milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been called numerous times a day for over 2 months from XXXX Callers on my work cell phone. They would not tell me what it was regards to until XXXX/XXXX/15. Before this date, they would only tell me they were collecting a debt for {$43.00}. I have spoke with them on countless occasions and asked to please send me information in the mail in regards to this and I would be happy to pay it ( if it was legit. ) They told me on many occasion they would send me something in the mail. After being told this over a two week period of numerous calls, I finally asked to please stop calling if they were not going to send me anything in the mail. They continue to call and have become very rude and harassing. Tonight I was harassed by an employee by the name of XXXX. I tried to nicely tell him to send me something in the mail. I stated they sent something in XXXX and " there is no point to send anything else because I obviously do not pay me bills. '' He also stated I " should have paid my debts and he would not have to call me. '' When I asked to speak to his supervisor he told me '' NO, you are going to stop talking and listen to him! '' He would not give me his information until I argued with him for over 5 minutes. I finally was transferred to his supervisor, I explained the situation and she told me my number would be removed from their call list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: I received a promotional mailer in XXXX or XXXX of XXXX to open a CitiGold Checking account & receive XXXX XXXX XXXX miles. I opened this account & confirmed on XXXX XXXX, XXXX that I had completed the steps necessary to receive the bonus XXXX miles. I was told on XXXX XXXX, XXXX & XXXX XXXX, XXXX that I would receive the bonus miles no later than XXXX XXXX, XXXX by a customer service representative. On XXXX XXXX, XXXX -- upon inquiry as to why the bonus miles had not posted to my account -- a customer service representative told me that I was not eligible for the promotion as I was not " targeted '' for the promotion. I completely disagree as I received a mailer for this promotion. Sadly, I discarded the mailer sometime during the spring, but I think it 's egregious that Citi would require me to hold on to a promotional mailer XXXX months after its initial receipt. Additionally, Citi has charged me $ XXXX/month for an account service fee without notification regarding the failure to post my account opening bonus.

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 06/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Trouble during payment process

Complaint: Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage.   We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Paid three loans in full while on a temporary deferment. I resumed payments only to be told now that my monthly payment went up because I only have one federal loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: Hello. 
I 'm currently trying to apply for mortgage loan, during the process my credit report is showing that one of my installment loans with Fifth XXXX Bank is reporting a late payment. I been paying them and never missed a payment with them. Also if you notice In my credit report I have never been late on any of my loans and credit cards. Also I contacted Fifth Third Bank regarding this issue and they have advice me to contact FTC to get it resolved. This is very important that I get this late payment removed, it 's report in all XXXX bareu and affecting my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Medical debt) with AmeriCollect (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or About XX/XX/2018, after reviewing my credit score ( XXXX ) I contacted the XXXX XXXX company in XXXX, Wisconson about a new collection/chargeoff. After providing my personal information the agent stated that, I owed that debt and the only way to settle it would be pay it off. Being unemployed and XXXX I needed no more setbacks, I honestly wasn't sure of the many doctors visited which one it was ; I just didn't need my credit score dropping anymore. The amount the agent stated did not match the amount on my XXXX report and she said it was for another bill due to that same hospital?? so she added that on. I asked what I could pay and she said she would see if they would offer a settlement, she returned and said they offered a 20 % discount and that I would have to pay it all at one time, and this would be written as paid off on my report. So I agreed to pay it off in mid XX/XX/XXXX likely with tax return money. I later found out she misrepresented herself and gave false information regarding any arrangement/agreement or contract with this hospital to settle. I also believe she violated my rights to fair credit collecting practices and manipulated me into paying on a debt, without giving me any evidence that I owed. I had no contract with XXXX XXXX, beforehand and was coerced into that mid XX/XX/XXXX payment as the only option available. At a minimum If XXXX XXXX, is willing to accept a " settlement '' payment they should have provided me a written statement validating the debt, the original lendors willingness to settle and the outcome this would result on my credit report. Non of this was provided. I have never had a CREDIT CARD ( except secured ) and its these very same tactics that exploit our attempts to establish credibility and credit worthiness. My credit score has been adversely effected by these collecting practices and reporting. I went to XXXX to begin a dispute however on XX/XX/2018 after successfully logging in I was unable to select any fields or enter any statements. So I am left to begin a mail in process and hopefully have this resolved. Your assistance in this matter is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (PA).
Issue: Other service problem

Complaint: They are not sending my banking information in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Prepaid card (General purpose card) with U.S. BANCORP (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: A 1-2-3 Rewards debit card issued through Kroger by US Bank was cracked again. This time the card was hacked for about {$120.00}. This is the second time this has happened in the last year. 

