milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have the same complaint that everyone else has. Macy 's trying collect wrongful change. Macy 's switched my account to an American Express card which I never activated. About six months later I started getting collection calls when all was said and done I owed Macy 's over {$300.00} for billing charges/ late fees. I never charge anything for past 2 years and they keep sending me the bills. Macy 's account showing a past due amount with a late payment charge of {$27.00} plus an interest charge equal to 24.75 % yearly rate on the unpaid balance.I have called Macy 's Customer Service twice to Complain to them about this Charge. I just received this letter saying? I am attaching the letter with this compliant.

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 04-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is now the XX/XX/XXXX payment that has been misallocated, this is also my second formal complaint. It seems that the only way for my payments to be allocated correctly is by me filing formal complaints. The current issue is my auto debit since XX/XX/XXXX has been {$300.00}. Now, XX/XX/XXXX the auto debit only made a payment of {$270.00}. Not only was this the wrong amount, it was also not allocated correctly. My simple instructions for my payments were to apply the minimum amount due for each loan group and any additional amount should have been applied to group A, my highest interest bearing group. I want my payments to be allocated correctly, i want my auto debit to be the correct amount, i want all my future payments to be allocated based off of these simple instructions : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. 
Since this is now the XXXX time i 've had an issue i want assurance i will not have this issue again. This is federal money that they 're handling and misallocating payments has already been a hot topic for a " competitor '' company, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Other service issues

Complaint: I purchased a ring as described as a certified XXXX yellow gold Alexandrite ring on eBay and paid using my PayPal account. After receiving the said merchandise I verified the information with my jeweler and the jeweler informed me that this ring was not XXXX gold and the size of the alexandrite did not match the certification documents. Contactingboth EBay and PayPal they said they could not help me with my claim as they bothclosed my claims without informing me. As noted in the eBay terms of use it clearlystates in their money back guarantee states " If a buyer suspects that an item is counterfeit, and there are strong indicators that the item is counterfeit, we do n't require the buyer to return the item to the seller. The buyer agrees to cooperate with us to ensure the proper disposal of the item. In such instances, we refund the buyer for the full cost of the item and original shipping, and the seller reimburses us for the refund. The buyer may not sell the item on eBay or elsewhere. '' XXXX EBay Money Back Guarantee XXXX. As EBay and PayPal unable to resolve my issue as informed by representatives of XXXX company 's they informed me to file a claim with my bank. It is quite frustrating how EBay does not honor their own money back guarantees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My hardship begin In XXXX, when I lost my job after 20 years at XXXX XXXX XXXX. My wife was also recovering from XXXX so she was not able to work. By losing my job with XXXX XXXX XXXX I lost my health insurance and all the medical bills were paid out of pocket while my wife was ill. 
I started a new job at The XXXX, on XXXX XXXX, 2015. I had to take a huge pay cut. At the XXXX, I had no health insurance and with the pay decrease and added expenses we were unable to pay all of our bills. This caused us to get behind on our mortgage payments. 
I was advised by US Bank to apply for a assistance and our loan has been in review for over a year now and they still denied any assistance to get our mortgage current. See the denial letter attached. The denial states they can not give me any assistance because of indemnification clause. As of today I still see no indemnification provision. I contacted US Banks and requested them to identify the document which indicates that the loan prohibit loan modifications.. I need to see if there is a conflict between the guidelines and HAMP. If there is then HAMP guidelines require servicers to make reasonable efforts to the investor restriction, which is XXXX XXXX. I also sent a complaint to XXXX XXXX and they will call me back as to why I ca n't get assistance to keep my home. 
US Bank subject borrowers to " Kafkaesque delays and obstructions for loan modification. They have a pattern when I send in applications and documents I have to send the same documents over and over again. I am in a bad place right now with my mortgage because they will not give me any assistance with my mortgage nor will they accept any payments. Therefore, with every application denied my delinquent payments increase to the point where I ca n't pay it. I am just not understanding why US Bank is doing this but I do know I will fight to keep my home and will do and have done everything I could do to keep my home. I have some equity in my home and I have enough income to keep my home. I have every intention to keep my home. 
Thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX, I was alerted by Bank of America of suspect charges on my credit card. When I checked my pending charges, three stood out as purchases I didn't make. One for a XXXX XXXX, another at a XXXX, and another at an XXXX XXXX. The charges were of the amount of $ XXXX {$100.00} a piece. Bank of America agreed over the phone that the charges were false, canceled my card, and sent me a new one.

Of the three charges, two never got past the 'pending ' stage but one managed to slip by which was from XXXX , the first fraudulent charge to be made. That one was quickly reverse on my statement, I assumed because they didn't catch it in time This week, starting Monday XX/XX/XXXX, the charge from XXXX totaling {$76.00} was placed back on my credit card statement stating that charge was made with my card. 

I called a few times to gain info about why the charge was put back. I wasn't given any info why other than their research showed that my card was present at the time of transaction. Which is impossible I was at home and sleeping off the XXXX that day. 

The lady on the line stated that my card had to have been used as chip card can not be copied. Which is in contrast to was is stated on their website ( screen shot attached ) That day I was at home and was nowhere near where the charges were being made. Since I was at home I have no way of proving that I wasn't in the area. On my second call, I did obtain the old credit card number in case XXXX could look up the transaction and possibly find security footage that proves it wasn't me. I haven't had time to make it to that part of town due to starting a new job this week.

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 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: During XXXX, I submitted a loan medication request via the HARP program to my mortgage services, Seterus Inc in order to prevent going into foreclosure. Seterus constantly sent me letters requesting the same information after I would fax the documents or mail for over XXXX months. During XXXX XXXX, I told Seterus to go XXXX because I could no longer play their document games, saying they never received my entire package. As a result of illness, car mechanical problems, and being out of work which caused decrease in my salary, I was unable to pay my mortgage from XXXX XXXX to XXXX XXXX. I sent Seterus during XXXX XXXX, a letter indicating I can start repaying my monthly mortgage : principal & interest by XXXX or XXXX XXXX after I completed paying off another debt. Since I pay my property taxes and home owners insurance, I also questioned in my why Seterus sent me a monthly statement saying I had an escrow shortage due to an outstanding property tax balance of {$67.00} for XXXX when I do not have any outstanding payments for taxes or insurance. I paid principal and interest to Seterus on XXXX XXXX and they accepted that payment. I sent them XXXX XXXX and they returned my payment. I called Seterus and told payment not accepted because they are foreclosing on my home. Ever since XXXX XXXX XXXX had stolen my escrow surplus for over {$3000.00} and transferred my mortgage loan to XXXX/Seterus, this company had given me XXXX and had been threatening me with foreclosure, constantly used to call my job leaving my social security number with other people at my job, and was charging me late fees for money they said I owed XXXX, but they could not assist me to get my escrow surplus from XXXX, and I would receive unknown fees I was not made aware of or late fees for months when I paid my mortgage prior to the grace period due date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (IL).
Issue: Unexpected or other fees

Complaint: On XXXX XXXX a charge was taken from my Indiana XXXX debit card. I notified them of this charge and took all the precautions to dispute the transaction. I can not speak to any representatives, Ive been on hold multiple times each over 30 minutes this is ridiculous. I have to report my card as lost or stolen to even have an option to speak to a real person. I currently still do not know what is happening with my case or money {$23.00}. Yea its just XXXX $ but its my childs money for XXXX and no money is available so my child misses out. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop.

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
Consumer complaint received 09-05-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I called to speak with someone to see if there was an error on my statement.I was told that their deferred billing was different and the interest on their card generates on the balance you initially borrowed not the current balance. I, m hurt and felt like I was deceived, my balance was {$1700.00} and the interest is {$1600.00}. I, m not sure if there will also be additional interest each month. I have had a problem with this bank before, that went into my bank account and withdrew some money as if I made a payment and that was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a mortgage loan over 10 years and they still have it active. the home was foreclosed on by the homeowners association which I no longer have the property but they still call to pursue payment. saying that i still have the property I spoke with someone there they told me show them documents that the homeowners accumulated the property and they should Release Me From This death and they not have done so I went back got all the documents and email them and they did n't live up to the word.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My credit was affected by the poor business practices of LoanCare, the mortgage loan servicer for XXXX Mortgage. Below is a brief summary of the most recent incident. LoanCare systemically engages in obstructive, if not downright fraudulent, business practices, resulting in late payment fees and negative impacts on credit scores. I have paid our mortgage without fail every month since we bought our home XX/XX/XXXX 
Monthly, we pay our mortgage by scheduling online payments through our XXXX Bank checking account. At some point, LoanCare changed our mortgage account number ( without notifying me XXXX, resulting in the XX/XX/XXXX payment being returned electronically to our XXXX Bank account XX/XX/XXXX. LoanCare did n't notify me that this payment was returned, so I thought our mortgage payments were being applied appropriately. Instead, the account appeared to be missing the payment XX/XX/XXXX. Further, the amount of the monthly mortgage payment increased over the summer from {$2600.00} to {$2700.00} ( also without me being notified ), so not only were subsequent mortgage payments being applied to each previous month 's mortgage, I also then needed to pay the difference in the new monthly amount as well as late fees to rectify this. Because the monthly loan amount increased, and LoanCare wo n't apply payments unless they cover the entire monthly amount due, LoanCare then held {$2500.00} without applying it to my account, thus charging me further late fees. LoanCare did not have the correct mailing address or contact phone number listed on my account, and had my wife 's phone number listed as the contact, even though she is not on the mortgage. After spending much time talking to various call center employees and supervisors to figure out why LoanCare was n't accepting my mortgage payments, I paid ( again ) the mortgage payment that was returned XX/XX/XXXX, as well as the difference remaining after the monthly mortgage amount was increased, plus late fees of {$430.00}. I asked LoanCare, ( in writing : XXXXXXXXXXXX ), for these late fees to be refunded and a letter sent to the credit report agencies stating that my account is paid as agreed with no late payments. I also updated ( again ) our mailing address and contact info, and asked that I be immediately notified if there are any subsequent changes to the account. After waiting several months for a reply, LoanCare stated that they would not refund late fees and would not send a letter to the credit reporting agencies showing that my account has always been continuously paid in full, on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Payday loan () with CHECK INTO CASH INC. (CA).
Issue: Charged bank acct wrong day or amt

Complaint: The lender cashed the check I wrote, for {$2000.00} early. I explained that the funds would n't be available until XX/XX/XXXX, I dated the check for XX/XX/2015, and it clearly states on my bank statement that the check was deposited on XX/XX/XXXX, which lead to various overdraft fees, along with my account being overdrawn. I spoke to XXXX, and made very clear that the funds would NOT be in my account until XX/XX/XXXX, like the check was dated. They also called me, to verify that the check was mine, and that the funds would be there on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (CT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the recent Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been a   college student   since   XX/XX/XXXX . I attended a private college until  XX/XX/XXXX , and then in  XX/XX/XXXX   I started attending public universities- First was  XXXX  University  XXXX  There I received federal subsidized and unsubsidized loans without any problems. I beg an      XXXX   XXXX   at  XXXX   XXXX  University in   XX/XX/XXXX , a nd received  XXXX  PLUS loans unt il  XX/XX/XXXX . Aga in, no problems. For the past 2 years I have been attending     XXXX   XXXX     at  XXXX  University, and continued to receive  XXXX  PLUS loans with no problems.. UNTIL my servicer got switched to Navient. As soon as my loans got transferred from  XXXX   XXXX  to Navient, my financial aid was cut off, and loans immediately went into repayment. Navient claims that  XXXX  University borrowed too much money for me in   XX/XX/XXXX ,  and I have to consolidate my loans and begin repayment immediately. I am poor. I am  XXXX . I am a former   XXXX   XXXX   XXXX  . I do not have an income besides small  XXXX  payments  ( social security ). I do not have a family to fall ba ck on. I survive on my   XXXX    PLUS loans which pay for my cost of living. I was never given any notification, phone call, or email informing me there are any problem. I am about to be evicted, and I will be homeless on  the street in 1 w eek because of this problem Navient claims that no other servicer or university claimed. I am about to lose everything as a result of this claim  Navient  is making which there is no evidence of anywhere. Additionally, I am still enrolled in school full-time. Yet they have still put my loans into repayment. After doing some research, I have found Navient is being sued by th e U.S  XXXX  Consumer Financial Protection Bureau for doing similar things to other consumers. Add my story to the list of evidence against them. If you know how I can get help, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: On XX/XX/XXXX, I received a call from Navient at my new place of employment. It was forwarded to my desk through the office operator. Never have I given Navient my work number nor my permission to contact me there. I told the rep to never contact me at work. She told me I need to provide a written letter stating this and even then, they did n't know how long that would last. Then, on XX/XX/XXXX, my HR department received a fax from Navient requesting my work status. I was not made aware by Navient that they were doing this. I was called into my HR office much to my embarrassment. Navient has attempted more than once to injure my reputation with my new employer and has cost me valuable time away from my new job to address issues that are private. These actions on their part are inexcusable and indefensible.

Company response to consumer: Closed with explanation