milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I applied for a Citgold checking account with a bonus of airline miles for meeting certain spending and bill payment requirements. After meeting the requirements, I spoke with a chat representative who confirmed that the bonus offer was attached to my account and that I had met the requirements. When I checked back later to see when the miles would be credited, I was told that the offer was not intended for me and that I would not be getting the bonus. I was never informed that I was not eligible for the offer when I was allowed to apply. In fact, XXXX different reps from Citi confirmed the offer was attached to my account. I feel this was a fraudulent way for Citi to gain new business. If, in fact, I was not eligible, their system should have never allowed me to open the account with the offer attached ; their reps should have never given me misleading information confirming that it was in fact attached. They made money off of my charges to meet the bonus requirements and then pulled the offer.

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 02-02-2017 about Money transfers (Domestic (US) money transfer) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Fraud or scam

Complaint: On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our Huntington Bank and wired {$15000.00} to his XXXX account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing statement

Complaint: I have a deferred transfer balance which is due XXXX 2016, with no interest due until expiration of the deferral period. Howver, Chase is charfing me interest on new purchases, even though I pay those charges by the due date. They say that carrying a deferred transfer balance causes interest to be due on new purchases until the deferred balance is paid off, even though it is not due until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Payday loan () with Executive Acquisitions Group, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I have been contacted by a company Executive Acquisition about a payday loan I had with XXXX. I asked for them to verify the loan and the person I spoke with said at she would send the letter. She also stated that XXXX was a financial institution so she was going to sue me for attempting to defraud a financial institution and they were going to suspend my drivers license. She further added that although portions of her information was incorrect, the judge would not care about that part just the amounts owed mattered. After she sent the verification letter, it had only XXXX debt collector and no trace of XXXX or any of the previous collection attempts. 

I did my due diligence and found that XXXX is not a financial institution, it is classified as a financial service. And that even if they take me to court they can only suspend my drivers license for lack of child support payments and losing a court case involving an accident and not paying on the judgement. 

Needless to say, after educating myself and finding her information not credible, I was not in a big hurry to speak with her again. No after three days, she is adding some evading the payment or some such thing. I will be sending a certified letter to both organizations tomorrow. Apparently EAG is collecting on behalf of XXXX XXXX, XXXX. 

EAG claims to have strict adherence to fair collection laws but I have not found that to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Under the fair credit billing act the creditor must i have requested proof and clarification of charges in dispute, an addition to my balance which cause is yet to be displayed. I have not received written statements for my credit cards until the most recent billing statement. However, on two of my cards the balance increased without evidence of the charges made. Meaning USAA violated the time frame allowed by law to finalize billing disputes and reversed a decision it made over 12 months prior. However, these reversals are not  explained or shown on any statements. Since USAA restricted my online access I have been unable to get an accurate understanding of how much was charged back. Furthermore, I re-established my dispute of these charge backs as well as a few other billing disputes but have yet to receive written acknowledgement of these disputes. <P/>Seeing as there has been no clear or detailed explanation of how my current balance came to be, and USAA in a response to several CFPB complaints informed me they found me responsible for under {$2000.00} in previous charges, it is unclear why my statements have risen by over {$6000.00}. <P/><P/>I have made over a dozen requests and filed several complaints with the CFPB with this request and refusal of USAA to provider documentation to support the increased balances, explain the charges, verify charges previously disputed and found in my favor, all the investigation results and accurately depict my balance. These have all gone unheard. Thus, I have no way to pay my credit card bills seeing as I have not received accurate or detailed statements. USAA has failed to properly reflect charges or payments to my credit accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are still many mistakes in my report. In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX XXXX XXXX XXXX - XXXX : Unverified information XXXX Account # XXXX : Unverified 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 non-monetary relief
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX XXXX, 2017, I signed in to my Great Lakes account to make a payment for the month of XXXX. Because it was after XXXX XXXX, my account had fallen " past due. '' I made a payment for the full amount owed for that month ( which was just under {$500.00} ) and my account still remained " past due. '' It did not have any information supporting that a payment was made and was being processed. Instead, it said " please make a payment for your past due account. '' I decided to wait until the following day to see if my account status changed. The next day, the website still said " your account is past due, please make a payment. '' I checked with my bank and no charge was initiated or pending, so I believed the first payment had not gone through. The website should have stated " payment processing, '' or " payment received, '' or anything to indicate that, while the account may still be in a past due status, a payment for XXXX was no longer owed as this one was being processed. Instead, it was misleading and asking for an XXXX payment. As such, I made a second payment of almost {$500.00} for XXXX, only to realize days later that both payments went through. Great Lakes stated that I would need to wait a week for the payment to fully process and then could request a refund, which would take about 45 days. I believe their website is intentionally set up that way to mislead people into making additional payments when they are not necessary. I feel cheated out of an additional {$500.00} that I had not budgeted for this month. Great Lakes made no acknowledgment of the unreliableness of their website and I do not believe they will make any changes to make their payment collection more simple and less misleading for those who are trying to pay back their loans. I logged back in today, two days later, and my account still says I owe a payment for 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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have asked XXXX, Transunion, and XXXX for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.

