milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been a victim of identity theft. On or about  XX/XX/XXXX  I 've obtain a  XXXX  Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a Macy 's CC that I never open. The last time that I applied for a Macy 's CC was back in  XX/XX/XXXX  and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the Macy 's CC was open on  XX/XX/XXXX  and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But Macy 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. Macy 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.

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 01/22/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: We have an auto loan and mortgage with Chase Bank. We got a home equity loan through our bank, XXXX XXXX. XXXX XXXX sent the auto loan payoff check for {$13000.00} which was received by Chase on XXXX/XXXX/2016. The check was made out to Chase Auto and included the auto loan account number. We waited about a month and when our loan was n't paid, we contacted XXXX to find out where our payment was. That 's when we discovered the check was posted to our mortgage loan, {$2400.00} to our monthly payment and {$11000.00} to the principle. The check processor hand wrote the mortgage account number on the check. We then called on Thur XXXX to have the payment transferred from mortgage to auto loan. During the call, we got disconnected. After calling back on Fri XXXX, they told us it would be transferred within 2 business days. We waited 4 business days and called back on Thur XXXX when it had n't transferred. They then told us they would correct the issue while we were on the phone. Today we called on Sat XXXX and they told us it would take until XXXX XXXX to have the payment applied to the auto loan but has already been removed from the mortgage account as a misapplied payment. Of course, this also means we have to continue making monthly payments until they resolve this issue and get the money transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MN).
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 ordered clothing while at a store in XXXX, XXXX for {$1800.00} using my Chase XXXX credit card on XX/XX/XXXX. The following day the store sent a person to do some measuring at which time I noticed the materials did not match those I chose in the store. I ask the store to cancel the order, but they refused to do so. I immediately contacted Chase to dispute the credit card charges. When the clothing arrived, it was not what I ordered and the materials manifest on the package clearly states the materials were not what I ordered. I repeatedly tried to contact the store to a obtain a return authorization and return address to return the clothing for a full refund, but the store did not respond or provide an address to return the clothing. I received a letter from Chase on XX/XX/XXXX stating the charges were valid because the store did not receive the clothing I attempted to return. I reopened the case with Chase and informed Chase that I had attempted to return the clothing to the store but was unsuccessful in getting a response from the store and that is why I still had the clothing via writing and a telephone conversation. On XX/XX/XXXX I received another letter from Chase stating the charges were valid due to the amount of time that has passed. I believe Chase has made mistakes in handling this dispute. The merchandise I received was not what I ordered. Chase incorrectly assumed I had and was able to return the merchandise, but the merchant did not answer their phone or emails in order to provide me with a return shipping address and I had informed them of this problem before they made their determination. 

The merchant has not provided to Chase any documentation that states the quality of the clothing. The merchant provided documentation on the box of the sent clothing to me that is different than they described to me at time of purchase ( attachment XXXX ). The merchant has provided sales drafts that are completely different than the ones they provided me ( attachments XXXX and XXXX ). The sales drafts the merchant provided me do not state that the clothing is non-refundable nor do they contain my signature, nor are the signatures on the sales drafts provided to Chase by the merchant my signature indicating fraud by the merchant. I believe Chase has inadequately evaluated the provided documentation I submitted and negligently investigated my dispute and therefore a billing error remains in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: Chase Purchased my home for {$500.00} well below market value after they forced a foreclosure on it. They respond with answers that have nothing to do with the facts which will be proven in court THIS IS STRAIGHT FORWARD THEY AVOID THIS IN EVERY OTHER COMPLAINT THAT THEY COLLUDED WITH THE REFEREE TO PURCHASE MY HOME FOR {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The lender makes every effort to not credit payment on the date that it is received. 
The lender charges high fees for making payments and intentionally delays posting payments to create additional late fees. 
The United States Postal Service confirms that the payment was received on XXXX XXXX but the payment is not posted until XXXX XXXX. The Lenders ' correspondence states that a late fee would only be charged after the XXXX. But a late fee is charged to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2017 about Mortgage (VA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: I contacted Loancare service via phone on XX/XX/XXXX. I inquired about " total fees '' of {$280.00} on my statement dated XX/XX/XXXX. I was told that the charges included {$75.00} inspection fee because our loan is backed by the VA and we were behind on our mortgage payments. The inspection was required by VA policy. The inspector was verifying that home was not vacant. I was told the inspections occurred on XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX by XXXX XXXX. I first told that the inspector/XXXX XXXX is a " loancare employee '' then I was told that the inspectors were " independent contractor ''. I was told then told that the inspector was supposed to leave a business card at our address. We never received a business card. When I questioned the customer service rep about the business card. I was then told that the inspector was not required to leave a business card. I was then told that the inspector took photos of our home and filed a report with loancare. I requested proof of the inspection via photos and/or report- since I was charged a fee for a service I do not believe occurred. I was told I had to subpoena loancare to receive the requested documents. My mortgage was sold from XXXX to Loancare. I have had nothing but problems since Loancare took over our loan. Please investigate Loancare for unethical business practices and violation of inspections required by VA backed mortgages.

