milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2017 about Debt collection (Mortgage debt) with PNC Bank N.A. (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: X/XX/17 The Honorable Consumer Financial Protection Bureau, 1. Please be advised that the joint tort feasors of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, PNC BANK NATIONAL ASSOCIATION, SUPREME COURT OF THE STATE OF XXXX XXXX COUNTY OF XXXX have colluded to unlawfully force a private property forfeiture under color of law with deceptive practices causing daily physical and mental anguish by the threat of Being thrown out of or losing your home by a false debt. 2. Whereas, the family home or domicile has been scheduled to be sold by alleged Trustee and on the steps of the unconsented commercial court on XXXX XXXX, 2017. 3. Any judgement in favor for the alleged plaintiff is unjust and want of equity. 4. This action must be stayed and vacated with no encumbrance on said property arising from a foreclosure and the public reflecting such. All above tort feasors have clouded the title and caused daily harassment, slander, libel and disturbance of the peace by calls and letters seeking to buy a property up for sale. 5. The public officer of XXXX XXXX XXXX did not have an required Oath of Public Office require by NYS law. XXXX XXXX XXXX did admit that she was not acting judicially 2-3 times. 6. Jurisdiction was challenged and not answered.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Student loan (Private student loan) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: Tried to consign a student loan for my daughter on  XXXX / XXXX /  XXXX   at  XXXX  and I was denied due to   XXXX   Report which said my SS was deceased.       XXXX   informed me t hat Citizens bank is the lender who said I was decided. Spoke to several representatives at citizens bank and it will not be repaired much sooner than 30days. A grievance was filed by the bank employee. This dealing w citizens bank  occurred on  XXXX / XXXX /  XXXX  . I am the only ci- borrower who can coding my daughters loan and there is a  XXXX  dollar late fee!! Tuition was due upon remittance which is now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX sent me a refund check in the mail for the amount of {$600.00} on XX/XX/XXXX. I  deposited it through my mobile bank. Bank showed check went through. The next day the check came back out with a fee of {$5.00}. I called my bank they said it said " referred to maker. '' I called heartland XXXX they said check was cleared, they said they would look into it and get back to me with what they found, never did. I called back and they said check is cleared and nothing they can do and they would look into it to see what was going on, never heard back. I called today XX/XX/XXXX and they said they could n't do anything and for me to call and file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/16 XXXX cancelled my insurance policy without notifying me in any manner. In a letter dated XXXX/XXXX/16 I received a partial refund check of {$490.00}. I received this check in the mail on XXXX/XXXX/16. Therefore this was my first and only notice that the policy had been cancelled. My policy premium that I paid was {$2400.00}. I immediately advised the XXXX agent XXXX XXXX that I had n't received the remaining {$1900.00}. XXXX refused to pay this amount. They held this money and would not release it until I was " forced '' by the agent to sign a form. 

They continued to hold my premium money for a month and a half. On XXXX/XXXX/16 I finally received only a portion of my premium. The amount was {$1800.00}. I am " still '' owed {$140.00} of that premium. I do not owe them any money. They in fact owe me the remaining {$140.00}! 

I have now received a debt collection threat totalling {$49.00} from CREDIT COLLECTION SERVICES in XXXX MA. 

Based on XXXX 's cancellation I do not owe XXXX any money, they in fact still owe me the remaining {$140.00}. 

I am being harassed for this money that I do not owe and am being threatened with this going on my credit report and affecting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Using a debit or ATM card

Complaint: I called my finiancial insitution ( JP Mrgan Chase ) this morning to file a REg XXXX claim on a transaction that i made but cancelled the same day with the merchant. I attempted 3 times to cancel the transaction with the merchant and i was not successful so i called Chase to dispute the transaction. The first that i spoke to XXXX XXXX XXXX was very rude and was not willing to assist me. I mentioned to the rep that i made the purchase and decided i no longer wanted the transaction to go through and so i cancelled it within an hour of purchase. She told me that she couldnt help me and that since i made the transaction there was nothing she can do. I spoke to manager named XXXX and she was raising her voice, telling me that since i know it all that i should know that i cant file a claim. the merchant has more rights then me the customer. the manger did not want to file the claim for which my reg r rights were violated. I have the right to dispute transactions on my account with the bank. the manager told me that she cant break rules for me and that she has a family and bills to pay and couldnt risk her job, which i dont understand how i was asking her to break rules. Very bad customer service. I was on the phone for over an hour trying to file a claim and get my money returned to me. Asked the rep to file a claim and process a chargeback against the merchant since i cancelled with the merchant before the transaction even posted. No claim was filed. I told the Manager that i was going to contact my attonney and even said i would cancel my account of over 15 years she told me to do what i needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX and XX/XX/XXXX, I submitted inquiries via XXXX 's online system requesting information and an explanation as to how my income based repayments were being distributed amongst my loans. A far larger portion of thte payments is being applied to the lowest interest rate loans, despite my having previously submitted requests, in writing, regarding application of payments ( namely to highest interest rate loan first ). I have been unable to determine whether the distribution of payments ( again, a substantial amount of principal on the lowest interest loans, but only a few dollars on all others ) is required, or whether fedloan should be abiding by my request regarding payment distribution. I found no applicable information on XXXX 's site. XXXX failed to respond - I received neither electronic, written nor telephone response to my question, beyond an email confirming receipt of my submitted inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is not helping me at all! It all started with my forbearance plan and was trying to extend it but my home specialist never returned any phone calls and so it expired. Now trying to modify the loan and not even asking for pay stubs! There r a number of issues my court date is XXXX XXXX 2016 I will fight to save my poor little house. I work XXXX jobs and the specilist is reading from a screen help me please! I know I 'm 1 of many! Thank u XXXX XXXXXXXXXXXX