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 12-02-2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (KY).
Issue: Managing the loan or lease

Complaint: Security national repoed my car when we had automatic payments saying we were 2 months behind and were not. They say we owe XXXX online, XXXX on the paper they sent us and 500 and something on the phone when they call. We only are past due XXXX dollars. They have the due date wrong in their system and whenever we fax the paperwork to have them change it they loose it each time and wont change it to the correct one. They are now telling us we are 3 payments behind and we are not. Im so tired of this company.

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 01/24/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX I have no idea how they received my phone number to call, but i did notice that they have accessed my credit report without my knowledge and consent. if they call they go to my voicemail due to being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent experian credit reporting agency evidence that the mortgage has been paid on time back in XXXX they are refusing to remove it from my credit

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've disputed a XXXX XXXX account with Equifax and XXXX multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and Equifax and XXXX. Equifax and XXXX continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I was paying our monthly mortgage payment to Seterus, Seterus stopped accepting our mortgage payments. We requested a mortgage modification with Seterus mortgage XX/XX/XXXX and on XXXX other times, they have refused to work with us. Seterus has taken our money and they have set several property foreclosure sale dates. We are still in the property and want to keep our home. The Making Home Affordable Modification Law is suppose to help people like me. I spoke with Seterus Foreclosure Attorney XXXX XXXX he said to me and my wife he was going to take my house and he and the mortgage company Seterus was not going to let me keep my house. There is a property foreclosure sale date set for XX/XX/XXXX. A thirty day notice was to be sent to me and my wife that is required by Tennessee Law I did not receive a 30 day notice. It is a Class C misdemeanor not to give a 30 day notice per XXXX Tennessee XXXX. 
Please help me to keep my home. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (I do not know) with Solutions To Portfolios, LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was called by this company 7 times before XXXX I called the number back and asked them to stop calling me and they still called back 4 more times, totaling 11 calls in 1 day, all before XXXX I feel that this is harassment. I called back a 2nd time and was told that whoever I spoke with the first time should have taken me off their list and did not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Summary : XXXX customer service gave me wrong information and led me to make a wrong decision. I demand XXXX to own up to their mistake and honor the cashback. 

Detail : On XX/XX/XXXX, I purchased airline tickets through XXXX Membership Rewards in the total amount of XXXX points. I also called XXXX customer service XXXX number and confirmed with them that I am eligible for 35 % points back when purchase tickets with Membership Rewards points. 

Fast forward to XX/XX/XXXX, I have not received the points back and called back to check. But they told me that I am actually ineligible for the points back. After reading the fine prints, I understand the reason I am indeed not eligible. 

Nevertheless, I purchased the tickets based on the WRONG information given by XXXX customer service. Should they told me I am not eligible, I would not go that route to begin with. With that, I demand I should be compensated accordingly for my loss as a result of wrong information from XXXX. 

I demand the 35 % points back of XXXX points I spent, which is XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Several years ago we opened a savings account at Wells Fargo because we already had a business checking account there. We were surprised to learn that we would also have to open a checking account and credit cards. We did n't want this, but our savings account was contingent on agreeing to these services. Was it legal for the bank to make this mandatory if we wanted a savings account? The maintenance fees, etc. just ate away at our resources.

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 01/20/2017 about Debt collection (Credit card) with ECMC Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Established credit card with this company on or about XXXX XXXX. This credit card was included the Chapter XXXX filing of XXXX XXXX, discharged on XXXX XXXX, XXXX ( proof attached ). However, this creditor is violating the order of discharge by attempting to collect this debt through a XXXX party debt collection agency ( Premiere Credit ).

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 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Continues to send demand letters and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: The PMI for my mortgage is due to expire XXXX 2015. It is still listed on my XXXX statement. I have tried, unsuccessfully, several times to contact Green Tree to ask about this. The XXXX XXXX individuals that I spoke with on XXXX XXXX thought that I was referring to homeowner 's insurance.. I then asked to speak to a supervisor. My call was forwarded and went to voicemail. I left a brief message, and my phone number, but no one returned my call. I called again on XXXX XXXX and asked to speak to a supervisor. None were available. On Tuesday I returned home to find a letter from Green Tree, saying that I had " orally denied that I owed my mortgage ''. That is completely false! The only thing that I denied was their request to use my office phone number to contact me if there was " a change in my mortgage ''. I tried to call yesterday, but when I refused to answer what my intentions are for my home, as I have done for each and every call, no matter how close together, they refused to put my call through. I have tried sending an e-mail through their secure site, but they will only respond via US Mail. This time, when I did try to use their secure e-mail, it would not go through. They list only XXXX phone number. My phone calls are not returned. I am seeking information about the expiration of the PMI, as noted in my original loan documents, on my mortgage before the XXXX payment goes through ( they only use automated payments ).

Company response to consumer: Closed with non-monetary relief