who said she would look into my account and get back with me- I heard nothing to date. 
XXXX Spoke with XXXX who told me that the payment was not received so it shows XXXX outstanding. She did some checking and mentioned that it was refunded back to my checking account with Wells Fargo. 
That account was closed and has been closed for some time because I never used it. When I get online I can not see the account either. 

Every time when speaking to a representative I state that I made a payment and continue making my payments, but they are not being applied correctly. When I spoke with XXXX, I told her I sent a payment from my bank on XXXX/XXXX/XXXX, but she did not see that it had been made. Wells Fargo continues to charge me late fees despite me making the correct payment on XXXX/XXXX/XXXX. 

I want your help in correcting this problem.

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 11/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: It has been seven long years since the financial meltdown. I have spent several years of my life attempting to do a loan modification on my own house and a rental property. 
The banks and " investors '' that own these loans are just paying lip service to us. 
The banks have only paid fines and now they are bigger than ever and just asreckless. XXXX XXXX has not seen any of this money. Inflation is high to the people that are paying bills and actually go to the store to buy food. 
The handling of this has created another reminder that there are XXXX sets of laws. 
Not one person has gone to jail or lost their position and yet they came so close to destroying America. 
Oh. It also created another department of government- the CFPB. 
I have complained years ago about this same issue and so have many others, but nothing has been done. 
Heck, XXXX sends people to jail just for shorting positions. 
I can only say that me and many people I talk to are fed up and disgusted at theability of the greedy and unethical to continue to thrive in this country. 
This sounds like a rant- because it is a rant and complaint because NOTHING has changed. 
* After completing this process, I have one question. 
What makes the CFPB any different than the XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loan is with NAVIENT, I have called several times about my loan and each time they could not offer me an affordable plan so they only offered forebarance of my loans. The interest just kept adding up and now they are almost double. I have called 4 times in an attempt to agree to a payment, each time i call i am given a different amount to pay. The last amount i was given was {$170.00} which was not easy for me but i did not want to continue on this path of not paying. I received several bills for over {$1000.00}. it does not add up. When i call about it they always give me a new number to pay and send a bill for way more than that. Something is not right here and something needs to be done about it. They have also been unable to produce the note to my loan. " it has been coming in the mail '' for quite some time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2016 I placed a stop payment for a transaction from XXXX XXXX. The stop payment was setup incorrectly by the bank ( wells fargo ). Instead of the bank addressing the error. I was told I had to file a claim under the regulation E guideline. The bank admitted it made a clerical error. However they are stating I have to file a claim for a electronic transfer. I believe this is a bank error and would like to have it addressed as so. 

The clerical error is that the XXXX TRANSACTION was present as XXXX however was setup as XXXX. 

If the stop payment was setup correctly the transaction would have not posted to the account.

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 08/31/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ARA continues randomly harass my family. Talking to my mother in law and others not authorized to speak to. They call and say I owe money from an old XXXX account. I have never had a debt which went to collections or charged off. I contacted XXXX who has granted me a large mortgage and credit cards after this supposed charge off. They could not find any account which was EVER delinquent in my name or social security number. It has been ongoing for years. ARA threatened in the past to contact my employer and want to serve papers. They also are now using a fake caller ID which says XXXX. They also continue to check my credit report without authorization so that they can get my new phone numbers and address. In any event I told them to serve me papers to settle it in a court of law in connecticut. They have been also made aware that even if I did owe money ( which I do n't because I never opened this account or was late ) it would be well beyond the statue of limitations in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Payday loan) with ZARVAD III S.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This loan was taken out XX/XX/XXXX and paid back over months. In fact, they continued to debit our bank account even when the balance was paid in full thru XX/XX/XXXX. The alleged lender is XXXX. Recvd a call from XXXX XXXX XXXX threatening to sue if debt is not paid. This is the XXXX contact we recvd for this alleged loan, the first was XXXX XXXX alleging XXXX XXXX XXXX as the lender. A Cease and Desist letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: While deployed I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Requested Equifax, XXXX and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form XXXX show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached Equifax credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with PNC Bank N.A. (NC).
Issue: Rewards

Complaint: ok, in XXXX 2015 i got a pnc bank credit card. the paperwork said spend XXXX dollars in the 1st 3 months and get XXXX dollars cash back. on XXXX XXXX at XXXX a XXXX said yes you will be getting your money. so on XXXX XXXX i spoke to XXXX. sounded like a reasonable man. he said theres been an error, you need to spen XXXX dollars to get your bonus. he said ill give you till XXXX XXXX to spend it. he also said you only need to spen XXXX more dollars to reach that mark. well before XXXX XXXX, 2015 i spent XXXX dollars, meeting the criteria neccasasry. i called on XXXX XXXX, 2015 and spoke to a woman, name unknown, she said yes call back on XXXX XXXX, 2015 that will be 60 days/2 billing cycles from XXXX XXXX and you will get your XXXX dollars cash back. thank you i said. so i did call on XXXX XXXX at XXXX XXXX to be exact. he gave me a complaint number. that number is XXXX i was contacted via phone by a XXXX, last name didnt get he said ill call you again after an investigation has been done. his last reply was friday XXXX XXXX almost XXXX XXXX. he said im sorry to tell you you didnt meet the qualifications to get your XXXX dollars. i said the occ will be contacting you. the occ turned me over to you the cfpb. a woman, XXXX called monday with a v-mail. not an answer. ok XXXX number is XXXX XXXX number is XXXX did i mention on XXXX XXXX, 2015 a woman XXXX at pnc also said yes you will be getting your money. pncs mailing adrress is pnc bank XXXX XXXX XXXX, XXXX, XXXX, XXXX another pnc number is XXXX thats preety much all i have. i also have XXXX XXXX dollar credit. so i want a check mailed to me for XXXX dollars to XXXX XXXX XXXX XXXX, XXXX XXXX thanks for your help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to Equifax in XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, XXXX XXXX  is not reporting they have my Mortgage. It still reports as New York XXXX Bank and Paid. 

