milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I made a mortgage payment on XX/XX/XXXX for {$680.00}. I receive an email stating my account was short XXXX. I want and put XXXX in my account on the same day I received the email to cover the mortgage and the company. On XX/XX/XXXX I received another email stating that the mortgage payment reversal for {$680.00}. and I was charge {$35.00} when the amount was in my account to cover the payment.

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 07/31/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I set up my monthly payment to be paid through my online bill pay through my bank, XXXX. It was set up to be paid on XXXX XXXX, 2015. Today, XXXX XXXX, 2015 I received notification from my bank I had been overdrawn due to Carrington Mortgage Services cashing my check before the XXXX XXXX, 2015 date on the check. According to representatives at XXXX bank, they informed me that Carrington should not have cashed the check before XXXX XXXX, 2015, and they viewed the check image that showed the date of the check as XXXX/XXXX/2015. My bank account has been overdrawn, and I received a fee ( XXXX is working with me and waiving the fee due to it being the fault of Carrington ). XXXX is not able to refund my money until later today or tomorrow at the earliest. I called and spoke with a representative from Carrington Mortgage Services and they said there is nothing they can do until the check is returned in their system, but agreed that they should not have cashed the check early. Now, I must wait to see if they try to re-deposit the check or if I will have to resubmit a new payment entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I was invited by Citibank to start my CitiGold relationship and earn a {$500.00} cash bonus under promotion code XXXX. During the past six months after I opened my CitiGold account, I have written confirmation from XXXX different CitiGold Customer Service representatives ( attached References XXXX, XXXX, XXXX ), whom also received confirmation from Citibank New Account Servicing ( NAS ) that indeed my CitiGold account was opened under and eligible for the {$500.00} cash bonus promotion XXXX. As required for the promotion, I completed my {$50000.00} deposit on XXXX XXXX, 2016 and held the funds in my account for 30 calendar days through XXXX XXXX, 2016 when my 90 day wait time began. My 90 days ended on XXXX XXXX, 2016. My savings amounting to over {$50000.00} has been tied down to this account for six months now with repeated assurances that I was eligible and would be receiving the {$500.00} cash bonus by XXXX XXXX, 2016. Citibank needs to immediately resolve the matter and deposit the {$500.00} cash bonus due to me.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless XXXX is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Equifax credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: false statement and representation XXXX XXXX SENT A GENERIC LETTER, XXXX XXXX MAY NOT BE A HUMAN, NOT A LIVING PERSON, MAY NOT EXIST. HIS SIGNATURE WAS ROBO SIGN AND PLACED ON THE LETTER ANOTHER EVIDENCE OF FRAUD ON CAPITAL ONE, Na no evidence of XXXX '' '' deceptive debt collection lawsuits based on flimsy or nonexistent evidence. by capiatl one, NA illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. " '' see cfpb as CFPB Takes Action to Halt Illegal Debt Collection Practices By Lawsuit Mill and Debt Buyer,,, " were not verified and might not exist, '' did not respond to QWR and assignment fraud violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. 
Lawsuits against consumers without sufficient basis. 
Filed lawsuits based on unreliable or false information. 
challenged the validity or accuracy of the ASSIGNMENTS FRAUD. capital ONE, NA did not obtain or review qwr,, the fraud assignments information. FRAUD FALSE FACT IN court filings. AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is regarding the Public Service Loan Forgiveness Program. I 've been with the same qualifying XXXX   employer since XXXX, have been in a qualifying repayment plan for the last 3 years after finding out that the plan I was in was not a qualifying plan, and have made payments on time each month. After switching to the XXXX XXXX as directed under the program for an assessment of my eligibility for the program earlier this year ( XXXX XXXX ), I  was just informed on XXXX XXXX, XXXX that none of my payments since switching to the qualifying repayment plan were qualifying payments. When I spoke to a representative from XXXX XXXX, she said that my prior loan server had me in a plan with loan terms that were not qualifying. Nowhere in the information posted on the Department of Education 's website about the program does it discuss the qualifications of a plan with respect to loan terms. I stated this to the XXXX XXXX representative who noted that there are a lot of details about the qualifying loans that are not posted. As a result, I do not know if the assessment of my payments is accurate to make the non-qualified payment determination. It 's also unclear to my while my previous loan servicer, XXXX XXXX, put me in a repayment plan with terms that do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Credit card protection / Debt protection

Complaint: I looked at my credit card account ( B of A ) visa card on XXXX/XXXX/2015. There was acharge from XXXX, a web site I had never visited or bought anything. I contacted bank & they will issue me a new card. I suspect that this may be a web site for fraudulent credit card transactions. If so & it will help others if it were shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was unemployed and basically homeless for a period of time. I had not received any notifications of my account being delinquent im sure FED loans records will show returned mail of some sort during the periods of supposed missed or late payments in question. I have been on a forebearance and was on one and renewed as well I should not have any late payments showing on my credit report but instead i do. all my student loans are reporting as 120 days delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: APR or interest rate

Complaint: I have a Barclays Apple Visa card. I contacted Barclays via a website message to add a 0 % financing promo to my account because I was planning on making a large purchase for the holidays. I then followed up via telephone to make sure the promo was indeed added to my account. A copy of my website correspondence is attached. Despite this, when my purchases posted to the account, they were not placed on the promotional financing plan.

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 12/23/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was in the XXXX in the month of XXXX XXXX first time since XXXX while in the XXXX XXXX, my mortgage was scheduled to come out of my bank account electronically, XXXX store did an EFT from a check i wrote AND deposited the check, and XXXX send my mortgage payment back to CHase FOR NSF. As soon as I found out I called Chase in the SAME month XXXX XXXX and explained I had documentation from XXXX and XXXX XXXX XXXX. The rep from Chase told me to just make XXXX payments in XXXX! I called on XXXX XXXX to make XXXX payments and CHase withdrew the funds AGAIN on the XXXX without any explanation, then reported my mortgage over 30 days late for XXXX! I monitor my XXXX score and it dropped it over XXXX points when I had NEVER been late on a payment of any kind in my life! I was going to sell my home in XXXX and closed on XXXX prior to selling I was told by Chase also that XXXX had to rent for at least a year before ANY lender would back me because of the 30 day late/CHase and faulty info given to me. CHeck my credit I have never been late on ANY payments EVER, had been a suscriber to XXXX for years, and had worked hard to maintain my above average credit. ( XXXX prior to my home purchase for my ill parents ) Thanks to CHase bank, I was naive, believed them and ended up renting from a SLUMLORD! I WANT MY GOOD CREDIT BACK! I have always been single and always financially independent and just XXXX person with ill advise from Chase literally ruined my life, at least the remainder of it. In addition, XXXX XXXX XXXX covered the additional mortgage payment Chase took out the next month in error, with my credit card..then proceeded to do a review of my credit, dropped my credit limit by {$5000.00} and which then reduced my score even more, ( made it look like i was OVER my credit limit! Trying to feel blessed ... and know I am .Happy holidays, moving AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with TD BANK US HOLDING COMPANY (FL).
Issue: Wrong amount charged or received

Complaint: OnXX/XX/XXXX I visited TD Bank branch in XXXX XXXX XXXX to complete international wire transfer. Employee XXXX was assisting me, I specifically requested the funds ( USDXXXX ) to be transferred in USD, while performing the task, XXXX XXXX me that the funds " switched to CZK '' when I asked why, he stated he did not know, I told him again, I really want him to transferred in USD, he replied that it would transferred to CZK and asked if I want the transfer to be completed or not ( misleading me to believe that the XXXX bank may be the issue, and there is nothing he can do ). As I was led to believe that there is no other way to complete the transfer than in CZK, I agreed. By this exchange transaction, I immediately lost approx XXXXUSD, resulting in further loss of another XXXXUSD when the funds had to be transferred back to USD in the bank in XXXX. Since I was led to believe that this was XXXX bank issue ( and not TD ), we contacted the bank and was advised that the transfer was incorrectly performed by TD. When I contacted the TD branch, I was advised by the assistant manager XXXX, that the funds can be easily transferred in USD, that the system is just " a little tricky '' and if the funds are converted, you have to exit the transfer and start again. When I contacted the manager of the bank, she was rude, uncooperative, and when I met her in person and spoke to XXXX, he was lying about " offering me to exit the transfer and re-start the transfer in USD '' ( which he certainly did not, nor was he probably even aware of the issue at the time of the transfer, and it was exactly what the assistant manager advised me prior, and I repeated to the manager when I talked to her on the phone earlier that day ), he said that I was fine with transfer in CZK that I really did not care ( not true ), and the manager advised me since I signed the transfer form, there is nothing she can do for me. I wrote letter to TD Bank corporate office in attempt to resolve this issue, but never heard back. I am deeply disappointed and concerned with TD process and unwillingness to address this issue. The transfer fee was XXXXUSD ( which would be all I would pay ), however, by the incapability of their employee and/or defective system, TD instantly gained additional approx. XXXXUSD by converting my money to foreign currency. It certainly raises a question how often this happens ( I doubt I am the only one who experience this issue ), and if TD is aware and just does not want to correct this issue ( there certainly was not any effort on TD side ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Mortgage (Home equity loan or line of credit) with M&T BANK CORPORATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for loss mitigation help with M & T Bank. They denied the request because I had a short term lease that became month to month. They said this was not stable income. 
I reapplied with a new year long lease and they say they will not look at the application and I am not able to reapply until XX/XX/2017 with no reason for this provided.

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 03-01-2016 about Debt collection (I do not know) with High Point Asset Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Elderly ( XXXX years ) relative I do not reside with has received this message repeatedly : I have requested that the company does not call and yet they continue to receive repeated calls. 

" [ My name ] You now have until XXXX today to call our office or your file will be forwarded without your input and further action may be taken i can be reached at XXXX it is imperative that you call us back today all attempts have been documented. '' The term " further action may be taken '' seems to imply legal action.

Company response to consumer: Untimely response
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is reporting  XXXX  separate  XXXX  energy accounts in my name in  XXXX , Texas.     I and my husband have lived in Nevada and I am attaching property records from  XXXX   XXXX  of the condo we live in currently since   XXXX  .     I have never done business with  XXXX  and this information needs to be removed as  XXXX  has not responded to me with proof that these accounts are mine, no papers with signatures or phot o IDs.      Why there are  XXXX  accounts opened on the same day is beyond me and why they would allow that is also beyond me when they should have pulled a credit report and would see that I live in Nevada.     Please instruct th  e Credit Reporting agency to remove this from my credit report immediately.
Regards,    XXXX   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 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. 
Alleged creditor is XXXX. Purchased phones from XXXX XXXX 2013. Not satisfied with service. Returned phones within 10 day satisfaction period. XXXX attempted to collect {$320.00} for termination. At first attempted to not allow portage of phone numbers to XXXX. After 3 1/2 hours at XXXX, vendor in store was finally successful in accomplishing this. 
When I requested for XXXX to provide a copy of the contract proving the debt was valid, they did not. After attempting for several months to collect by making harassing phone calls, XXXX turned the {$320.00} amount to an initial debt collector. 
This debt collector actually sent written communication about collection. I requested that they provide written documentation that the debt was valid ( any documents such as a contract ). Just like XXXX, they did not. 
This debt collector then apparently sold the alleged debt to another collector- AFNI. I did not receive any written communication from them about collection. I believe this may be in violation of the FCRA. They made several harassing phone calls. I requested that they provide written notification about attempted debt and to not contact me anymore until they have provided that. They never have. They also have not provided written documentation that the debt is valid. Since they never gave written notification as to what the debt was ( XXXX ), it has not even gotten to the step of my requesting that they provide written proof of the debt. 
Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. 
Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. 
My credit score was XXXX prior to this item. I have had only XXXX missed credit card payment due to a delay in the mail on my report prior to this. It is now down to XXXX because of this item. I disputed it and Experian indicated that it is valid. I am not sure how AFNI was able to prove that it was valid since they have never communicated with me via any written form. I would like to have this item removed from my report entirely and also pursue legal action against AFNI due to violations of the FCRA. 
Please advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: MY BALANCES FROM MY STUDENT LOANS ARE BEING REPORTED ON ALL MY CREDIT REPORTS WITH A HIGH BALANCE BUT MY CURRENT PAYMENT IS XXXX DOLLARS, BASED OFF THE INCOME DRIVEN PAYMENT PLAN. BANKS KEEP QUESTIONING ME ABOUT THIS AND IT IS MAKING IT MORE DIFFICULT FOR ME TO GET A LOAN BECAUSE OF IT.

Company response to consumer: Closed with explanation