milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In 2017, Discover Cards started airing a promotion and still have a promotion on its Discover IT card, that states no late fee charged if a payment is missed. I saw this on the TV and called to confirmed the advertisement with a Customer Service representative that confirmed that it advertisement was accurate. I asked if this I could use it and it was affirmed that I could. I soon learnt the hard way that their advertisement was not accurate. Following using the purported information of the advertised promotion but line of credit was decreased. Immediately I called to inquire why my credit was reduced and I was told that it was due to missed payments. 
You see I have been a customer for over 17 years. For the past 5 years, I have been paying down my balance on the card. With a credit line of XXXX, my balance in 2017 was about {$6500.00} which I was looking to pay down. I was dismayed when I realized that they not only decreased by card from {$16000.00} to {$6500.00}. Following the decreased Discover card, representative started contacting me that my balance was close to my credit limit. What were they expecting? When an organization reduces a customer 's line of credit to a few hundreds close to what they owe obviously the balance due would be close to the available line of credit until the balance is paid down. 
I am requesting your assistance to have Discover Cards stop its false misrepresentation/ false advertising as it is not exactly what it confirmed to the customers. Also, Discover Ad is misleading and once a customer uses their deceptive ad they are charged late fees contrary to what the customer was made to understand would be the outcome. 
In addition, I am requesting that all the late fee charge be reversed. And, I should be put in a position I would have been should I have not used this promotion that stated no fee charge for missed payment. 

I can be contacted on at XXXX XXXX XXXX XXXX Thanks for your immediate assistant. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Security Credit Services, LLC (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone used the last four numbers of my social security account to open an account at XXXX XXXX XXXX XXXX somewhere in Texas for {$1800.00}. I am not sure what date it was, but in XXXX XXXX, 2017 Security Credit Services purchased this fraudulent loan, and proceeded to try to collect this bogus account. I tried to talk to them but they wo n't budge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/16 i was charged an overdraft fee of {$36.00}, not once was i notified of being over drawn so i had no chance to correct my banking mishap before being charged justly. Called into their XXXX BB & T support line XXXX after speaking with the rep was told i was given a reversal short of right after BB & T took over Susquehanna bank and they can not reverse the fee as its policy they only credit it back once per customer. The fault is mine for the money not being there the fee is their fault for not properly notifying me as the consumer to get the issue resolved ... it could have been days before noticing my account was overdrawn which for them would be a sweet {$36.00} a day still not notifying the customer of such issue. Spoke to the supervisor who refused to reverse it as a supervisor still has no rights to credit it back manager etc so policy 's jacked. Supervisor advised i am correctly signed up for all email and text alerts and that tech team will call the following day to troubleshoot the issue with alerts, the following day got no call from the techs had to manually call back in. Speaking with the tech, who refused to open or look at the ticket # i provided right off the cuff, not till i got irate did he then look at it and say it honestly means nothing -- he then told me that they lied and i was not set up for text alerts. XXXX department to another they can not get their answers straight as they are at fault and still refuse to credit back the fee in their negligence to notify me properly. Then also i found out tonight they charge customers a fee of {$2.00} per call after your first XXXX calls in the billing cycle not once was i advised of such fee and then again unjustified have been charged without a word edge wise to prevent such fees. This needs to be corrected and they need to get straightened out as they are making a killing robbing from their consumers. Thank you for taking the time to review this request and any actions taken to resolve this matter. Have a great day folks!

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 07/28/2017 about Debt collection (Medical debt) with Certified Credit & Collection Bureau (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Every month I receive a collection notice from this company. The debt incurred because the medical people and the insurance company were not speaking. It has been taken care of, The bill was finally paid by ins. in XXXX.
I 'm in their system and automatically get these notices every month ( sometimes every few weeks. ) The medical office said I was not in collections. Yet they keep coming.
I called once and got a very nasty person on the phone who left me on hold for 10 minutes.
I 've written and told them to stop.
Bill was paid. Make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: Hello, I was defrauded by someone from XXXX and my bank, chase, has not been able to help me. He stated he was selling tickets for a musical in exchange for {$400.00}. I transferred the money via CHASE XXXX XXXX and within 10 minutes of not hearing anything back, I immediately called Chase to help reverse the transaction. They could n't reverse the transaction and was told they would not be able to mark it as fraud as I had initiated the transaction. I have called the XXXX XXXX PD ( scammer " XXXX 's '' phone number ), XXXX XXXX PD, and I have put in an internet crime complaint in hopes that 1. There will be an investigation into " XXXX 's '' account and closed as he scamming victims. 2. I would like to get my {$400.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MN).
Issue: Shopping for a loan or lease

Complaint: I purchased a car from regional acceptance corporation XX/XX/2014. I started off with XXXX and have paid XXXX on this loan, the payments are XXXX a month. The loan is still at XXXX, it 's crazy. In 31 months I have basically not been reducing my loan amount at all. I have tried to refinance for a lower monthly payment, they will not work with me on this. They have sent me off to other lenders and nobody else will work with me, not even my own bank because the value of the loan and XXXX price of the car is XXXX. I have over XXXX in negative equity. No loan officer, nor car dealer will work with me. I am praying and thank GOD that a door will open. I was gon na make bigger payments to try and pay the car completely off, just not able to make that happen right this minute.

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 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I first reached out t o Navient on three oc casions (  XXXX   XXXX ,  XXXX  and  XXXX ,  XXXX   )  via " Contact  US  '' on my Navient on line account and emails. Also, I called on   XXXX   XXXX   XXXX   and the Navient representative informed me that they could not find the email I had sent using my Navient on line account via " Contact Us. '' I sent an email through " Contact us '' on my XXXX  online account on   XXXX   XXXX   XXXX   I followed up with call on  XXXX   XXXX  and was told by Navient representative that he was n't able to find the email I sent through " Conta ct Us  '' onmy XXXX  account to address this issue. He told me to send an email to  XXXX  XXXX  XXXX  with supporting documentation, which I did and received another generic response from Navient. The response did n't address the issue I had brought up with Navient.     I was a  XXXX   XXXX  volunteer from  XXXX ,  XXXX  to  XXXX ,  XXXX . During my service, I qualified for {$0.00} repayments under the  Pu  blic Service Loan Forgiveness  program ( Income-Based Repayment ). But I was informed by Navient that I can only apply for deferment during my service.     I have reached out to Navient requesting a retroactive qualification for  Public Service Loan Forgiveness  ( Income-Based Repayment ) from  XXXX ,  XXXX  to  XXXX ,  XXXX .     When I found out about  Public Service Loan Forgiveness  ( Income-Based Repayment ) and spoke with a Navient representative, I was not informed that that my  XXXX   XXXX  service counted towards the 120 payments for  Public Servic e  Loan Forgiveness ( I ncome-Based Repayment ). I have reached out to Navient requesting a retroactive qualification for {$0.00} payments for  Public Service Loan Forgiveness (  Income-Based Repayment ) during my service. {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX   should be credited towards my 120 payments.     I uploaded documentation supporting my  XXXX   XXXX  service and income during my service, which qualified me for Public  Service Loan Forgiveness (  Income-Based Repayment ) at {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX  . I think {$0.00} payments during my service should be credited towards my 120 payments for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from RESIDENTCOLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENTCOLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Credit card) with Bleier & Cox APC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was sued XX/XX/XXXX. However, I was not notified that I was sued until I received a wage garnishment notice in the mail on XX/XX/XXXX. 

The company alleges that had sent an initial demand letter with the notice of right to dispute to XXXX XXXX XXXX XXXX XXXX , CA on XX/XX/XXXX. I did not reside at this address when they had allegedly sent the initial demand and thus never received it. 

The wage garnishment and shock of having been sued has caused stress in my family life and my work life. 

Further information can be found in CFPB cases [ 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 06/19/2017 about Money transfer, virtual currency, or money service (Check cashing service) with WELLS FARGO & COMPANY (GA).
Issue: Fraud or scam

Complaint: I received a check for amount of {$6000.00} from   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX  do their banking with   XXXX   XXXX  . Check was made to me (  XXXX   XXXX  ). So i signed back of check and ask my wife to deposit it, few days later i check my account and did not see a deposit posted yet so i asked my wife if she deposit the check. Finally we found out the she lost the check.     I contacted  XXXX   XXXX  ask them to stop the check and send me another check but they told me that the check has been cashed at : *Well s Fargo Bank in Arizona ( I live in Georgia ) *Cash ed o n  X/X/2016     *Routing # :  XXXX  *Seq # :  XXXX .      Teller w ho cashed the check, did not get any identification for check cashing and there is no information of who cashed the check.     I have talked to  XXXX   XXXX ,   XXXX   XXXX   and  Wells Fargo B ank several times but they have not help me so far. It is been almost 9 months and i have not helped yet. Please help me to solve this matter and get my {$6000.00} back Contact at  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX , Ga.  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 05/20/2015 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WV).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo reposessed our vehicle in XXXX. When I sent a complaint to them about violating the SCRA, they denied getting my husbands XXXX for the XXXX. They also denied repossessing the vehicle. They sent me the original loan information, which clearly states the original payment was {$510.00} at 16.95 % interest rate ( they bought our loan from another bank in XXXX ). After fighting with them to lower the interest rate because we bought the car before enlistment, they finally lowered the interest rate and the payment became {$420.00}. They are saying they had no idea of deployment when in fact they did because in order to lower the payment, I needed to fax them his orders. They are refusing to send statements stating the changes interest rate, even though the payment is drastically different than the original loan states. They also claim they did not repossess the vehicle. They charged off a {$13000.00} vehicle loan, and they are claiming that they did not also take it. My husband should have been protected from this. They are trying to obscure the facts and as a consumer, we ca n't get into the files. They can easily say that they did n't reposess it but the facts are we no longer had the car in our possession in early XXXX. If they are doing this to my husband, I am sure they are doing this to other soldiers who are unaware of what happened to them.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient customer service has been extremely rude and they refuse to help me lower my loan payment despite numerous calls to tell them that I ca n't afford the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Home equity loan or line of credit) with Sortis Financial, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, I paid ClearSpring Financial to clear a lien and release a mortgage on my home. It has been approximately 90 days and there is still a lien on my home. I am under the understanding, in the State of Michigan, they have 60 days to clear this matter. They are failing to perform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: This is what the bank is doing to me:XXXX dollar lawsuit. The suit was filed in U.S. federal court in XXXX, Texas a small community just XXXX miles north of the XXXX XXXX XXXX, about a XXXX XXXX XXXX XXXX XXXX XXXX.The lawsuit alleges that BofA mortgage holders have suffered hoursof telephone run around, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delays in efforts to get home mortgages modified. " The facts in this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the This is exactly what the Bank is doing to me in this case : The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas Debt Collection Act. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank, of BofA employees handling their mortgages. Only XXXX of the homeowners have been foreclosed as a result of problems. 
Mortgage holders have suffered hours of telephone run around, misleadingand inconsistent information, lost correspondence, verbal abuse, andextensive delays in efforts to get home mortgages modified. " The factsin this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the lawsuit. " It is the normal way the bank handles business. " The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas XXXX XXXX XXXX. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank. 
This is far from the truth, the bank is doing exactly to me of what occurred in the above case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with WELLS FARGO & COMPANY (UT).
Issue: Bankruptcy

Complaint: I filed a Chapter XXXX Bankruptcy and it was discharged in 2010. Wells Fargo was included and they continue to report currently, damaging my credit every month.

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 07/13/2016 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never recieved this bill could be it was never forwarded to my new address. But if this is a medical bill it should have been covered by my insurance.

Company response to consumer: Closed
Consumer complaint received 10-11-2017 about Debt collection (Medical debt) with State Collection Service, Inc. (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: State collections has called me on a previous bill I owed them during the call they violated HIPAA. I told them then to cease and desist my account and that I did not want an communication. Tonight I had another call via message dial for a new account that had listed in their office and after sitting on hold for over 4 minutes before being connected to a representative they refused to tell me their company name. They insisted I must verify who I am and that they would not give out their company name without that information. I told them to cease and desist my account again and that they are never to call or mail me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received a call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.

Company response to consumer: Closed with explanation