My Credit score has dropped XXXX points ( No outstanding Credit. ) I even have a letter from XXXX XXXX stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with NY XXXX XXXX. 

I have contacted XXXX XXXX over 11 times since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE Equifax even had my residence as one I had not lived at for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Credit card protection / Debt protection

Complaint: On XXXX 2016, XXXX ( a computer online back-up service ) made charges to my account that were not approved. I made contact with Bank of America to file a fraudulent claim against the charges. Bank of America told me to make contact with XXXX and try to resolve the charges before making an official fraud claim with them. I contacted XXXX and told them that the charges that were made to my account were fraudulent and were not valid or approved. XXXX used my Bank of America credit card number that was more than two years expired to make the charges for their services ( again which I never approved ). Somehow, even with a credit card number that was more than two years expired, the charge was approved through Bank of America. 
I then called Bank of America back and explained what had taken place. They told me that the XXXX charges were approved because they were charged against a valid and active credit card account ( which is true ), even though the actual credit card number that was used was more than two years expired, that is why they approved the charges. I wondered to myself how this could happen with a credit card number that was more than two years expired? I never signed up for any reoccurring service plan. 
My problem is that the XXXX charges were not made by me, approved by me and it seems that Bank of America does not seem to find this troubling in any way. This credit card is not in active use, it 's been the 2 years since I 've used it, for XXXX. This should have been a red flag that this is not a regular occurance. Banks moitor cards all the time for irregular use. 
What happened to actual credit card fraud and trying to find ways of of stopping it from happening in the first place? I thought ( forgive me for being ignorant ) that if and when a credit card number becomes expired, it means that the number no longer works and the merchant would have to pursue the customer for updated information. However, if Bank of America is approving these fraudulent charges and making the " approvals on behalf of the card holder '' based on a more than two year expired card, what kind of security and consumer rights are in place? Better yet, if they are making the approvals for the card holder when an expired card is used, why should the card holder be responsible for the charges?

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 02-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my wife and I did a mortgage modification with XXXX the payment of XXXX included principal, intreste, and the repayment of back taxes for 55 months. The loan was transferred to Nationstar mortgage who has now done an escrow reevaluation and are demanding I pay them XXXX starting XXXX. Our taxes and insurance will stay the same. I called Nationstar mortgage and asked to speak to a supervisior they kept me on hold 30 min then hung up on me. They are in violation of our modification with XXXX. My wife and I were in forclosure and had to file a bankruptcy this company Nationstar is being very unfair and illegal. This is causing my family much distress. By the way XXXX goes toward escrow each month x XXXX XXXX my taxes are only XXXX my homeowners insurance is XXXX per year the total for taxes and insurance are XXXX as you can see I have a positive amount of XXXX I hope someone at the CFPB is able to help our family in this stressful time thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with EOS Holdings, Inc. ().
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other service problem

Complaint: company : coinbase.com and XXXX ( same company ) XX/XX/XXXX : Open my account XX/XX/XXXX : I am not longer able to access my account in Coinbase.com and XXXX I have sent numerous emails and called numerous times. They send a form letter say they are looking into my account. I have over $ XXXX in assets with this company. 

Please help! This is my entire life savings stuck in this company

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Taking out the loan or lease

Complaint: I took out a car loan 5 years ago through santander consumer u.s.a. I have been making payments of {$330.00} for  XXXX  years. My original price for my car loan was just over {$14000.00} and I took out a 72 month loan. I have given this company over {$18000.00} and my balance states that I still owe over {$7000.00}. Last year I inquired as to why my principle was still so high and they informed me that my interest rate fluctuated based on when I made my payment. I looked over the paperwork and it says in there what my interest rate is, which was about 18 %, and it does say it can vary but it says no where in there how they determine the interest rate. So if I was a day late they could jack up my interest rate to the max after  one day l ate. They also reported my payment late for several months even though I have a chat record that says I was never late. They have been preying on my families finances and now I have a car that is at leas t   XXXX   XXXX   under  appraisal and I have no end in sight for my loan payments. I have several chat transcripts that displays their incompetence. I have also requested them several times to send me everything that pertains to my contract and each and every time they send me my payment history and that is it.

Company response to consumer: Closed with explanation