milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (KY).
Issue: APR or interest rate

Complaint: I applied for a 0 % interest for 12 months credit card called XXXX. I was sent a card that said XXXX all across the front. In the XXXX billing month, I was charged interest. I called Barclaycard XXXX, the issuer. They said they could n't resolve the issue over the phone but that if I waited two weeks they would send me a letter. I waited. No letter, no call. I called again. This time they acted like the first agent did n't even open the case correctly. They said they would. Told me to wait a week. I 'd get a letter. I waited-no letter. I called again. This time agent told me they were not going to charge me interest for the upcoming month and that they would eventually credit the account for the interest already charged. On XXXX, I logged in to the online account to find I had been charged interest yet again. I called again today ( XXXX ) and was told my card does not have 0 % interest for purchases and they would n't refund the charges. I applied for a 0 % for 12 months card for purchases AND balance transfers. I read the terms carefully before applying. They are still offering this XXXX card on their website with 0 % for purchases and balance transfers for 12 months. I told them that. Manager said that promotion could change at any time and would n't verify that the promotion had been valid when I applied for the card. I definitely applied for that card and those were the terms. I was also supposed to get {$100.00} cash back if I spent {$500.00} in the first 90 days. I have n't received that either. They wo n't honor the terms of the card. Also, by telling me to wait in two week spans, I 've been pushed into subsequent billing months, interest charges piling up by the day. This is classic bait and switch. I 've never received XXXX letter or call in 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 monetary relief
Consumer complaint received 09/22/2016 about Credit card () with DISCOVER BANK (ME).
Issue: APR or interest rate

Complaint: I signed up online for a promotion from Discover for a credit card offering a 12 month 0 % balance transfer option. I was approved and proceeded to transfer {$1500.00} from a XXXX XXXX card with a high interest rate. When I received my first bill from Discover, it showed an interest charge for the balance transfer. I contacted Discover, and they are telling me that we replied to a " counter offer '' with different terms. This is incorrect. Everything was approved during the initial application online. Even now, when I do a soft inquiry on their website to see what I may be approved for, the offer is still open to me to submit a balance transfer at 0 % interest for 12 months. Discover has said they will review it, but to allow up to 30 days for a response and in the meantime I should consider transferring the balance to a different company. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/2016 with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the 30 days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.

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 11/30/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX sent me to collections immediately after I cancelled my service, I returned their Booster equipment and received credit, paid the remaining {$500.00}, via payments on my credit card. Since then, i 've been contacted by XXXX different collection agencies. XXXX telling me I owe over {$1800.00} to the last XXXX stating I owe over {$800.00}. I have been getting calls as early as XXXX and as late as XXXX, 7 days a week and they have started contacting my employer. I am now on a written warning regarding this issue. When I call I get threatened, obscenities and being told " too stupid to pay my bils ''. I left a final message with them demanding a formal notification of the debt, with proof from XXXX that it has not been paid. I NEED the calls to stop, it has begun to cause my migraines to increase limiting the days i am able to work. 
When I spoke to XXXX on XXXX, I was told they have no record of my debt owed ... so I have no idea what to do. I know I paid off XXXX., they are attacking my credit, my home and now my work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit card was a student card. While I was living on my college campus, all of my information was stolen ; along with the card. When I saw activity on the card that was not mine, I called the bank immediately. I not only had a credit card, but a regular checking and savings account as well. Wells Fargo stated how sorry they were and told me they would do everything they could to help. After numerous attempts and calls, nothing was done. I went and closed all accounts within 30 days of no help. Despite multiple calls informing them of the situation, and false promises, I ended up having to pay almost {$350.00} worth of debt from my checking account because they threatened to send me to collections. All debt owed was due to overdraft fees that I did not cause. Wells Fargo continued to harass me concerning the credit card for months. When sent to collections, they told me if I did not make any type of payment plan, despite my card being stolen and charges owed were not mine, that they would sue me personally for the debt owed. I began to pay the debt monthly for {$50.00}. Around XXXX of 2015 I received a call from Wells Fargo asking to pay the debt in full. I told the representative that I already was paying a monthly payment for debt that I did not cause. She then proceeded to ask how much I was getting in tax returns. I became upset due to the fact that since I was already paying monthly, I felt violated that she was asking about my personal business when I already had a current obligation to pay. After a few months of continuous harassment, I finally asked to speak with a supervisor. I explained to him every detail that happened from the beginning. After stating that I had planned to get my family lawyer involved, and due to all that I had gone through, he informed be the debt would be removed from my credit report. Upon recent investigation into my credit report, Wells Fargo has not removed the collection from any of the credit bureau 's. The account status states, Closed-Derogatory. I previously disputed and the remark states Charged off as bad debt Dispute resolved ; customer disagrees. This was not the original agreement I had with the supervisor.

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 02/25/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, I drove 3 hours from Washington DC to XXXX, PA for the sole purpose of closing my bank accounts with First National Bank ( who just bought out my bank - XXXX of PA ). I went to the XXXX branch on XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). I was met with, " We ca n't close your accounts until Tuesday because we do n't have account totals. '' Seriously? Way to plan for the merger! I signed all the paperwork and was told they would mail a check on Tuesday, XXXX XXXX to my temporary residence in XXXX, MD. It 's only XXXX miles away from XXXX so should have arrived the next day. Wednesday, the XXXX came and went. Thursday, the XXXX came and went and still no check. I called Friday, the XXXX and was told the checks were n't mailed until Thursday and should arrive early this week ( XXXX XXXX or XXXX ). 

It is now XXXX XXXX, almost TWO WEEKS after closing my accounts and I STILL HAVE NO CHECK. I called again this morning and talked to the bank manager, XXXX, and was told that the checks were sent last Thursday, the XXXX, not Tuesday as promised, but they went to a main bank or corporate or whatever in XXXX first and would be sent out from there sometime. " Probably Monday or Tuesday she said but that was a guess. She did not verify that they were indeed sent out. '' Meanwhile, I have {$50.00} in cash to my name which I used to open the account at the new bank. I have an overdue credit card which is now maxed out because I have no cash and First National Bank has my {$15000.00} in limbo for almost 2 weeks and the best part is I now owe a late fee and all the interest on it because of this whole screwed up process and the repeatedly being lied to. I also have no way to pay my electric bill or buy groceries. Way to go First National. I clearly made the right decision to close my accounts when they bought out XXXX. I want my XXXX money!!!

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 10-11-2017 about Student loan (Federal student loan servicing) with EdFinancial Services (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: EDFINANCIAL is hurting my report in which was closed in XXXX of 2013

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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 no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per TransUnion instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.

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 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GVA Holdings, LLC (KS).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WA).
Issue: Trouble during payment process

Complaint: THIS IS A NEW COMPLAINT. Prior complaint XXXX was rejected due to a document not showing when scanned and sent. 

This complaint is being filed on behalf of XXXX & XXXX XXXX, they purchased their home home a year ago. The owners work long day hours which makes it difficult to make contact, and they are not familiar with how they can correct this alleged payment issue. 
Mortgage is with Ditech who has the correct phone numbers, address and emails. 
The entire monthly payment with impounds is made via AHC ( automated pmt ) and have all been made timely.

The Servicer/Lender made no proven, documented effort to notify the homeowners by any means regarding ANY changes to their monthly payments due Ditech. There was no form of communication received from Ditch that the real estates taxes had increased and to adjust the monthly payment, this is what the tax service fee at closing is for -to notify all of what will be due upon the next cycle and make adjustments as needed. 

Their was @ {$30.00} increase to the taxes monthly, that the owners needed to pay. Without any proven documented communication the payment was rejected ( see attached ), then charged late fees. 

When viewing the attached monthly statements please note that there had been sufficient funds to cover the shortage regardless, then notify the Owners to increase their auto- payment amount thereafter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a CITIGOLD Interest Checking Account with Citibank with a promotion that would give me XXXX to XXXX XXXX Points as promotional offer if I satisfy certain certiera with my banking relationship with them listed explicitly as - '' Qualifying Direct Deposits are Automated Clearing House ( ACH ) credits, which may include payroll, pension or government payments ( such as Social Security ) by your employer, or an outside agency. 
Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking ( including bill payments made using Citibank 's Telephone XXXX Bill Payment Service and Staff Assisted Bill Payments ), Citibank Online, CitiBusiness Online and Citi Mobile XXXX XXXX XXXX. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates. 
-The bonus XXXX XXXX will be credited to your existing XXXX Member Account within 90 calendar days from the date when you completed all offer requirements. 
-To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I opened the account before the deadline date of XXXX/XXXX/2016 and I satisfied two consequective months of BillPay in XXXX, XXXX, and again in XXXX Respectively. 