Last time it took their XXXX division months to resolve the issue. I was told I would receive a refund, but I never did. I called them several times about the refund but only got jack around by customer service. 

After I complained about the compromised card this time, I was locked out of my account. 1-2-3 Rewards customer service is usually rude, they act like they do n't care, and have hinted in the past that the result of the hacking was my fault. That is a preposterous notion! 

I have lost confidence in these people, they did n't resolve the problem in the past, and they were not willing to work it out. I hardly heard from them. 

I would like a full refund of the amount that was on the card before the hacker ( s ) made an unauthorized charge to the card, and then I want to close the card permanently. 

I was a good customer, for a long time, but I can see that they do n't value good customers. I have little faith that I will ever re-coop the funds that where electronically stolen form my 1-2-3 rewards card backed by US Bank, so I will be a good citizen and inform the authorities. 

I trusted Kroger with my funds, they let me down ; therefore the breach in security was not my fault. This happens everyday to people. Gradually, day-by-day, consumers will abandoned credit cards, because they will be tired of getting ripped-off by cyber criminals. 

Avoid all prepaid credit cards!!! BEWARE!!

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 05/28/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX. My phone number is ( XXXX ) XXXX. My E-mail address is XXXXXXXXXXXX. I am in an identity case of the Court of Appeals of my State of the court case number XXXX. I have also filed a FTC ID theft affidavit serial numbered XXXX, and filed a I.R.S. form XXXX .I think people have taken loans out in my name that cost me money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: The collection agency XXXX XXXX is still showing on my credit report from XXXX. This collection agency has reported to to all credit bureau 's that it was paid in full and due to it being a Fraudalent account, they have sent The request it to be deleted permanently from my credit file. Also in the documents attached and previous dispute. XXXX XXXX responded that this collection should be deleted. XXXX has npt followed orders and has this collection listed as paid, with a balance of $ XXXX closed account. But still listed on my credit report under paid collection. I have sent documents from XXXX XXXX that was mailed to me, a previous dispute with a response from the collection agency stating to remove this collection entirely from my credit report and proof of a photo shot document that it is still listed.

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 10-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (UT).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX our legal counsel, XXXX XXXX, sent a demand letter ( via Electronic and U.S. Mail ) to Citibank, N.A.outlining Citibank 's negligence in their handling of our HELOC and asking Citibank to take the necessary steps to rectify the negative and harmful consequences we have suffered ( loss of credit capacity, loss of credit expectancy, and loss of credit reputation, increased out of pocket expenses ). Citibank has yet to respond to the demand letter, as outlined by Federal law which requires a response within 30 days. 
On XXXX XXXX, XXXX we sent, via fax, an additional demand letter to Citibank which has yet to see a response.

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 10/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage escrow continues to be mis calculated each year. It is not increasing because of an increase in taxes or insurance, it is increasing because of poor calculations and they never have to provide proof. 
I entered into a loan modification process with them in XX/XX/XXXX I was only XXXX payment behind. I followed there procedures during the trial and entered into the perm modification XX/XX/XXXX at that time they told me my escrow was behind and they had to increase my payment by XXXX or XXXX dollars. here we are again they are now saying I 'm XXXX behind/short. They never corrected my credit from the modification and clearly have not reviewed the process they use to calculate escrow. I want a full accounting of my escrow payments. I told them this. 
They are continually messing up my account. They even got my interest paid incorrect for XX/XX/XXXX. I do n't know what they are doing but it is not in my best interest. 

