milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX, there were XXXX deposits ( XXXX checks ) made into my and my son 's checking account for the amount of {$1400.00} each, totaling {$2900.00}. Subsequently, on XXXX and XXXX there were XXXX withdrawals for {$1400.00}, {$70.00}, and {$1400.00}, totaling {$2900.00}. The deposits and withdrawals were unauthorized and not ours. <P/>The checking account was restricted by Chase, JP Morgan on XXXX due to the checks being fictitious and were therefore returned to me. The bank also charged {$48.00} total for service fees of the XXXX returned checks. <P/>The checks were from a company called XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, New York, with the bank check routing numbers being from an account in California, and the fraud was committed at an ATM in XXXX, Illinois. <P/>The checks were not my son 's, nor do they match his signature, we have proof we were in XXXX at work and school. There has never been in the history of the checking account any ATM deposits until XXXX/XXXX/XXXX when these transactions occurred. <P/>I contacted Chase on XXXX in person at a bank, then again called on XXXX and filed claims about the deposits and withdrawals. All of my claims have been repeatedly denied. I escalated the denials to Chase Executive Office via a Chase Bank Branch Manager. Chase repeatedly tells me that I am being denied due to two reasons : 1 ) the account was being " monitored '' and 2 ) I did not submit the claim in a timely fashion, when federal law states that I have two years to file a fraud claim. <P/>I have even contacted the company in New York and researched them on-line and contacted them and they are obviously not willing to fix this problem either. <P/>On XXXX/XXXX/XXXX, XXXX XXXX from Chase Fraud in  XXXX, Ohio ( who was the specialist in charge of my account for this situation ) told me that he froze one of my accounts and it will remain that way until I pay the negative balance on my account. After our discussions, he did unfreeze the account but withdrew the {$2900.00} from one of my other accounts instead to make the account positive and in positive balance standing. <P/>I did everything I was supposed to do. We have excellent credit history not just with Chase but all of our financial institutions. We have NEVER filed a claim before with Chase or anyone else. I have filed a police report and have the report number. I want the {$2900.00} back that was stolen from our account and that Chase in turn deducted from me when there is blatant fraud that was committed and they repeatedly deny this to me. <P/>The company already has ALL letters, signed claims from me, proof of signatures and has been offered attendance records from my son and I at school and work and they did not ask for these. I even suggested for them to obtain the ATM video from the ATM in Illinois and obviously they did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: foreclosure sale date XXXX. I called wells fargo about my options to live in the home, they told me to apply for Loan Mode and re entry dept :. will decide to approve my case. I filled complete package but still wells fargo re entry dept :. told me that some of the papers they have not received. So I re fax again the same papers. wells fargo told me that during interview and re entry review process they will keep going forward with the Fore closure process and re entry dep :. will decide whether the will approve me or not and i will have no right to appeal. I also hired for help some consultant on XXXX XXXX th, XXXX and than on XXXX XXXX, XXXX Me & my family living in this house for 17 years and we all want to keep the property but we are not getting reasonable monthly mortgage. end.

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 05-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15 I opened a XXXX checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by XXXX XXXX, 2015. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from SEVEN months ago showing the offer. I do n't keep mail around for seven months, and NOTHING was ever said over the past 7 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 10/19/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a letter in the mail on XXXX/17 stating the State of Texas cause no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs Me subpoena for oral deposition as aid to enforcement of execution ... does n't not inform me of who or what this is trying to collect for, no amount stated, no return contact information ... all is says is show up on this date to some office building, not a courthouse an office. am I suppose to just show up and sure let me give you money, if I am summons for court or trying to be sued I need to know for what! I feel this is not a legitimate or legal action that I have been subjected to, is this from debt they purchased for another debt collector that could be beyond the statue of limitations or what is this from?

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My grand daughter and her father asked me to sign for her student loan a private loan with Sallie Mae and another with XXXX student loans and her father was going to repay the loans when he retired but instead he died XX/XX/XXXX. I am now responsible for the mortgage which he used to pay ( in my name also ) and I suffer from XXXX XXXX and I am XXXX years old. I contacted both XXXX and Sallie Mae since as of now the loan is 30 days past due and neither will waive me because they claim only the " borrower '' can be waived due to XXXX., Sallie mae said I should pay {$150.00} by XX/XX/XXXX to defer the loan until XX/XX/XXXX as a hardship but XXXX has to call for this arrangement to be for more than XX/XX/XXXX. If she does not call it goes back up to {$970.00} per month for a {$72000.00} loan and the XXXX with XXXX is {$69000.00}. I have had no contact with my grand daughter since May and she is contesting her father 's will in court currently. I doubt that I will be able to get her to call Sallie Mae so attempting to get a lower payment seems like a moot point. I believe I will have to see a bankruptcy attorney but my understanding is this would only be a temporary relief. Sallie Mae calls my home phone every 30 minutes and says then ca n't stop this procedure. My grand daughter has not made any payments at all and I ca n't pay the mortgage without my other son 's help so I do n't know what I can do to fix this.My grand daughter did all this on her lap top I never got a copy of either contract and I just asked them to send me a copy in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from LVNV after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested LNVN to provide details on how the alleged amount of {$1000.00} was calculated, LVNV has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, 2010 U.S. Dist. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (IN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I recently opened this account on XX/XX/2018 and only made 4-5 transactions. Yesterday I try to log into my account to see if my daughters child support came in so I can pay my bills and only to find Citibank put a block on my account. I spoke to two representatives, first one told me he couldnt see the issue. The second one told me that he could see the block on the account and spoke to the fraud department only to tell me they are closing my account because of my tax check wasnt endorsed correctly even though they released the funds days ago and sent no warning or notice of the closing of my account. After that I asked to speak to a manager at this point she was giving me less information than the previous representative. Telling me she wont tell me why they are closing my account even though I was told it was a check I deposited. This now is causing me to pay my rent late and the rest of my utilities may be cut off. I havent even had the account for more than 3 weeks but am being told because of my recent activity being the first time I used the card to pay bills. Unprofessional. Inconvenient. And Criminal.

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 09-02-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am a XXXX XXXX XXXX Veteran and XXXX XXXX. I completed XXXX year and XXXX months of XXXX XXXX. I completed approximately XXXX years and XXXX months in the active reserves and XXXX XXXX. To reduce personnel, the XXXX XXXX offers a voluntary program called XXXX XXXX. What this program does is allow a veteran to voluntarily separate from XXXX XXXX into the XXXX XXXX XXXX XXXX. The XXXX must then double the amount of time owed on XXXX XXXX ( in this case XXXX years and XXXX months ) and complete this term in the active XXXX XXXX XXXX. I accomplished this. Had I known that separating from the XXXX XXXX XXXX XXXX XXXX prior to XXXX years of completing XXXX XXXX, I would have stayed and at least met this minimum requirement. 

I have purchased and/or refinanced homes XXXX times each time receiving a Certificate of Eligibility ( COE ) from the VA. Now, I am applying for a VA loan with Freedom Mortgage. Almost all areas of the process have been completed to approve the loan ; however, the VA will not issue a COE thus preventing Freedom Mortgage from completing the loan. I served my country, I am a Veteran, and I served honorably. I should be allowed to receive a COE since I have been given XXXX before as a veteran. I think this sets a precedent. The VA denied sending the form to Freedom Mortgage. The VA informed me that since I did not serve XXXX years XXXX XXXX, I am not eligible for the COE to use the VA loan benefit I was promised back in XX/XX/XXXX when I separated service to join the active XXXX XXXX XXXX voluntarily and with the Air Forces ' blessing. I XXXX from the XXXX XXXX in XX/XX/XXXX or 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 02/23/2018 about Debt collection (I do not know) with Grant & Weber (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Overdraft fee with XXXX XXXX XXXX XXXX was contested and evidence/proof given to XXXX   showing that the overdraft was not founded. 

A debt collection agency contacted me about the amount owed. I offered to pay the balance minus the unfounded overdraft fee and was denied, with the threat that the balance would remain, with a credit damaging result.

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 04/17/2018 about Debt collection (Credit card debt) with Rubin & Rothman, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This has been an ongoing issue with XXXX  XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX  and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.

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 11/26/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: To confirm this is to/for XXXX XXXX XXXX Vehicle was totalled. XXXX made the last payment. XXXX was slow to pay. I was effected by a natural disaster. XXXX said they were slow to pay because there were not enough adjusters in Texas. The last payment was late because of XXXX. Please correct the last payment as on time, as it was made by a third party, and not under my control. Had I made the payment, there would have been an over payment. Please correct last payment to read as on time. Also XXXX  shows no late payments. Please correct.

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 09/28/2016 about Credit card () with STERLING JEWELERS, INC. (MD).
Issue: Customer service / Customer relations

Complaint: My engagement ring was purchased by my Husband XX/XX/XXXX. On XX/XX/XXXX it was put in to repair by way of the XXXX XXXX Jared Jewlers in XXXX maryland. I was told that I would get my ring back after the repair by XX/XX/XXXX as of today 's date I still do not have my ring and customer care for XXXX XXXX is unable to tell me where my ring is. After reading articles from XXXX from XX/XX/XXXX of other brides who 's rings after being sent to repair were loss, stolen or original diamonds were swapped I am very concerned that my diamond may be the next casualty in this horrific saga. I need help to find out where my engagement ring is. My ring is very dear to me, it 's sentimental to me my husband gave it to me and nothing the store can do can replace the original ring that my husband purchased for me. I am very devastated by not having my original engagement ring I await your response

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute on XXXX XXXX, 2016 via fax with Equifax. I also sent in a photocopy of my drivers license as requested. I recently received a letter dated XXXX XXXX, 2016 advising me the identification information I provided does not match their records. 
The items I disputed are XXXX XXXX XXXX XXXX this account is reporting both open and also collection charge off which is reporting inaccurately. Outcome desired I have never been late. Please remove from my credit report. 
Department of Ed XXXX XXXX accounts are reporting closed with a XXXX bal which is correct but are reporting missed payments which is incorrect. Outcome I have never been late on either account please remove from my credit report. 
XXXX XXXX XXXX accounts are reporting missed payments. Outcome I have never been late on either of these accounts. Outcome please remove from my credit report. 
XXXX XXXX XXXX reporting XXXX missed payments. Outcome I have never been late please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I met all the qualifying criteria for the Citi Premier credit card but I was informed I was no longer eligible due to an account opening/closure of same credit card family within 24 months despite during the entire relationship with Citi I have never requested any account closure and the only account opening within 24 months I requested was this card. 

XXXX XXXX : I applied for the Citi Premier card with a promo 50,000 ThankYou points for {$4000.00} of spending in 3 months. 

XXXX XXXX : I met eligible spending requirements within the timeline. 

XXXX XXXX : I called Citi to confirm eligibility and Citi claimed that I was not eligible due to a closed Citi Forward which Citi unilaterally closed in XXXX. I contended this should not affect eligibility given even on today 's Citi signup promotion for Citi Premier, that the Citi Forward is not listed as one of the cards whose opening/closing would affect eligibility and that additionally the closure was action taken by Citi and not myself. It would also be contentious for any closure initiated by Citi to affect bonus eligibility given Citi could use it to the effect of artificially causing failure to meet bonus terms. 

XXXX XXXX : I called Citi again to check eligibility and this time they said I was not eligible because I closed a Citi Preferred card in XXXX. However this was after I applied for the Citi Premier and furthermore the card was converted to a XXXX card, not closed as it is the same tradeline as the Citi Preferred. Not withstanding the fact that this occurred after the application of the Citi Premier, a conversion should not count as a closure and nowhere during any interaction with Citi on that matter was there a mention of any effects with regards to bonus eligibility.

Given Citi 's inconsistent reasoning on what affected bonus eligibility and unreasonable claims of what constitutes card closure. Citi should honor original bonus terms as stated at the time of application.

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 04/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Billing disputes

Complaint: In 2014 I made a purchase from XXXX and used the Barclaycard deferred interest promotion. Each month I received an email telling me the minimum due on my account. I paid that every month and then received an email stating that my payment was accepted. I never received an email alerting me that my promotion was about to expire. 

On your website it states that Barclaycard has to alert me that my promotional period is up on the cover page of my statement. This alert is on page XXXX. 

I would like to have the {$970.00} rescinded and to pay off my account in full. How can I make this happen?

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