milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Debt collection (Medical) with The TRAF Group (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I went to XXXX a few years ago for a XXXX. XXXX told me before he can look after me they would need to contact my insurance company and after he get approval of payment his office would call me and schedule a date for me to come in, I payed my copayment, and lefted the office. Two weeks later I receive a phone call from XXXX office with a date and time to come in, I went into the office payed another copayment. They told me my insurance approve my procedure and I do n't have to worry.I taught everything was fine, never heard back anything from the office, nof phone calls or anything. Now two years later I received my credit my credit report and they are charges of collection agency called A-1 COLLECTION SERVICES in regards to three sets of payments, {$660.00}, {$550.00}, {$81.00} was reported on all three credit bureau which drop my credit scores to a terriable low number, I am in the middle of purchasing my fist home, and this will harm me a great deal. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Problems when you are unable to pay

Complaint: I was 15 days late on my car payment and credit acceptance took my car in XXXX illegally without sending me any notice that they were going to do it, I called credit acceptance and asked them why did they take my vehicle. They said because I had a late payment and that they have a right to pick up the vehicle when it 's a late payment. I went and got my car back the same day, I had to pay towing, storage, and a repossession fee as well as the 15 days that I was late, plus the payment that was coming up before the due date.

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 02-09-2017 about Student loan (Federal student loan servicing) with ACS Education Services (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a XXXX tax for from the school loan company ACS ( XXXX XXXX XXXX ) stating I was paid {$710.00} in other income. When I called to inquire about this, ACS told me they had made a mistake on my loan payment in 2011 and had to make an adjustment this year. I asked when this adjustment occurred, since I could not see it on my payment record. They told me the adjustment was applied 'behind the scenes ' and would not show on my payment records screen. This leads to my specific concerns : 1. I do not see how an adjustment for a mistake on their end becomes taxable income on my part ( I was in school at the time these funds should have been applied and would not have had to pay tax on them ). 

2. The corrections are too opaque. If there is no evidence of an adjustment, how to I know it occurred. 

3. This reported income has changed the amount of interest they are claiming I paid on my loans this year. According to my online payment records on the ACS website, I have paid {$1600.00} in total on my loans this year, with {$630.00} being applied to interest. Yet, my XXXX reports that I have only paid {$10.00} in interest this year. 

4. The XXXX form was sent to my house without any indication as to why and what it was. I had to investigate on my own only to discover the form was for payments issued by a company, which surprised me because I did not receive any funds from ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I signed up for the XXXX XXXX credit card from Citibank about two years ago. At the time of enrollment, the card offered a free night certificate upon cardmember anniversary date, if I had spent {$10000.00} or more in that year on the card. Based on my spending during the past year, I qualified for the free night certificate when my anniversary date came up on XXXX XXXX. I did not receive the certificate, so I contacted Citibank. At first, they claimed that I did not qualify for the certificate since my spend had n't occurred in the period between the date when my annual fee hit ( which was in XX/XX/XXXX ) and the end of my cardmember year. I told them that I was told that the eligible period was in fact based on my card opening date, not the date when the annual fee hits. Otherwise, cardmembers would have less than a year to qualify for the benefit. 

I received a message from Citibank, via their secure message system, that I had indeed been given incorrect information and that I did qualify for the free night certificate. They informed me that the certificate should come directly from XXXX, so I contacted the hotel company. The hotel company reached out to Citibank, and was informed by Citibank that I did not qualify for the free night. 

Based on my spending, which is completely tracked by Citibank, and also the message I received from a senior account specialist at Citibank, I did qualify for the free night certificate. I 've reached out to Citibank about five times already to resolve this issue. Earlier this week, when I reached out yet again, I was told that an internal team would look into the secure message, and they would get back to me within 3 business days. That time period has lapsed, and I 've yet to hear anything from Citibank. 

My request is that Citibank honors the offer it advertised at the time of my account enrollment. It is unfair for them to expect their customers to put in all the effort to receive a bonus that they earned, and that Citibank should proactively award. My cardmember anniversary date occurred almost 3 months ago. It is unfathomable that it would take this long for me to receive my benefit. One could argue that Citibank is intentionally dragging this out so that I can not decide to close my account within their grace period for receiving a refund on their annual fee. I had no intention of closing my account - I simply want Citibank to honor its promise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery assoc iates,  XXXX . Repeating daily calls to collect a debt I do not owe or even previously dealt with company in the past they represent. Demanded there is no on else with my name, and I was trying to avoid taking care of my responsibility. I am not the first I am the third  XXXX  in the family. I have repeatedly asked to have my number removed from their list.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/XXXX I disputed XXXX accounts as inaccurate/incomplete with specificity as to what wasinaccurate/ incomplete.on XX/XX/XXXX the investigation was completed with '' new information '' ( documents XXXX & XXXX ) .Both accounts are delinquent charge-offs and do not supply the basic '' date of first delinquency '', as required by FCRA.BOTH do not include the amount of lastpayment and other incomplete inaccurate info. ( documents XXXX XXXX ) .The creditors do not specify these items to completely report because it would then be calculable that both creditors charged penalty fees in excess of those allowable by the XX/XX/XXXX CREDIT CARD ACTwhich was fully implemented just prior to the opening of both accounts.I believe both creditors do not want to be paid ... ..because in writing off excessive illegal fees they make more moneythan if I would pay only the charges allowed by law ... ..so they earn more defrauding the tax authorities and the public.TRANSUNION should have deleted both accounts but they do notbecause the creditors are their customers and pay them to collude.TRANSUNION ISNOT ALLOWED TO REPORT INCOMPLETE /INACCURATE INFORMATION afterinvestigation, especially obvious, on the face of the record items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (ND).
Issue: Managing the loan or lease

Complaint: I have made payments as scheduled on my loan from SunTrust continuously. Earlier this year, they fraudulently added a past due amount of approximately {$220.00} to one of my bills despite have records of my payment on their site. This was resolved with a phone call, and they removed the amount. It has happened a second time this month, billing a past due amount of {$220.00}. I have records of my last invoice of {$260.00} and subsequent payment of {$300.00}. Having happened twice in the same year, I am concerned that this amounts to billing fraud. 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 explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased an XXXX XXXX from XXXX XXXX on XX/XX/2016. - with an XXXX care package .Within 2weeks I was dissatisfied with the product & went to XXXX & got an XXXX XXXX also with an XXXX care package. I informed XXXX XXXX about this & requested that they cancel my care package. I also went to the store & told the person that I bought the phones from & that the care package needs to be cancelled. In XX/XX/XXXXI realized that there was a charge on the when I paid off the balance on this account-yesterday there was a bill due. I called XXXX XXXX & discussed this @ great length with the customer service person. He documented all the information & told me I would get a refund. I got another bill in XX/XX/XXXX & called them again & again I was told that I wold get a refund. In XX/XX/XXXXI saw my statement & called XXXX XXXX & was told that my XXXX care package was still active & that I have to pay for the care package. When I asked to speak to a manager- I was on hold for 90 minutes - no manager came on the phone to talk tome. I went to the store & talked to a manager there - I was told that I wil get a resolution & no such resolution came. I am frustrated that XXXX XXXX would report this as late & add late payment charges on this even though I am due a refund from them. Please help

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 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold from XXXX to BSI mortgage and they have added {$10000.00} in fees to my account and will not remove them. I have sold my home and it is closing XXXX/XXXX/15 I need help to make them reduce the fees and follow the loan contract I have in force. XXXX XXXX XXXX or XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: My complaint is the same as a previous complaint # XXXX. Bank of America indicated that they had made a notation on my account that I would be issued XXXX debit cards whenever I needed a replacement. When I called on or around XXXX/XXXX/16, I was told that I could only have XXXX card and that there was no notation on my account to provide me with an additional card. I am a XXXX vet and this is very XXXX to have to deal with this issue again. This type of aggravation seriously causes me 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 non-monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONTRACT CALLERS INC (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX falsely reported my residence at XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 

Contract Callers has placed a fraudulent {$330.00} charge on my credit report. This is not my account, these are not my charges. I live over 72 miles away from that address.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I have called PNC customer service 3 times and requested a PIN so I can create an online account and see my loan statements. All 3 times I have been denied! 



Account XXXX, PA XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (PA).
Issue: Using a debit or ATM card

Complaint: Bank 's on-line statement says I have money currently available, but the bank denied my request for a XXXX transaction increase to my debit card maximum daily limit ( well within my checking account balance -- approximately XXXX % ), because the funds were " available '' but not " collected. '' This is inconsistent statements appearing on the Bank 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit report from XXXX and XXXX XXXX and an unauthorized entry from AD ASTRA RECOVERY SERV. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. AD ASTRA has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I received notification that information on my bank accounts were changed - when I called ( XX/XX/XXXX ) I was advised that I need to change my online access and password, after having the escalated to XXXX XXXX ( Fraud ) he indicated that the change occurred because some one internal to Wells Fargo updated my information ( without my knowledge ) that triggered this alert. Stated that I did not want to change my user ID he indicated that he would look at it further and indicated that he would call me back at the end of the day. On XX/XX/XXXX I received a call back from XXXX XXXX - he had indicated that the issue is now that I have been identified as an individual where multiple attempts to access my account have occurred - no further details were provided - I was provided with a case # XXXX and advised hta I would have to get all my accounts replaced - inquired as to why I was not notified of this sooner - he indicated that they tried to contact me - ( advised I have not received an email or call ) it seems that Wells Fargo is the only ones that have issues calling my cell XXXX I receive regular texts from WF on my phone so the story of my cell not working is not accurate, I am also on call 24/7 so my phone does work. There was no valid response as to why I have not been contacted if this was such an urgent matter that needs to be addressed

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my house in XX/XX/XXXX and after 2 years my payments went up, so I called Wells Fargo to find out why this happened. That is when I found out that I have been given a XX/XX/XXXX with an interest only loan and an XXXX intrest rate. Tried getting a loan modification through Wells Fargo but they stawled me and did n't do anything about it, by that time I was served a summons of forclosure and my second mortgage had file a lawsuit having my bank accounts frozen. This all lead me to a Chapter XXXX in XX/XX/XXXX and XX/XX/XXXX I received a forclosure sale date. To stop this I had to file a Chapter XXXX, so here I am facing an obligated trial plan of {$3300.00} for just the first loan and with a hearing date of Monday XXXX, XXXX and obligated to take this payment to save my home. 
This was my American Dream to buy a home and have a Bank ( Wells Fargo ) destroy my financials and on top of this if I accept the trial plan I would be forgiving them for everything they put me and my family through and on top of this losing our home.. 
I have hired attorney 's and loan fraud audits but Wells Fargo do n't care the just proceeded with the foreclosure process. I asked my attorney if he can present an offer since I am willing to make payments of {$2500.00} for 30years but he does n't want to present it. This is unbelievable.

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 02-08-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: Chase Bank issued me a XXXX for 2013 in the amount of {$14000.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2013 included same amount. Chase Bank has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be list as " {$0.00} BALANCE, PAID IN FULL ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Credit card) with Capital Management Services, LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Capital Management Service LP RE # XXXX ( XXXX ) On XX/XX/2016 I send a debt validation letter CMR # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed CMR # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NY).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX at XXXX, I recieved a phone call from US Bank at my home phone number. The female caller immediatley asked for me or my wife by first name. Once I stated who I was, she advised me that the call may be recorded. I stated that was fine. The caller then stated that she was calling from US Bank in regards to the lease on the XX/XX/XXXX XXXX " XXXX ''. At which point, she stated that the XXXX payment was five days late. I informed the caller that I was aware and that it was an accidental oversight and that I had just made the payment through my bank 's website about XXXX minutes before she had called. The caller then asked if I knew when US Bank would receive the payment. I informed her that the payment usually takes one business day to post. I mistakenly told the caller that since that was the case the payment would most likely be received tomorrow ( Saturday ). The arrogant response I received from the called was " ugh, well tomorrow is Saturday, so that 's not possible ''. To which I responded, Oh. Sorry that 's right, well then Monday I guess. The caller then stated well if we do n't receive the payment by Monday there will be a late fee attached to the account. I told the woman that would not be an issue. The caller then asked me for a reason that the payment was late. I stated that I had already told her that it was an oversight and that the payment was made. She then continued to ask for a reason. I stated, Ma'am, you called my home at XXXX XXXX on XXXX XXXX. This is the XXXX. I have already stated that the payment was made. The woman continued to request a reason. I stated miss please do n't harass me. I already stated that the payment was made. 

This complaint is not so much about the call itself rather than the demeanor and the timing of the call. A company that is based in the United States and has the name US Bank. Should know better than to make collection calls on a day when the entire country is in mourning. A company named US Bank should know better. These bill collectors have no knowledge of who they are calling. Being a XXXX. It 's beyond inappropriate to have bill collectors calling customers who have never missed a payment at this time and date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in XXXX and there is an address that is incorrect on my credit report. I called the utility company that is claiming to take me to collections called XXXX and they have no accounts under my ss #. I called the credit agency XXXX credit systems and they said they have me in collections for utility bill with XXXX. They told me to file a police report. But when I check with utility company they have no record of an account in my name ever.

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