milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have been a long time user of Citibank NA. i have been depositing income from my personal job, which is not steady in any way. Citibank delays my account fund and makes a small amount available as normal. Ive made deposits and payments to my accounts to make sure that my bills are paid with this time lag. recently however, they have delayed or put holds on my deposits for a week or more - causing multiple overdraft fees - even when it shows pending deposits. they return the payments as a credit - charge a {$34.00} fee each time and then shorten my funds and keep extending the time for my funds to be available. right now almost {$200.00} in overdraft fees have been assessed and ive had to re apply multiple payments to my bills. I went to two different branches to try to speak to a manager to address their issues and policies. The teller staff informed me that their policy is to delay funds due to their no direct deposit nature - that my account is inconsistent and they cant help me in any way - that i just need to change my payment due dates. I asked to speak to a managers - both we were busy despite my wait time. i requested call backs from both and neither complied. I am going to seek a new bank and begin the transfer process but i do want to make this complaint to be addressed. being self employed should not be punished this way - or ignored.

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 02/21/2017 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: THIS COMPANY IS FALSELY REPORTING TO CREDIT BUREAU THAT I HAVE LATE PAYMENTS. I HAVE NO CONTACT OR ARRANGEMENT WITH THIS COMPANY.. I DO N'T OWE THIS DEBT THIS DEBT IS A FRAUD HAVE ASKED FOR ORGINAL INVOICE THEY HAVE REFUSED OVER TRWO YEARS AGO.

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 09/24/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had an account with XXXX XXXX that was Fraud some how PORTFOLIO RECOVERY # XXXX now has it, I had previously disputed this account.I do not owe this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed many items on my credit report with all three credit bureaus and Transunion is not taking my disputes or providing me any evidence of the accounts that I so call owe on. XXXX removed all accounts that I disputed with them, but Transunion keeps removing and putting back on the same accounts. I sent in police reports of dates when I had personal information stolen from my vehicle. I have disputed the same accounts with them three different times.

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 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: see attachmentthere are numerous errors and Experian has refuse to send information per my letter. Experian delays process over and over again. I need the information I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Consumer Loan (Vehicle lease) with BTS Motors, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: I had got a car out from my mother from XXXX and which in XXXX she was not able too work and pay on the car.. So I called too see what could be done and had told me to return the car and sign a paper and also had said that is was not going to affect my credit cause it was gon na be as a volunteer return all of the payment we 're paid.he said it was gon na be a XXXX balance on my credit so it woundnt affect me.. In which XXXX XXXX I checked my credit and it dropped stating I was 90 day late on payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a citi gold checking account on XXXX 2016 in that I received the offer for " get XXXX Thank you points by opening citi gold checking account and make 2 qualify bill pay activity ''. I opened the required checking account and made required bill payments. However, when I call them again in XXXX and the citi bank customer service said I was not qualify for this promotion. Nevertheless, when I called in to open the account with the promotion, the customer service representative did not say I disqualify the offer. Now they refuse to give me the points.

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 04-02-2015 about Debt collection (Federal student loan) with CITIBANK, N.A. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2010 I was giving an forgiveness loan from Citi Bank then the loan file went to XXXX XXXX, from there XXXX then from there XXXX XXXX Of XXXX XXXX, and then XXXX XXXX went into my account and took out 170 dollars, I send them proof and had not heard from them at all but still 170 dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, fax him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They robo-dial my number from XXXX. When I answer a computer picks up and says wait for an account manager. I wait then it hangs up on me. This has been happening for a week now. When I call in a automated system answers and outs me in que eventually a human answers and Identifies themselves as American Medical attempting to collect a debt.

Company response to consumer: Closed
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had some services with XXXX, i recall when i started services, they where going to spray the outside, any entrance to the house. and also removed any spiders webs on the outside of the house. when the first appointment happen they did n't not do the things they mentioned as far as removing the outside spider webs. to my knowledge there was a pre scheduled for the next three months. they never showed up, supposedly they called. please note this has been a while ago. As of yesterday i got an email that this acocunt was turned in to collections for {$50.00} dollars. i dont even know how they got my SSN #. The collection company is Thunderbird Collections Specialist. i have contact TCS INC, and paid the debt and requested to be taken out of my credit. Now my issue is how did XXXX get my SSN which i do not recall giving it to them. 

Please note, this complaint is against XXXX and not towards TCS Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing statement

Complaint: In regards to Case number : XXXX. What they 're telling me is not an ethical solution. I am not going to be paying interest on a card for 3 months that ca n't be used. There is no such clause. Nor is it legal. Now if they want to cancel it they cancel the balance as well. I am paid up. They are fully aware of what transpired. Furthermore the balance is incorrect. There have actually been balance issues all along as far as the monthly statements go. I called a XXXX who left a voicemail. She never returned my call. Today I received your email with their resolution of 3 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA

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 09/13/2017 about Debt collection (I do not know) with Clearview Resolution Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not know what they are referring to because they will not tell me what it is referring to. I am in a Chapter XXXX. But they have called me repeatedly before XXXX XXXX and after XXXX XXXX Then they called my son! He texted me about this and I told him to go on scam alert and see all of the complaints. But now he may get repeated calls from them to get me to contact them. Which I did and nobody would tell me what this concerns me about and why the harassing phone calls. I am afraid they will start calling my work! Which I saw some of the complaints that they did on some of these victims. I am on the Do Not Call List and they are not recognizing that. I have not received a letter or anything on what this is about! They have threatening me on the voicemail that a petition is going to court and I must call them in 72 hours to appeal it. Appeal to what? This phone call happen on XXXX XXXX, XXXX at XXXX XXXX and left a message. Then when I called them today XXXX XXXX I was a little bit upset that they called my son and was told that I must be fully calm or they will end this call. I was firm about what is this call about and they would not answer my question. So I told them I would be filing a complaint. Beware of Clearview Resolution with a phone number XXXX and they use other numbers to call you. They are based out of New York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC. 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof fro there company. 
Letter sent to Enhanced Recovery to cease collecting and delete from my credit reports on the false claim of debt is attached.

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 12-09-2017 about Debt collection (I do not know) with Nelson Cruz & Associates LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX. calling for my son who has not lived at our house for 20 years. I have continued to tell agencies to take my # off list and I still get calls. they stated that if my son did not call back they would put a lien on property owned my another son and his wife. my # is a do not call # on the registry and has been for many years and these agencies keep passing a collection around and calling. We settled all claims over 20years ago but a hospital had not filed claim with insurance company properly for an accident in which a drunk driver crashed into our son. 
I have been hounded long enough and when someone threatens I can not stand silent. 
FGM

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a second complaint to Bank of America regarding the refinancing of my home. This complaint should be linked to Case number : XXXX ; applicable to New Loan # : XXXX ; and Old Loan # : XXXX. 
Bank of America has not provided any resolutions for my first complaint as of today, XXXX/XXXX/2016. However, to make matters worst, I got a letter in the mail this weekend indicating that I have an escrow shortage of {$2400.00} on my home loan and that I must pay this amount. Otherwise, my new monthly payment will change to {$2100.00} due on XXXX/XXXX/2016. My first mortgage payment, which is due this month ( XXXX 2016 ), was set to be {$1800.00}. Why the sudden {$300.00} increase when the agreement had been a different monthly mortgage payment? Was it a miscalculation? What is going on with my home loan? 

I am extremely frustrated. No one at Bank of America wants to be accountable for the mistakes they have made while processing my new loan. Not only did Bank of America not fulfill my original request of refinancing the house to cover the property, the total closing costs, and the set up of a new escrow account, but now I am being asked for additional money for a shortage in my new escrow account. I really do not understand what is going on. At this point I am not sure if I was mislead or misinformed on purpose, or whether Bank of America is just being deliberately careless when processing their loans, or whether this is retaliation for making my first complaint, which has not been addressed yet either. 

Bank of America is now affecting my finances as it did not only make me lose the {$3000.00} from my old escrow account, but now it wants an additional amount of {$2400.00} from me, which may not be much to them, but it is a lot of money for me. If I would have known I was going to run into so many issues, I would have never refinanced with Bank of America. After 20 years of loyalty to Bank of America, I am extremely disappointed. The refinancing of my house has turned into a big nightmare.

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 11/18/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing

Complaint: I signed up for a XXXX XXXX through Chase primarily for the advertised benefit of {$100.00} off of airfare booked for XXXX people. Once I had the card and actually tried to use the benefit, I found that you can only book airfare which is more expensive than the best price offered by the airline, or a travel site, completely negating the advertised benefit, if not actually making the " discount '' price more expensive. They are advertising a false benefit for this product.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Balance transfer fee

Complaint: I called AAA to active a credit card. I was told about a balancetransfer, Interest free until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2018 about Debt collection (I do not know) with Professional Placement Services, LLC (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX Professional Placement Service called twice before XXXXXXXX XXXX using an automated system saying they are a debt collection company and requesting me to call XXXX. Caller ID has Professional Placement Service. I didn't call the number since they don't mention a person 's name that the debt is regarding. This robocall is calling a business phone number. The posts on the internet from XXXX XXXX website said that this is a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continued to request for verification and validation of the alleged debt but to no avail. This debt is not mine. I do not owe the amount requested and they continue to switch collection agencies and therefore making it impossible to get the validation. They filed a bogus item on my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I contacted TransUnion on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting act as to there failure to respond in a timely manner.

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 10/25/2017 about Student loan (Federal student loan servicing) with MOHELA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Greetings, I have frequent and distressing problems with my loan company, MOHELA. My current problem is that they revoked my deferment ; while confusing ( I was under the impression from them that my XXXX enrollment was sufficient through XX/XX/XXXX! ), they also did so after a barrage of bizarre messages that appeared to change my loan terms from when they was instituted ( e.g., XX/XX/XXXX -- these were consolidated loans ), then notified me that a standard payment was due with less than 10 days warning. 

Further, they have ( and still do ) present me with conflicting information. I managed to get that first payment in by XX/XX/XXXX ( {$260.00} ), in fear of getting a 'late payment ' tag, but they were also telling me at the same time that a payment of a different amount ( {$270.00} ) was *first* due on XX/XX/XXXX. There is still conflicting information on their website -- it both tells me that a payment is due on XX/XX/XXXX ( {$270.00} ) and that no payment is due. Interest is accruing, however. 

Finally, I received no official explanation for the change in terms, nor why they instantaneously increased my Current Principal to {$21000.00} from {$20000.00} ( an increase, without explanation or warning, of {$400.00} ). 

I have asked them repeatedly for an itemized accounting of every aspect here, and they have stopped responding and refused to provide one, even after I indicated last week that I would contact you for help. At least once a year, I have some event like this occur with this company ; things only ever get sorted when I contact the CFPB or the Federal Loans Ombudsman. 

I am attaching a screenshot of my account after my recent payment ( as of today, XX/XX/XXXX ). 

Thank you for your assistance in getting MOHELA to account to me the circumstances of my Federal Loan. 

Best, XXXX XXXX MOHELA Account : 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 05/15/2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further action on this matter. I just received another notice from my mortgage broker that he ca n't proceed until my credit reports have been corrected or updated. Records are still showing collection account. I want immediate action to correct this matter and retribution from RCS for fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received 8-10 phone calls at my place of business relating to debts owed to someone with the same name as me. The representatives have been rude and unapologetic. I have returned their phone calls 3-4 times, each time giving clear information that I am not the person they 're looking to contact, and that they need to remove me from their records. Each time I was told they would do so. Today I received another call, and on my return call back I spoke with a supervisor and reiterated my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation