milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Debt collection (Medical) with National Business Factors (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: National Business Factors in XXXX XXXX, Nevada. 
" XXXX '' called me at my job and told me that my payment had gone down considerably so I told her that my husband had lost his job and that is why. She then asked me if I had a job, which I replied that I did. She then told me that she could not accept a {$25.00} payment on a {$12000.00} medical account and if I do n't make a {$100.00} payment by XX/XX/2016 that my " XXXX '' is on the line and not my husband 's, referring to being taken in to have my wages garnished. I do n't make any where near what my husband was making, I have XXXX children that I 'm still supporting and I 'm separated from my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ME).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My Citibank credit card p ayment was due on  XXXX   XXXX ,   XXXX   which was a Sunday. My bank processed the electronic payment on Monday  XXXX   XXXX .  Citibank di d not process this payment until  XXXX   XXXX  and charged my account a late fee of {$35.00} and interest of {$39.00}.   I  called Citibank and re quested a refund of both the late fee and interest charges but they refused to refund the late fee or interest.     I have enclosed a copy of my bank statement and credit card statement.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: On XX/XX/XXXX a State Tax Lien for {$14000.00} appeared on XXXX, XXXX, and Transunion credit reports. I took action right away and was able to prove to the Franchise Tax Board that they had filed this in error. I submitted documentation and filed a dispute with all 3 credit bureaus. Within 30 days, XXXX  and XXXX removed this tax lien off my credit profile. Transunion however never notified me of results. I have attempted to call back on XX/XX/XXXX to see why my dispute was not processed properly. Not only was I on hold for more than 30 minutes, but the person helping me was extremely difficult to understand and there is clearly a language barrier. It sounded like they were reading of a script and could not answer any of my concerns. To make matters worse I was told they had no record on my dispute in XX/XX/XXXX. I filed another dispute on XX/XX/XXXX with confirmation number XXXX. I was told by the person helping me that their verification is electronic and they only verify my personal info such as name and social security number. This matter is impacting my ability to purchase a home for my family. I find it difficult to understand how a creditor can file ANYTHING to a person 's credit report, specially something that can not be verified but in order to prove that its not mine I have deal with it for months and go through a process that clearly is not on my side.

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 04/26/2017 about Debt collection (Credit card debt) with The Bureaus, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Okay, again, this is in rebuttal to the very offensive response to previous complaint #  XXXX .   So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in  XXXX   WITHOUT  the continued attack on my credibility and having a passive aggressive stance in your language in response.     Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account.     I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling  me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should  either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication.     Therefore, this complaint i  s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors.
It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences.
As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response.
It is my hope that CFPB is paying close attention to this thread!

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making monthly payments for years to XXXX XXXX and then Navient and have been surprised at how slowly the balance is decreasing. I requested a statement that includes all payments applied with a running balance since the start of repayment and can not get an answer from Navient. I pulled a statement from the website which only goes back ten years which is in correct however when I add my payments in this statement the total is {$22000.00} paid on a disbursement amount of {$24000.00} ( balance transferred from XXXX I believe not an actual disbursement ). The website states I owe $ 12k+. I ca n't gauge the accuracy of how my payments have been applied including payments on principal. Also why does Navient not publish complete accurate information so borrowers can assess how and if it is interest prolonging terms and high balances. According to the website my loan will be paid off in ten years. But technically looks to me I owe $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with Comerica (TX).
Issue: Account opening, closing, or management

Complaint: Dear CFPB, On XXXX XXXX, 2016, I went to the Comerica Branch in XXXX XXXX, XXXX XXXX to close my individual account. A couple of months later I noticed funds had been withdrawn from a different joint account on which I am a signer. It turns out the Comerica Branch in XXXX XXXX did not properly close my account on XXXX XXXX, and as a result, I was incorrectly charged inactivity fees, which then turned into overdraft fees as the account dropped below {$0.00}. This negative balance was then automatically pulled from the joint account. 

I went to the XXXX XXXX Branch where I closed my account in an attempt to resolve the issue. The manager there told me to contact the branch in Texas where I had originally opened my account. I have been sent back and forth with no resolution. Comerica owes me {$50.00} as a result of being charged inactivity and overdraft fees due to their error. I have patiently worked with them to no avail and request the assistance of the CFPB in finally resolving this simple matter. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been charged monthly for debt protection since 2008 by XXXX XXXX XXXX XXXX, XXXX, then Citibank when the XXXX XXXX card was transferred from XXXX to XXXX. Have contacted Citibank 3 times requesting proof of purchase of this program. They have failed to provide any proof, but refuse to offer relief. I have payed over {$1500.00} to debt protection that I am challenging and requesting proof of opt in in the form of a signature. They refuse to offer any proof and say that since the charges were monthly and never challenged they will not refund any of the amount paid.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Merchants' Credit Guide Company (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Merchant Credit Guide is attempting to collect on a medical bill that the hospital did  not handle correctly. I do not want to sue the collections company because they didn't create the issue. So if they can pass this issue back to the hospital I will move forward with suing the source not the collection agency ...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: TransUnion posts m y credit score but the credit factors they use say information unavailable. How can TransUnion give me a credit score if they have no information to go by?

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with American Accounts & Advisers Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX of American Accounts & Advisers called me this evening after I had been working with one of his reps in getting an itemized bill from a medical bill. After I explained to him that I was working with one of his reps, he proceeded to tell me that I was " Taking advantage of her niceness '' and that he " knows people like me '' He claimed that I had no intention to pay and then made light of putting this on my credit report. When I asked for his supervisors name, he then gave me his subordinates name and number. I know this because I looked it up. The name He gave me was XXXX XXXX. If he would have stopped for a moment, I tried explaining I had n't received a bill most likely because I moved and I was also told that it was covered by my insurance. Rather, he thought it a better idea to make me feel like a child in the way he was speaking to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-02-2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I began applying for a loan mod with Citibank XX/XX/XXXX. 
I almost bled to death on XX/XX/XXXX from a bleeding ulcer which I experienced due to internal pressures such as the one I am writing about right now. 
The " only '' reason I am able to write this now is I was fortunate a friend was with me when XXXX. 
After a year of getting what felt like the runaround by Citibank lower level loan mod agents which began on XX/XX/XXXX I filed a complaint with the CFPB XX/XX/XXXX. 
After being denied a loan mod by Citibank on XX/XX/XXXX in writing and via telephone due to intercession by the CFPB I was notified on XX/XX/XXXX my loan mod was now accepted. 
On XX/XX/XXXX I received an acceptance letter from Citibank. 
After the loan mod was accepted I was informed by agents of Citibank that the terms of loan were to be 2 % for 40 years. 
During a subsequent phone call a Citibank agent informed me that the loan mod would be at 2 % but would adjust upwards after 5 years maxing out at 4 % after 5 years. An adjustment I could survive with since I will not live in my home for 5 more years but it would provide me time to make adjusted payments of {$580.00} providing me time to fix house as best I can, sell it and move " somewhere ''. 
Yesterday on XX/XX/XXXX after getting the " permanent '' loan mod documents f from Citibank " changes '' in the terms appeared. 
The " terms '' changed from 2 % for 40 years to 2 % for 30 years increasing my monthly obligations prohibitively additionally changing the 4 % cap after 5 years to 4.25 %. 
Per the " permanent '' loan docs I received Citibank wants these docs with original signatures returned by XXXX. 
I called Citibank to discuss discrepancies in the permanent loan docs but was unable to speak to the agent handling my case until Monday XX/XX/XXXX at XXXX PST at which time " he '' is supposed to call me.

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 01/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Since XXXX XXXX, I was in an active modification review with XXXX. As of XXXX/XXXX/XXXX, XXXX had a full package with the underwriting team and prior to that we were informed that the loan would be transferred to Shellpoint on XXXX/XXXX/XXXX. Prior to the transfer from XXXX, XXXX assured that I had a full package which meant that the sale date would postpone and that Shellpoint would take on the file just as it left. After speaking to XXXX in XXXX, they stated it would take time for the documents to be reviewed and only on XXXX XXXX, XXXX were we told that ALL documents had to be in on their forms. We provided Shellpoint all new documents with corresponding proof only to be told on XXXX XXXX, XXXX that more docs were needed. I provided all documents and today I was told tht my income of {$10000.00} does not qualify for HAMP?! HAMP is not even an approved program then the point of contact said I do not qualify for any programs, so I mentioned will I receive a DENIAL letter so I can appeal the decision and he stated NO. This is classic example of dual tracking how cn this servicer take a file from another servicer as a full package then take 4 weeks to review and just on the eve of the sale state I dont qualify for any programs including a NON-EXISTENT program like HAMP? Please help I have over XXXX equity in my home and they are not playing fair I have complied with all that was requested of 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 02/15/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recover reps call like clock work every month and every month I tell them to stop calling me. They tell me they will NOT until I provide payment of the debt, even though I told them over and over that I will be filing bankruptcy. I block the number they call from and then it 's a new phone number they call from the next month and then they start all over again. They always tell me they will not stop calling until I pay even though I tell them I am reporting them for harassing me. I have filed reports in the past to Do not call.gov but nothing ever happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Consumer Loan (Installment loan) with CL HOLDINGS LLC (FL).
Issue: Problems when you are unable to pay

Complaint: My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: Bank of America ( BoA ) ( the servicer ) withdrew two months of PMI/Private Mortgage Insurance AFTER XX/XX/XXXX, even when the legal contract states that PMI will be terminated ON XX/XX/XXXX. 

In the legal contract, it states, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. '' The servicer notes that PMI is paid in arrears but they can not find any documentation of it in the original signed contract. The only thing found was that PMI is to be automatically terminated by XX/XX/XXXX, with no further payments. 

If there are payments to be made due to poor planning on the servicer 's part, then they should be responsible for it, not the borrower, who has already paid thousands in mortgage interest and PMI over the years. 

I tried to make efforts to resolve this directly with BoA but I ended up playing phone tag with a representative and, after a few times that I left messages, the representative stopped returning my calls. 

You will find two documents attached. The first document BoA reported to the CFPB, dated XX/XX/XXXX, had no PMI taken out after XX/XX/XXXX and also a lower monthly bill. Then I was sent another document, dated XX/XX/XXXX, with two additional months of PMI taken out and a higher monthly billing. 

From my understanding, if money is taken from an account outside the legal contract and/or without the account holders permission, whether it be this year or any future years, then it is considered fraud and/or embezzlement. If BoA is willing to do it so easily, then who 's to say they wo n't do the same to others or the government.

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 09/16/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was negotiating a settlement with Pressler & Pressler regarding a XXXX XXXX account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX XXXX who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called Pressler regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: IVE WRITTEN THUS COMPANY SEVERAL TIMES STARTING IN XXXX XXXX, 2018, ASKING FOR VALIDATION OF DEBT LETTER INWHICH THE COMPANY REFUSED TO SEND. ALSO TO ADVISE THE COMPANY THE INFORMATION IS CORRECT AND TO VERIFY THAT THE ACCT IS MINE, BUT THE COMPANY REFUSED TO SEND ANY INFO. UNDER THE FCRA THEY HAVE 30 DAYS TO SEND ME THE VALIDATION OF DEBT NOTICE AND THIS COMPANY HAS FAILED TO SEND ANY INFO ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was working XXXX, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX Bank and Capital One. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at Capital One did not resolve the fraudulent account and continues to report negative information on my XXXX credit reports. 
I have documents showing that I do not and have not lived at the address listed on the Capital One accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX XXXX XXXX XXXX Office when I reported the fraud. 
Please assist in disputing Capital One 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with Capital One.

Company response to consumer: Closed with explanation