milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: When I purchased a home the company completely messed up the funds and the mortgage company sent them followed by an attempted hack of my account which locked it for 7 days and when I called them about it they transferred me around to try an get me to hang up and in fact hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Medical debt) with Medical Financial Services, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. Medical Financial are billing me for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I asked for verification of debt in XXXX and the company has not verified the debt to me. Since it did not verify the debt within 30 days, it should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Servicing LLC is attempting to steal my home. my name is XXXX XXXX XXXX,. They filed an assignment to XXXX BY NOMINEE on my home @ XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX using Document XXXX filed XXXX. 

I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (I do not know) with ERC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MS).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This is a formal CFPB Complaint filed by XXXX XXXX against Wells Fargo and XXXX XXXX. <P/>The financing of the XXXX XXXX customer-purchases ( derived from unlawful, deceptive, and unconscionably high-pressure sales tactics, with the sales appointments, themselves, always induced by an elaborate referral-scheme of {$100.00} XXXX gift cards ) is deceptive, fraudulent, unlawful, and unconscionable. Specifically, this allegation refers to the exclusive-financing relationship that exists between XXXX XXXX/XXXX XXXX XXXX and Wells Fargo Bank, whereby customers are led to believe that they are applying for a traditional, closed-end loan only for the amount of the ever-shifting price quoted by the XXXX XXXX sales representative. In fact, the Defendants actually trick or otherwise induce, without the required disclosures about the nature of the credit-application being executed, the customers to apply for what turns out to be a XXXX Home Projects credit card, issued by Wells Fargo bank. <P/>As a standard practice, XXXX XXXX sales force completes all paperwork that is executed during these late-night, in-home appointments, and then simply gets the customers to sign the paperwork that was filled out by the XXXX XXXX sales representative. <P/>This practice, pleaded in the paragraph above, is aimed by the Defendants at deceiving and /or concealing from the prospective customers of XXXX XXXX/Wells Fargo : ( 1 ) the nature and quality of the actual products they are purchasing ; ( 2 ) the many terms and conditions that apply to XXXX XXXX so-called 100 % Satisfaction Guarantee program ; and ( 3 ) the financing terms and the fact that a XXXX Home Projects Program credit card is being applied for of the transaction. This practice of the Defendants, among constituting various other torts, breaches of express warranties and implied covenants, and statutory-violations, is an unlawful violation of the Truth in Lending Act.

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 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: After getting a Citi AAdvantage credit card in XXXX 2015 I received an offer from Citibank for XXXX XXXX miles for opening a new Citi Gold checking account and making specified transactions. I opened the account, made the required transactions, and in various secure messages from Citi I was assured that I met the requirements of the promotion. I was promised XXXX XXXX, miled by XXXX XXXX. Now Citi is claiming that I am not entitled to the bonus as promised. 

I do n't understand how this can be legal. I want Citicard to honor the promise they made to me in writing and post my XXXX miles to my XXXX account Thank you in advance for your assistance.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I this rectified by improving their security features, by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently re-enrolled in school for my XXXX XXXX at the University XXXX XXXX. Prior to re-enrolling I called my loan servicer, Navient, and requested information on how to make sure my loans would be put into deferment during my time back at school. They informed me there was nothing I needed to do and that NSLDS would inform them when I was officially enrolled. Fast forward to a few weeks after I had been attending classes. At this point I had received a letter from my other student loan servicer, XXXX, stating they were informed I was in school and my account was now in deferment, nothing from Navient. I called Navient and was told they had no information verifying that I was enrolled in school again. I nicely pointed out I had just received a new federal loan from Navient to cover the cost of the tuition for my XXXX XXXX and it was already showing up on my account with the status of " in school ''. They said they could not do anything because the mere fact that I had a new loan did not really mean I was enrolled ( How else would I have gotten the loan? ), they suggested we conference call with the school. We called the school and they verified I was in fact enrolled in school and they had sent the information to the NSLDS and Navient should be able to see it. Navient simply stated they could n't and to try again later. A week or two later I got a call from Navient requesting I provide proof I was in school and some additional forms to bring to the school, up to this point I have not had time to get them filled out ( I work full time and attend school, when would I have time to wait in line at the financial aid office for an hour or XXXX just to get a form stamped? ), on my account it now states that my loans are " waiting for documentation of forbearance '', which is n't even what I 'm trying to do. I will eventually get the forms stamped but I find this absolutely ridiculous. First that clearly Navient is ignoring the XXXX as both my school and other loan servicer agree the information stating I 'm enrolled is there, and second that I have a brand new loan with Navient stating I am in school and they refuse to accept that as proof. Again I ask how could I get a new federal student loan without being enrolled in school?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company keeps calling my phone looking for my husband. I don't owe the debt and this is not his phone!

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 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an open account with XXXX XXXX, # XXXX. I have a XXXX balance, per the attached documents. Experian refuses to XXXX out the same. I am asking the balance be reported as XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Debt collection (Medical) with Capio Partners, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These debts from XXXX hospital are from XX/XX/XXXX and XX/XX/XXXX, I do n't understand why Capio put in my credit report that these accounts were opened in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. ().
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hi, Two months back I was offered a credit card by CITI bank with wonderful features, the main feature of the card was CASH BACK, sales executive who offered me card had told me that I will be getting 5 % cash back on all the transactions made irrespective of the limit of amount and types of transactions. However this card was chargable annually. I was fine with the card features and ready to pay the annual charges. I enrolled for the card and I received the card as well, for the first month I received bill only with the annual charges as I did not make any transactions during first month. In the second month I made a transaction of 17000.00+, however I didnt receive the cash back as promissed while selling the card. When I enquired with Customer care executive they told me that I should accumulate minimum XXXX points so that I can redeem with cash of XXXX XXXX ( XXXX points=XXXX XXXX ) and the cash back will be provided on movie ticket and not all the transactions. I informed to customer care executive that I was promissed with different features only because of that I opted this card. They raised the ticket with the reference XXXX however I am not getting any resolution for the problem. It is almost 10days that I am following up but issue remain same. I have all the recorded with me which I have had with sales executive and customer care executives.

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 04/16/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously disputed the XXXX item off of my XXXX & EQUIFAX report on XX/XX/XXXX for XXXX and received the response below : I checked my credit again and it was put back on under XXXX for XXXX in the amount of {$530.00}. 
XX/XX/XXXX Completed XXXX Reported on XX/XX/XXXX {$530.00} Item Results Result : No Longer On File - XXXX has found that the disputed item is no longer on file. 
Dispute Reason Ownership : The creditor agreed to remove my liability on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: I called Wells Fargo over a year ago (XX/XX/XXXX) and asked them for a Loan Modification.  I also mentioned to Judge XXXX XXXX XXXX (approx. XX/XX/XXXX) that Wells Fargo refused to help me.  I explained to them, that I was dealing with a financial hardship.  I became retired XX/XX/XXXX.  I was scheduled to appear in court XX/XX/XXXX, which was on a monday.  Court was closed that monday in observance of XX/XX/XXXX, which was on Friday XX/XX/XXXX.  I physically called the courts, and checked on the internet to make sure I would not miss a court date.  On XX/XX/XXXX  (4 days later), I received a NOTICE OF ENTRY AND JUDGMENT OF FORECLOSURE.  It states if I don't pay $XXXX by XX/XX/XXXX,  my home will be sold.

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 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 12/19/2017 about Checking or savings account (Savings account) with GOLDMAN SACHS BANK USA (OR).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: In XX/XX/XXXX we discovered a fraudulent savings account had been opened at Goldman Sachs Bank by a third party who illegally obtained our personal data. We contacted the bank immediately at that time by phone and US mail, requesting that the account be closed. However, over the next 10 months we continued to receive correspondence referencing this fraudulent but still active account, forcing us to recontact the bank on XX/XX/XXXX. We learned at that time the account had in fact NOT been closed. Having heard nothing from them over the next two weeks, on XX/XX/XXXX we again requested by phone and US mail, that the account be closed immediately. We have been told verbally the account is closed, but so far have not received complete and accurate documentation to that effect. We have also continued to receive correspondence from Goldman Sachs referencing this account as late as XX/XX/XXXX. On XX/XX/XXXX we again contacted Goldman Sachs Bank by phone, but the Fraud Department representatives refused to speak with us directly to resolve this issue. We are still waiting to hear from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have an American Express open business card for more than 5 years. In XX/XX/XXXX last year I was  notified from American Express by phone that I got 0 % promotion interest charge for one year. Since then I always made minimum payment every month on time. Today ( X/XX/2017 ) I logged into my account and I found there was {$240.00} interest charge on X/XX/2017. I paid my balance in full immediately and called American Express asking why there was an interest charge on my account. I was told the 0 % interest charge ended on X/XX/2017 and the charge is for 30 days balance. Since I signed up paperless statement I never get a notification about when the promotion period ends. It is unfair to charge me the interest rate without any notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I consolidated my Federal Student Loans with XXXX in XXXX 2016, but Navient is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting Navient both verbally and in writing about correcting this information. Navient is no longer the agencies for my Student Loans, the accounts have been paid in full to Navient, the accounts should be closed - show a XXXX balance. But they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Using a debit or ATM card

Complaint: I bank through hunington bank and I have been ripped off by XXXX I stopped my auto pay notified the bank they still allowed the transaction to go through then returned everything that was already pending and charged me a fee on all transactions up to the {$1000.00} mark after disputing it on both sides the bank declared it as my problem and XXXX has admitted fault and is willing to refund the money and the bank refuses to change the fees due to there error of not stopping it disputing it in a timely manner so that this would not happen

Company response to consumer: Closed with monetary relief