When I contacted CitiBANK about the status about my promotional reward, the company sent a generic message renegotiating on this term. In Addition, I have contacted the company over the phone, and after XXXX40 minutes with a representative, they would repeatedly hang up on me, leaving the issue unresolved. 

I have been very unhappy with CITIBANK, as they have not kept their promotional promise, despite me keeping my end of the contract.

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 12-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I try using my chase card on XXXX/XXXX/15 at a bakery department in XXXX, GA and chase stopped further transactions on my card. I called chase company to inquire about my card not working. The chase representative expressed to me, that I have made several charges. I informed the chase representative I did not use my chase card all day, until in the evening, therefore any unauthorized charges unknown are not mine. I then stated to the chase representative, the last time I used my chase card was on XXXX/XXXX/2015, at several businesses in XXXX, GA. The chase representative explained to me that he will forward my disputes to the chase claims department so they can can give me credit back on my card. Chase company strongly believes that, I used my chase card, to make those unknown transactions at places I never knew about. If I called chase about the unauthorized charges on my chase card, it is chase 's responsibility to probe and provide me with temporary credit until the investigation is done. Nevertheless, chase assumes I actually made the bizarre charges and not honoring me credit on my chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (AK).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I recently obtained a copy of my credit report and seen that the company XXXX XXXX is on my report and they keep changing my balance to make it look as if I have been making payments to them, and the truth is I have not because I was unaware that they were even on my report. So I have written the company 2 times and have not received a response from them with documentation about the information that they are reporting on my credit report. I have asked them to send me something about the information that they are reporting and something with my signature. The first letter that I sent our was on XXXX and I waited 30 days and did not receive any documentation from this company nor did they update my credit report as disbuted. So I sent them another letter on XXXX, and today is XXXX and I have still not received any information from this company, nor have they marked my credit report. However they have posted as if I have made a XXXX payment for the months of XXXX, XXXX and XXXX of XXXX, which in fact I have not made any payment to them because I am unaware as to what this account is and if it s truly even my account. They then tried to sue my brother in law because they attached him to this loan, but did not send me any notiication about the law suite . And this was after the statue of limitation had passed to be able to sue him or myself for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I am writing this as a customer who feels as though Advanced Financial is ripping their customers off, I had a loan with this company off and on for two years it was an installment loan, well recently went into the store to renew it as I did n't have all of the money to pay and was told I had to switch over to their Flex loan or pay the balance in full, so I did. I have paid this company almost XXXX on a XXXX loan and only XXXX has went to my principle ... they charge customer s over 200 % in interest but word the contract and the flyer they give you is very misleading. I also revoked authorization so they would not draft my bank account and they continue to do so. I do n't understand how thi can be legal. And if so I think someone should look into this and regulate the laws. I kniw this company has had several complaints regarding these new flex loans and ripping people off, also forcing customers to switch over to these loans should also be against the law. You make a payment of XXXX and only XXXX goes to principle and the rest to fees and interest, the present the flex loan like a credit card and I have those and the definitely do not work they way this company is telling their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, my son passed away. His home was mortgaged through Wells Fargo Home Mortgage. I being his Mother, immediately called Wells Fargo to notify them within no more than 5 days of his death. They advised me to fax them a death certificate and they would take care of the situation, including removing him from the auto-pay system ( withdrawing money from his account ). Which I did!. Wells Fargo did not remove his name from the auto-pay, Therefore, Wells Fargo went ahead and took the XXXX payment anyway, in the amount of {$460.00}, and the credit union allowed it even though there were no funds in the account, as a " courtesy credit ''. 
Since my name was on his account due to the fact that he was a XXXX, XXXX, the credit union seized my savings account to pay the amount that Wells Fargo took out. In addition, there were XXXX insufficient fund charges in the amount of {$120.00}. I was fortunate enough to have the credit union waive the insufficient fund charges, but refused to return the {$460.00}. 
I, in turn called Wells Fargo regarding the return of the funds that they has no right taking in the first place, and was met with total disregard from the person ( s ) I spoke with, saying that he/she had no idea of what I should do. 
Since I do n't think I am responsible for this debt, my son lived on his own, was responsible for his own debt, and my name was n't on his mortgage, I would be very appreciative if CFPB could help me with retrieving these funds. Thank you.

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