Please help me, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continually receive  up to 30 m essages per day fro m Capital One c redit card company, trying to collect a debt. I am a person that lives on  XXXX  and this problem increases my  XXXX . I receive so many voice mail messages that it fills my inbox and I have missed very important medical calls and messages from my physician. Missed calls or messages from my care provides could result in delayed care that could be a threat to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: The Bank of America, where I have had a checking account for many years and live abroad, continues to reduce the scope of its communications with its customers, reducing the topics acceptable on chat and on email. This is the second complaint I have made. The head office promised last time to improve, instead it is worse. 
Also, despite a free phone number for overseas calls, it is not operable, as a digital voice message does not match with the operator nor automatic phone connection. 
Previously, the bank offered all options, message, chat or phone, for all topics. It seeks cost savings at consumer expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: PNC bank has assigned account management fees to the Virtual Wallet account products, but does not list these fees in either of the specific products Virtual Wallet account provides so that consumers can track their expenditures, interests, and fees from the bank. Notice of fees are absent from the products that are specifically supposed to provide this information including : 1 ) Calendar 2 ) Account Detail 3 ) Account Activity 4 ) Searches of Transactions. These services are the reason I opened a Virtual Wallet account, because you are able to monitor all transactions, including all deposits, transactions, and interest payments from the bank on that account. They purposefully exclude any fees from the bank on these monitoring services. Any notice fees are limited to the last page of the monthly e-statement and absent from all other products that allow one to monitor their account. After speaking with customer service, it is clear that the bank is able to see the record of fees on their side, but they do not share that information with their customers with virtual wallet accounts. Additionally if you manually search the transaction history for the fee amount they do not show up. 

This practice is concerning PNC has created, marketed, and built several tools for a specific account that is set to help people monitor their account and they expressly do n't include fees from the bank in these tools, even though they purport to include all information. The inclusion of all transactions and interest accrued and the name of the monitoring tools ( Monthly Calendar with all of the transactions listed ; Account Detail with all of the transactions listed ; Account Activity with a list of all activity including interest payments from the bank to the consumer ; and Search Transactions ) make it seem like any fees would be included and recorded in these areas. They are not, all are omitted. A reasonable consumer would not know about these fees using the tools that PNC put in place so consumers can " monitor '' their accounts, as PNC is omitting these institutional fees from these tools.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian has to many Inquiries on my credit file that I did not apply for or give permission. Experian says that I applied or tried to obtain credit. Experian has companies I did not apply for credit. 
Experian has nothing to support what they say by no contract nor any supporting documents. just words as in fraud by Experian with no support.

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 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.

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 02-04-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/15, PNC Bank stole {$100.00} from my account and attributed it to overdraft fees, regardless of the fact that I had well over {$200000.00} on deposit in my account -- which was certainly more than enough money to pay for any check or electronic payment that I would have initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (UT).
Issue: Trouble during payment process

Complaint: OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY  ONE  MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF  XXXX  WAS CORRECT BUT THE MONTH OF  XXXX  AND  XXXX  IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER  PAY.THIS  PROBLEM HAS BEEN GOING ON SINCE  XXXX    XXXX  . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was interested in refinancing my home. I was contacted by telephone by XXXX XXXX, an employee of XXXX XXXX XXXX in XXXX, CA. I explained to XXXX XXXX that I had previously applied for a refinance loan with a company call XXXX XXXX which gave me misleading information, untrue information and generally did n't know what they were doing. XXXX XXXX assured me that would n't happen with XXXX XXXX XXXX. XXXX XXXX asked me a few questions regarding my finances and personal information, but when he asked me for my Social Security number I informed him I do n't give my Social Security number over the phone because of privacy issues ; I had been a victim of credit card fraud in the past. XXXX XXXX told me he could n't give me any accurate rate information without my Social Security number and that he could not proceed in giving me an accurate interest rate quote. I never agreed to apply for a loan with XXXX XXXX XXXX and in fact I was only shopping for interest rate information because of my disillusionment with XXXX XXXX. XXXX XXXX said he would email me an introduction letter and some other mortgage information. I checked my Equifax credit account, as I usually, do because of being a victim of credit card fraud and the leaking of information on XXXX and XXXX XXXX XXXX. I noticed a " hard inquiry '' by a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXThey do credit inquiries for XXXX XXXX Loans. I never authorized, consented or had any knowledge that XXXX XXXX XXXX was going to do a " hard inquiry '' on my credit history which you know can affect credit worthiness of the consumer. I disputed " hard inquiry '' above with Equifax and was promptly told that I would have to contact XXXX XXXX. I did so and was told by XXXX XXXX I had to contact XXXX XXXX Loans, which I did. I received no explanation for their checking my credit history other than I must have applied for a home loan, which I did n't. Now Equifax is doing nothing to correct my credit history and has ceased investigating the issue leaving it to me. This seems a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation