milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Credit card () with Alliance Data Card Services (UT).
Issue: Billing disputes

Complaint: I purchased a ring from XXXX in XXXX, UT, in XX/XX/XXXX, under the 60 month no interest plan through credit from XXXX Credit Card, which I was approved for. And was told that it would be about {$65.00} a month. My wife did not like it, so she found one that she liked that was cheaper. And we were told that even though it was cheaper, the price per month would be similar, or a little less on the 60 month plan. And that I would be notified by the credit card company in a few weeks. So, I get the bill from XXXX and it is for {$140.00} a month! So, I spoke with XXXX on or around XX/XX/XXXX from their customer service and he told me it was a mistake and they would see about getting it fixed, and to go ahead and pay the $ XXXX for the first month and they would work things out. So I had not heard back so I contacted them again today, XX/XX/XXXX about the issue today and they told me that since my ring purchase was less than {$3000.00}, that it could not fall under the plan. And that it fell under the 18 month plan. That is not what I was told by the store and that is not what XXXX from customer service told me. I spoke with XXXX from XXXX, and she said the only way to fix it through their legal dept. And they doubt that could happen. Basically, from my point of view I was sold something on a lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2018 about Debt collection (Other debt) with Harris & Harris, Ltd. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The debt is court-cost misdemeanor fine of {$1600.00} incurred on XX/XX/XXXX. In writing with a Recorded, Certified letter, I asked company as to stop calling as of XX/XX/XXXX. I currently receive ONLY XXXX ( Federally determined XXXX ) as income appr. $ XXXX The last phone call was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with Focused Recovery Solutions, Inc. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I was not aware of this debt after the bill came they stated they would make payment arrangements, I have not heard from them since then I've gotten this notice with my address has changed since XX/XX/XXXX this bill is dated XX/XX/XXXX. I am young wants to buy a home this will damage my good name tremendously.. Violated the HIPPA ACT or Law

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited my financial aid reimbursement check, {$1300.00} onXX/XX/XXXX into my recently opened Capital One 360 account via their mobile application. The check was written out and sent to me onXX/XX/XXXX 
OnXX/XX/XXXXI get an email stating that I need to call CapitalOne360 to verify my recent account activities and that I had 10 business days to do so. That afternoon I call in and get through to their " security '' team. I was informed that there will be a hold on my account and was questioned about the check and if there was something wrong with it. I was unsure as to why or if there was a problem with the check. I told him I would have to get back to him on it. 
I called the financial aid advisors at my school and the institution ( Bank Mobile ) that they used to write out the checks. The college said they already sent the money to Bank Mobile and Bank Mobile said the check was cashed and processed. 
With this information, I tried to contact the " security '' team again at capital one on two separate days. 
XX/XX/XXXX, I would call in and not be able to reach the " security '' team, instead I was told by some intermediate team that I could leave a message and the " security '' team would contact me within two business days. 

XX/XX/XXXX, I would go to a physical branch of CapitalOne and see if someone there could help me with my situation. I was told by the teller their that they had no power to do so and recommended me to call CapitalOne360 again and tell them I was in an actual branch. I did so, and only got through to their intermediate team again and told to leave a message. I told the women that I had doe so the previous week, how I did not get contacted within 2 business, and that I was in a physically branch. She said she could n't help me anymore, and that I could either leave a message again or she could send an email to them and that I would get contacted within 24 hours. With no other options, I requested the email be sent. 
Later that day at home, I would shoot one more call at CapitalOne360 to get a definitive answer. This time a guy answers from the intermediate team, and he tells me that ( according to his limited notes from the " security '' team ) that, 1, account was placed on hold by the security team and he had no power in that action. 2, business relation is ending after everything is set and done. Once the check goes through, they would transfer that money to my account in another institution. 3, my funds would no be accessible to me/withdraw able by me. In response I ask him, " so how do it get my funds withdraw able? '' He tells me that he does not see a set of action for me to do to get my funds withdraw able. I respond " So did you guys just take my financial aid and that 's it? '' I receive an unclear response and he reiterated the that, according to his notes, the hold on my account was determined by the security team.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have a savings account with CITI bank ( XXXX, Florida ) among other accounts with the same bank. 
While longing in my online banking I was offered a promotion saying if I keep certain amount of money in my savings account for 3 months I get {$50.00}. I did it. Never received the reward. I contacted the bank, they told me if I didnt have the " promotion code, they were not able to locate the promotion. They told me not to worry, that they will use a new code, and to wait another three months to get the reward ( in other words, to do all over again ). I did it. No reward. I contacted the bank. Same response. Asked to check on their records, they should have my first complaint. No response. They asked me to do it all over again. Did it. No reward. 
My complaint is the Citibank is misleading and false advertising to incentivize me to keep certain amount of money ( XXXX ) on my savings account, so they can used as their want, but never give the reward. 
I would like to get {$15000.00} as I have had that amount of money for more than a year. If that is not the case, I just would like to let you know what they are doing. 
Thank you very much. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX Cell XXXX XXXX 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 explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I recently saw a new story and it mirrored my exact situation with Navient. I literally called yesterday trying to find a way to pay on my loan which has continued to climb and is now almost XXXX ... They have me on the forbearance plan when I am trying to get an income-driven plan to actually pay this down but I get XXXX luck with this at all. Then last night I saw this ( XXXX ) story and I needed to contact you to get on board with this. They told me if I am eligible for this " forbearance '' for 20 years that I would fall under the federal aid act and would wipe out my balance completely. Seems to me they are using people like myself as pawns to make a huge profit from our government in 15-20 years by killing consumers with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my credit report from Equifax, report confirmation # XXXX and noticed a hard inquiry was recorded on my report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted Equifax to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The employee, XXXX, informed me that she could not do anything to assist me to have the hard inquiry removed and that it was my responsibility to contact XXXX XXXX to obtain a letter from them verifying I did not apply for credit. She also asked if I contacted the police department to report it. Also, she confirmed it would stay on my credit report for two years until Equifax receives a letter. I asked to have a fraudulent inquiry put on my file to ensure this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: I am a mortgage customer of Wells Fargo Mortgage. My mortgage was " modified '' in XX/XX/XXXX. When I received my first payment coupon I noticed an amount of {$7800.00} listed as " Unpaid XXXX principal balance. '' I have requested a disclosure statement which would detail what constituted an unpaid principal balance several times from Wells Fargo over the past three years to no avail. My most recent inquiry on XXXX/XXXX/XXXX with a customer service rep named XXXX XXXX resulted in a pledge from XXXX XXXX to e-mail me a loan document which would itemize the charges making up the unpaid principal balance within 24 hours. I have yet to receive the document which is the same result I 've encountered over the past three years reflecting egregious and repeated behavior by the mortgage department. Any closing document, including a loan modification, is required by law to itemize each charge to the borrower. The fact that Wells Fargo Mortgage has continually failed to produce details on this charge leads me to conclude that the unpaid principal amount may have been for late fees, attorney fees and other charges which should have been waived under the Government 's borrower modification programs which the Bank may have used in my modification. Additionally, they may have used my loan as proof of their requirement under the omnibus settlement with the Federal Government to rectify past mortgage abuses. In any event, my complaint is being filed to force Wells Fargo to " itemize '' the amounts used to create this unpaid principal balance so that I may know upon sale of the home what may be legally deductible or not. At the very least their continuing failure to disclose clearly may be unlawful. Thank You. My loan number with Wells Fargo Mortgage is : 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 explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Just received results of  a 2nd dis pute with Equifax for the same issue and there is no way Equifax verified the account status. Equifax is still reporting the same inaccurate information. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I resided at Edge XXXX XXXX OH for XXXX month and left after my contact expired paying all my bills in full. However the management sent my account to collection agency and reported me to credit bureau stating there are an outstanding balance of {$960.00}. I reached out to XXXX which is the management and i was told i have to pay a sub leasing fee of {$960.00} although, there is no agreement made between me and XXXX and my contract was maintained until i left and there were no violation whats so ever. I left after XXXX month residing at XXXX because i was relocated to Michigan for work and i supplied them with a documentation stating my situation and I brought in a new tenant my self to take over the remaining XXXX month rent without any cost to XXXX or any damage to property. 
Despite all my effort to leave the property in a good term XXXX decided to billed me {$960.00} which i strongly disagreed. 
As a result I have a derogatory marks in my credit history hence XXXX reporting. I would like the bureau to remove this derogatory marks based on inaccurate information.

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 02-11-2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In the XX/XX/XXXX I put in for my financial aid and was told everything was ok, only to find out that the financial aid office had messed up mine and several other students aid packages. The mistake left me owing approximately $ XXXX to the university. I started making payments to the university but was a student worker and was living on my own. This added a tremendous amount of XXXX to my life and then the university cut my hours. In the XX/XX/XXXX I stopped college due to the financial issues that I was having with the university. I had given Information about my issue with loan holders online, they told me that they would work with me. About 3-6 months later I found out that XXXX XXXX had my loan, I told them of my financial problems and started making small payments on my loans, then the job that I had cut my hours in half. I then contacted XXXX XXXX to explain my situation and then all of a sudden my loan is in the hands of Coast Professional Inc, and during the transfer they are charging an addition approximately {$8800.00} penalties and interest. It upsets me that my student loan went from about $ XXXX to now $ XXXX in less than 2 years. Now I finally started a decent job that I can afford to start paying on the loans again but I do n't like the fact that nearly $ XXXX was tacked onto my account. I was honest about my lack of ability to pay during a XXXX period of my life and feel that I ' ve been gouged by all the interest and penalties added to my account. Please let me know if I have a way to get a fair loan with more reasonable lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIBANK, N.A. (AZ).
Issue: Problem with additional add-on products or services

Complaint: I purchased a central air conditioning unit from XXXX XXXX XXXX with my Home Depot credit card. XXXX XXXX XXXX  is the company Home Depot uses. I made this purchase on XXXX XXXX, 2016 from a sales person sent to my home. The unit was installed on XXXX XXXX, 2016. The price was {$9400.00}. After the installers left I noticed the air coming into the bedrooms was hot air so I called them to come back. They came back the next day and said there was nothing wrong with the unit. I did find out later from the gas company that it had been hooked to the furnace when they installed it incorrectly. Evidently, on one of their trips to my home they got that part fixed but, it still did n't cool as it was suppose to cool. I was told by the salesman XXXX that he had given me an estimate to replace the duct work. He never even mentioned nor gave me any estimate of duct work. He then said, " I have been in this business long enough to know how to protect my XXXX ''. He said he would not help me and then hung up on me. I contued to call them and called Home depot as well. In XX/XX/XXXX I became very ill and had ungone XXXX XXXX. I was not able to continue calling these people. Then I had another XXXX XXXX on XX/XX/XXXX of this year. At this time the heat began to get higher so I called Home Depot. They said the prblem had been resolved and XXXX XXXX XXXX had replaced the duct work. They had never done that. Finall about a month ago they came in and replaced a portion of the duct work but, now the temperature has a variance of 7 to 10 degrees different in the bedrooms from what the thermostate is set at. I 've called Home Depot again and they said they no longer deal with XXXX XXXX XXXX so there is nothing more they can do. I have called XXXX XXXX XXXX and they will tell me they are sending out someone but, they simply do not show up. I have told Home Depot that I will not be making any further payments until this is made right. No one is doing anything and I believe the price they sold this unit for should be cooling the home.

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 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Around XXXX 2017, fraudulent charges were made on my Wells Fargo credit card. I disputed these charges to Wells Fargo and was successful in having some removed. However, Wells Fargo has refused to remove a significant portion of the charges, claiming that the signature on the receipts matches the signature they have on file for me. First, when stolen, my card contained my signature -- a signature that even a child could replicate. Second, the signatures are NOT the same. Third, this is the ONLY " proof '' they are going by. The proof is cryptic, vague and inconclusive. Wells Fargo is handing their hat on it to avoid liability, despite touting a zero liability protection benefit. Also, I requested the documentation for the charges they DID remove and they have not provided them to me. 

I disputed these charges in accordance with Fair Credit Billing Act. Not only does Wells Fargo itself promote " zero liability '' protection, the FCBA also affords me similar protection. If all it takes is for a fraudster to create a " similar '' simple signature, the " protection '' is illusory. 

I demand further proof other than a claim that the signatures appear similar. 

I have hired an attorney and the attorney received the same unacceptable generic, unresearched response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (CA).
Issue: Account opening, closing, or management

Complaint: My checking account at SunTrust Bank was closed without notice ( no call, email, letter ) and I was locked out of my account with online access. After multiple ( & gt ; XXXX calls ) over 2 weeks to try and resolve the issue and to find out where my disbursement check of greater than $ 5k was, I was given vague answers and no definitive date of when I 'd receive my check for the balance of the account. SunTrust is well known ( online searches ) for this type of poor customer service and lack of transparency with account closures. Please send the balance of my account to the address on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have a student loan with Wells Fargo Education services. Instead of them calling me only - they have been reaching out to people who have NO association with my loan. In fact, the people they are calling - the only way they could have gotten their information is by   XXXX   people with similar last names. My aunt recieved a call asking for me to collect a debt. She is not a co - signer, not a reference she has absolutley no association with the loan what so ever. I have no idea how they got her phone number, the only thing I can think of is that they   XXXX   my last name and found people in the area to call and try and get a hold of. Extreme harrassment. When I confronted them about the situation they said " we must have dialed the wrong number ... ''. Even though her number again, is not on any account I have with Wells Fargo. They claimed she was put on the do not call list, but there was no reason for her to be called in the first place.

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 09-03-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief