milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with Integrity Group Inc (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was contacted by Integrity group with the help from you so that I could receive a refund on fees charged to me by them. The fee was {$290.00}. However they put down all of my information wrong including address so I did not sign since it said a check would be mailed to that address. I notified Integrity that the information was wrong and provided the correct info. I have still not received a response from them or the check. This has been over 2 months now.

Company response to consumer: Untimely response
Consumer complaint received 03-06-2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Late fee

Complaint: PayPal Credit Card charged me a {$35.00} fee on XX/XX/2017 for a late payment. On XX/XX/XXXX, I tried 4 separate times to make a payment through their website, was told it was " unavailable for maintenance '' after logging in. The automated phone system rang busy for 15-20 minutes at a time. I was able

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical treatment received from an automobile accident. The 3rd party and XXXX accepted responsibility. The insurance company states this has been paid. After sending documentation numerous times and discussed on the phone, the debt collection agency continues to call, send mail and reports to the credit bureaus. I have had to send documentation to the credit bureaus to have this removed, sent documents to the medical facility, insurance company and debt collector with continued harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Trouble during payment process

Complaint: This is a general complaint about the mortgage industry. As a XXXX I understand the workings but as a homeowner I am XXXX off about it also. I go to a lender to get a loan for a house, I choose a reputable company to do business with and do my due diligence in selecting a company with a good track record and customer service. Just about every company will then sell my loan to someone else to service for the life of the loan or until it is sold again. This is my problem, I have no say in who is able buy and service my loan, I get nothing but a headache when dealing with them. They do not estimate my escrow correctly and now I am hit with an additional $ XXXX/month. When they took over my loan the monthly payment dropped over a hundred dollars, so I knew this was coming at some point. It does not take a rocket scientist to look at taxes and insurance and come up with an escrow plan. But for someone on a fixed income or tighter budged could be XXXX. I cant even refinance with a good company because there is a good chance that it would then get sold and who knows I might end up with the same horrible service company I am with now. 

I think consumers should have the RIGHT to say yes or no to who services their loan. I would never choose a company with horrible service or a bad track record when it comes to escrow management. I know this will never see the light of day but as a XXXX this is a problem that needs to be addressed as the consumer has no choice in the matter and it is WRONG! 

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 03/23/2016 about Credit reporting () with CITIBANK, N.A. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Company has hidden interest charges and charging too high of an interest rates on my account stating that there was a special promotion, but at the time of purchase on eye wear there was no mention of it being a special promotion. Sales person said that if you use our coupon you would get more of a discount off your purchase. ( Sears )

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 12/30/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Trouble during payment process

Complaint: I refinanced my mortgage with which I had to make escrow payments with a different company. The mortgage was serviced through another provider, XXXX The new company paid the loan in full on XX/XX/XXXX. The company says they mailed me a refund check on XX/XX/XXXX. I spoke with someone through chat about not receiving the check at the beginning of XX/XX/XXXX The escrow refund was reissued on XX/XX/XXXX because I complained that I had not received the check ; my guess was they did n't include my condo 's Unit number and the check was sent back. I was told that was the correct reason and they would include the Unit number. I have not received the check that was originally issued or the check that was reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (I do not know) with Allied Interstate LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: -Ocwen is a crooked mortgage company forcing people to forclose! I have been trying to do a mortgage modification for 3 months now.Every time I call I get the run a round.They never received my paper work or my time has run out I need to fill out another 

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer 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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my score

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have repeatedly sent this company written proof that this alleged debt was the results from identity theft, and they will not validate the alleged debt, but continued to make threats to me that they are filing a court case against me if I do n't provide them with a credit card for payment today.

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 07-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: This money was sent to purchase a truck which was thought to be through ebay motors. once the transfers were made the individuals involved gave a delivery date and we were waiting on the tracking number which never arrived. we have tried to contact these individuals with no reply. there was no problem with communication before. now thy do n't exist. this was our savings and fraud has been commited.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I want to open a savings account but can not. All my collections are more than 10 years old. Please remove any restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Problems caused by my funds being low

Complaint: Please refer to this Case number : XXXX and XXXX. 
Completed Form XXXX was sent on XX/XX/XXXX by usps postal mail. Anyway they had my SSN and all the details from XX/XX/XXXX so not having XXXX with SSN is a mere excuse. Now they are sending letter for collections even when i was never sent the statements in the past ( got it after opening the last CFPB case ). The current letter is regarding overdraft charges which are also incorrect. I just want to close this inconvenient account and have my {$400.00} promotional cash back.

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 01-06-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AK).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XX/XX/2017 I tried to log into my Coinbase account ( bitcoin, lite coin, brokerage website ) shortly after which I was denied access to my account and my XXXXbit coins, XXXX eithirium and XXXX coins ( now a value of over {$20000.00} ) later I was sent an email telling me that account had been locked due to eligibility restrictions. I have sent emails and called multiple times with the promise that my account will shortly be reopened and my issue resolved, It has been over 2 months at this point and they havent made any efforts to work on my problem or even update me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: Approved for trial payment in 2016 with XXXX XXXX stated not to make payments while on trial. at the end of the trial XXXX sold loan to Carrington. Carrington is now charging me for 6-8 month of payments while the loan was with BOA. Carrington is currently holding all my payments in escrow with no resolution. Carrington has sent me intent to foreclose letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I called Capital One on XXXX XXXX, 2015 about a bank error resulting in my account being rebilled in error for {$1000.00} on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. He confirmed it was a bank error and told me he would resolve the issue one the same day by issuing me a credit. 
After waiting on hold and being disconnected once, XXXX transferred me to his supervisor XXXX ( Agent ID XXXX ). XXXX told me that she would not resolve my issue, but would forward it to a department that could. She stated that it would take 30 days for me to receive a credit for the error. XXXX stated she was unable to issue a credit for the mistake or to send me a message or email confirming that the issue would be resolved. 
I also wrote a secure message to Capital One on XXXX XXXX, 2015 requesting resolution to the error, and received a generic reply on XXXX XXXX, 2015 referring me to a telephone number for the disputes department. 
I called Capital One again on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. She told me again that it would take 30 days to get a credit, and stated she could not provide a message or email confirming that the issue would be resolved. 
I closed my credit card account with Capital One at this point and paid off the remaining balance minus the {$1000.00} rebilled by Capital One to my account in error. 
I am very disappointed that this error occurred, and dismayed at Capital Ones refusal to immediately correct the error. I am sure that if the error were made in my favor, they would take quick action to remedy the situation. 
Here is a list of the transactions related to the original charge and culminating in the charge made in error. 
XXXX/XXXX/2015, XXXX XXXX XXXX, {$1000.00} billedXXXX, Contested Charge, {$1000.00} creditedXXXX, Charge Refunded by Merchant, {$1000.00} XXXX, Credit Rebilled, {$1000.00} billedXXXX, Credit Rebilled Again, {$1000.00} billed

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX years old XXXX and I can not read or write. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I paid off my Capital One credit card years ago. I just never closed the account because I thought it would look better on my credit report to have a zero balance than a closed card. When my new card arrived after the old one expired it had a sticker on it with directions to call for activation. I kept this sticker attached and never called. I filed the card away in a safe place. Years go by and I forget I even have/had this account. Suddenly in XX/XX/XXXX I get alerts that the card is being used. Immediately I call Capital One. I get nothing but the run around. No hassle card?? This is anything but. I pull out the card to reference it & the valid dates are XX/XX/XXXX thru XX/XX/XXXX. Keep in mind this card was never used, the account inactive since XX/XX/XXXX. This card was NEVER activated. After several calls they send me what looks like a novel in the mail with with a ton of paperwork to fill out about the charges. Then I have to check off each & every charge that I claim is fraudulent. That 's EVERY charge!!! Pages & pages of them. I fax the many pages to them. Get another past due bill in the mail. More calls made. Turns out after all this they did n't close the account or flag it?! How does someone continue to make purchases, does this bank have any common sense? Call again & order the account to be closed. Finally get a notice on the mail everything is resolved. Two weeks later another bill for past due amounts. I call again. Apparently only some of the charges were resolved as fraudulent, not the later charges. This is going on 5 months now. What a joke. Honestly feeling like this bank is nothing but a giant scam. This particular card has an expiration date of XX/XX/XXXX. Is this a coincidence that after years of inactivity just months before the account expires again there 's hundreds and hundreds of dollars charged? Some that required a currency exchange so obviously out of the country? I 've never even been out of the country. Either the company itself is a giant scam or employees are stealing the information. No other way anyone would have had access to the account, it was n't even an active account. Not only would I never recommend anyone ever do business with this bank, I highly recommend closing accounts if you have them & do n't let anyone you know use this company for any type of loans or credit cards. Still not a resolved issue, I could n't be more annoyed or frustrated. Do n't walk away from this bank. Run. I 'm actually nervous they have my information in their system, I do n't trust them one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Address wrong. Never lived in XXXX ever. 
Born in XXXX and never lived anywhere else except the XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
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 contacted Trans union about a problem with an update on an account I pay on this on time all the time for over 2 years.
I noticed in   XXXX   that it had not been update since  XXXX .
I contacted them and Her English was poor at best, asked me some questions about the account.
She told me to get my payment history and submit it.
Never did she say what would happen next, I decided to let it go and hope it would get resolved after discussing with the Dealership.
They completely took not 1 but 2 loans off my report.
They were both in Very good standing without a missed or late payment ever.
Trying to rebuild your credit is hard enough, But have inept workers who barley speak or understand English in a job like this is unacceptable.
All the effort into getting this resolved has fallen on def ears

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 12/13/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Credit card protection / Debt protection

Complaint: Sears Credit Card a subsidiary of Citi Bank sent an unsolicited notice that they were " Upgrading '' my card to a Master Card. A few years back they used this same ploy and I received the card, again with out my approval, and had to contact them to reverse the process. The deceptive practices used in the mailing sent are like any other solicitation for a credit card except in the fact that you have to opt out rather than accept their offer. Also the " upgrade '' contained no information on the rates that would be charged with this new card possibly creating a financial difficulty for those who did no catch the " opt out '' requirement.

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 12/28/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage company will not allow me to make a partial payment and in turn charges me late fees on the full balance

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