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 02/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: My case is about a withdrawal of cash from an ATM, the ATM only gave me the receipt of the transaction but NOT the money, this happened for 2 consecutive days, the bank approved the transactions and they took the money Of my checking 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 explanation
Consumer complaint received 06-07-2017 about Payday loan, title loan, or personal loan (Title loan) with EXETER FINANCE CORP. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I had a car loan from Exeterfinance company. I payoff my car loan at last Wednesday ( XXXX XXXX ) and I called and required Exeterfinance company to release my tittle ASAP. The customer service told me they already submit my reqeatment and I will be able to go to DMV to get my title around Friday ( XXXX XXXX ). Then I went to DMV on XXXX XXXX to get my title but I was told by DMV that I need to call Exeterfinance company to release my paperless title in order to process my title. I called Exeterfinance company at XXXX and I talk to the customer service representative XXXX tell her I need them to release the paperless title for me. She said her already submit my case I will be able to get a fax about the release paperless title in next few hours. Therefore I was waiting for the fax from XXXX to XXXX after that. But utill XXXX I still did not receive the fax then I called the Exeterfinance company again at XXXX this time the customer service told me usually the fax will takes 24hours to finish they are sorry for the incorrect information etc. I was very upset, disappointed and frustrated. That was my fourth call to require my title release after I payoff my loan and they keep lie to me. This is unbelievable, unprofessional, and incredible. But I have anything to do just keep waiting until today after 36hours they told me I will be able to get the fax about they release my title but I still did n't receive the fax. Therefore I had to call them again this XXXX. I called three times the first two time they were very rude they said because I 'm in California so I will not be able to be release my title until 10-15days.  Then I told them to listen all the phone calls I had make in the past days and they will know what representatives were telling me about the lien release and what did they promise me when I am going to get my lien releasing documents and I also told them I want to record the phone call in order to save evidences that to protect my rights. After I said I want to record the phone call the manager she hung up my phone call right the way. I was shock and sad. How can they treat the customer this way?
I 'm in California that I can get my title release even fast via the electronic system which was the DMV told me the Exeterfinance will be able to release the paperless title for me right the way. I just need my title back after I payoff my loan. How can they not willing to do it and keep lie to me? I hope someone from the Government can help me with this. I need to get my title back I 'm living in California state. I have the right to require my title back after I payoff my loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XX/XX/2017 - {$1.00} was charged to my closed credit card account When my account was requested to be closed over 3 months ago, BofA did not monitor fraudulent deposit going into my closed account for 3 months and they did not send me my final bill.

In a letter over 30 days ago, BofA stated that they will not assess any fees to my closed account till all the fraudulent deposit was reversed/expensed out and they will provide me a final bill. Then on XX/XX/2017, they went back and charged me a {$1.00} late fee and went back on their word.

The problem was BofA did not give me a final bill because there were over {$10000.00} of fraudulent credit going into my account, while they were reversing the money laudering credit with the use of my closed credit card account ... they never send me a bill saying how much I was to pay, I made assumptions the last month and mail some money in, then a statement showed up now that I still owed

{$50.00}, off course, if that 's the final bill to end this fiasco, I had made an immediate overpayment with the {$1.00} minimum interest charge included. But please, as my 3rd CFPB complaint, send me my {$1.00} for screwing with me!! ... of which {$1.00} divided by {$48.00} x 12 months = 37 % annualized interests being charged ... BofA are crooks!!!

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 06-09-2017 about Debt collection (Medical debt) with South Mississippi Collection Services Inc. (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: O n XX/XX/XXXX  I was served a summons for a medical debt with multiple accounts dating back to  XX/XX/XXXX . I li ve in Mississippi, which is also where the debt was incurred. The statue of limitations is 3 years in Mississipp i, Medical debt is exclud ed however only when due to a government entity  ( ie-county hospital ). This debt is from a privately owned   XXXX   XXXX   XXXX   and was assigned to a   collections agency at 60 days. The judgment issued is for  XXXX  different  XXXX , which they rolled into   XXXX .  I attended the court hearing and brought up the statue of limitation and also questioned debt collector on the agreements for the debt, which they did not have. The judge allowed a continuance for the debtor and I will have to attend court again o n XX/XX/XXXX . The ju dge said medical debt is not subject to the statue of limitations, however I have also attached a letter from the attorney general which provides proof that this debt is invalid. I would like to file a FDCPA complaint

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 03/26/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OR).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX, I took out a line of credit through Synchrony Financial in order to purchase a new mattress. I committed to making a {$200.00} payment each month in order to pay off the loan before the promotional period of deferred interest/no interest ran out. I made a {$200.00} payment after receiving my bill in both in XXXX and in XXXX. In XXXX, my statement arrived after the bill 's due date of XX/XX/XXXX. I believe the statement was mailed late on purpose in order to charge me a predatory late fee of {$27.00}. 

On my XX/XX/XXXX statement, the late fee appeared with a past due amount. I made a {$400.00} payment in early XXXX ( for my XXXX and XXXX payments ) but instead of paying off {$400.00} toward my balance, {$27.00} went to pay the unfair late charge. I enrolled in Autopay after this incident because I no longer trusted the company to mail my statements on 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 monetary relief
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Turning Point Solutions LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received and answered calls from a company claiming to be Advanced Capital Solutions @ XXXX. I have asked them repeatedly to mail ( via XXXX mail ) me correspondence concerning the dept they are attempting to collect. They never disclose that they are attempting to collect a debt. They have demanded I pay over the phone and are still giving me the run-a-round about mailing out any information concerning the debt they are attempting to collect. I plan to also report them to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with Progressive Financial Services, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have had several phones calls for a XXXX XXXX. This is totally not her phone number, never has been, nor does she live here. Why am I receiving her calls? I 've asked XXXX now to please not call this number again. It is the wrong number. Both times I was told this number would be removed, but no luck so far. Offending number this time was XXXX. Internet says it 's a debt collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  X/X/17   , I made an e-paymnet through Best Buy 's payment system, for the amount due of {$61.00} ; the payment cleared my bank the same day. On   XXXX  , Best Buy (  Citibank )  contacted me and indicated I was 10 days late and assessed a late fee of {$35.00}. I indicated that I had paid the amount the automated system indicated was due . Citibank re p 's only reply was that the paper statement indicated a different amount. In shor t, Citi 's auto mated payment system appears to have not kept pace with billing. When I called a representative to attempt a fee waiver, the rep indicated that this was not my first late ; and that they would not waive the fee. I 'm puzzled as to the relevance of such a statement, when the issue pertains to their e-payment system, not MY pay history. I paid what their system indicated was due, within the timeframe it was 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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   shows medical bills unpaid that should not effect my FICO score   XXXX    dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally  XXXX  should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by  XXXX  and they continue to ignore my request!

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 10/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit card protection / Debt protection

Complaint: I was recently informed by my credit card company that a merchant I visited had a security breach and as a result, the credit card company would be issuing a new credit card for me to protect my account. However, when I requested the name of the merchant with the security breach, I was informed that information was private and could not be disclosed to me. As a consumer, I find it shocking that I am not allowed to know which merchant had a security breach and potentially exposed me to further security concerns though my credit card company is allowed to know. Thank you for your assistance.

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 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as XXXX inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX, RI the XXXX I used ), XXXX XXXX, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft victim, police report # 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 07/15/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Capital One 360 Account with promotion code XXXX  going to web address https : //www.capitalone.com/bonus400/. This was to receive a {$400.00} bonus when opening a checking account. The terms were as stated : ( 1 ) must be the primary account holder and has to be your first 360 checking account ( 2 ) must accept the terms on a new 360 Checking Account by XXXX XXXX, 2017, and ( 3 ) receive 2 direct deposits of {$250.00} or more within 60 days of accepting terms and conditions for your new account. You will receive the {$400.00} credit to your checking account.
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I completed all of these steps and still have yet to receive the bonus. When contacting customer service by chat I was told that I was n't going to receive it. When I opened the account I put in the code and it accepted it and told me I would. This is fraud by Capital One.

Company response to consumer: Closed with explanation