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 11/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co-signed for a {$5000.00} student loan with Naviant and the student isstill finishing her Masters but the 48 month grace period hasSupposedly expired. They have been sending twice daily emails andTwice or more daily phone calls even after I called and requestedA paper billing statement and advised that once i got the bill i would startPayments. They refused to stop the calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Syndicated Office Systems d/b/a Central Finance Control has placed a collection on my credit report. This was placed on my credit report in XXXX 2016. I have not once received a phone call, notice, statement or any other information from this collection agency. I have called them countless time, mailed letters and send fax to this collection agency. Five months later I still do not and have not received anything about this debt that is on my credit report. 
I have without fail contacted this agency, my attorney has contacted them and neither of us can obtain any information on this debt they have placed on my credit report. 
The amount of this debt placed on my credit report is {$88.00}. I have faxes from myself and my attorney on this matter, letters mailed that were returned to me. Their customer Service Reps. will not speak with me nor with they comply with any request to mail me record of this debt.

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 09-05-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After reviewing all of my student loans online I realized that I never opened a private student loan with Sallie Mae. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through Sallie Mae. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with Sallie Mae I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called to adjust my auto payment so that it would pay more than the minimum amount due, but was told by the customer service representative that their system was unable to do this. My original monthly minimum payment it {$87.00}, but I have had auto pay setup to pay {$150.00} for the past year, so the answer given by the customer service representative appears misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (AK).
Issue: Billing disputes

Complaint: We have been dealing with a foreign vendor that has was not able to ship out a very expensive dog slat mill from purchase time in mid XXXX. This vendor has been desperate to not refund the money and has said what it took for us to consider salvaging the deal. So we had a dispute with him and closed that dispute as he promised to get the merchandise to us. This vendor knew where we lived as he charged shipping as part of the original item quote. He still could not get it shipped to us and I filed a complaint with the CFPB back in XXXX because my credit card company would not re-open the dispute. They only re-opened the dispute after I filed my CFPB complaint. Meanwhile the vendor told my husband in an e-mail that he had to take the item apart to limit weight to send air freight and that if he could n't send it out within a week from XXXX XXXX, 2017 that he would refund our money. We never heard back so after a week and 1/2 I contacted him and he was very rude saying I had called him names and a scam, which is not true. I said I was inquiring about the refund he promised if unable to ship a week from XXXX/XXXX/17. It was now XXXX/XXXX/17. He simply comments he will refund the money if not able to send out. I told him in that e-mail enough was enough and not IF he would refund ... but WHEN he would refund. So when my credit card company ( Citibank ) re-opened the dispute they gave me a conditional credit back. The vendor had NEVER communicated with us since that XXXX XXXX, 2017 e-mail. He never shipped out the item. IF he had we would have had tracking information, etc. SO what does he tell my credit card company? He tells them he shipped the item. I never even saw what he provided my cc company. However, what did they do? They put the charges back on my credit card and now I am over the credit limit. Really? I am their client that they should protect from unprofessional vendors who have a history of scamming people. 
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX will scam you. : XXXX XXXX I actually just posted on the facebook page about XXXX being a scam artist. 
I did sign, date, and resubmit the emails to my credit card company indicating I want the dispute to continue. The cc company has an obligation to make it right with the consumer. It is a {$1500.00} item, and we absolutely did not receive this item. Being located in a remote, rural area, it is very easy to see if an item was sent or received. I want the credit card company to refund my money and close the dispute recognizing that the vendor is fraudulent and again owes some level of protection to the person they have obtaining credit through 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 01/30/2017 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease

Complaint: Please see the attached document with the full explanation. This venue is too short for the events that have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX. I am a veteran and the lawyer from VA recommended this website to me to file complaint. Currently I am facing a foreclosure issue with my mortgage company. I used to have my mortgage with XXXX XXXX XXXX, and I never had any problem with them at all. However, since they sold my loan to Nationstar Mortgage LLC, the nightmare began. My due date is XXXX of each month, they kept calling for payments in the beginning of every month. When I told them that I have made my payment already, they would just hung up on me. I have always paid my mortgage before due date, but they just posted the transition after my due date to charged late fee. For that reason, I needed to make my payment a week before due date to avoid late charge. Started last year, they added a liability insurance to my mortgage. I own a condo, and the insurance is included in my HOA payment. So I called and sent them copy of my insurance with all the details few times, and they said they will look into my account. In the meantime, I kept paying my original payments on time. Three months ago, I tried to make my regular payment online as usual, but their website wo n't let me to pay. Then I called them again and tried to solve the problem, they told me I have to pay the insurance that they added plus late charge and interest with money order. I have been called and discussed with them this few months. However, they just sent me a letter this week, and tried to push my home into foreclosure. 
If you check their customer review on XXXX, you will see they have been doing this to a lot of their customers. Unfortunately, I am one of them now. Can you please look into this issue and let me know how could I solve this problem.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX  2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.

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 11-03-2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Was going through a divorce in XX/XX/2012 and desperately needed cash to secure an attorney for custody of my daughter to prevent my wife from obtaining 100 % custody for no justified reason. Took a {$10000.00} loan from cash call and am paying over {$800.00} per month and balance is still reflecting close to {$1100.00} after paing ontime for over 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I used Coinbase.com to convert virtual currency into XXXX. I then initiated a transfer to my bank account via the XXXX withdrawal method. The total amount was XXXX.XX/XX/XXXX: Submitted withdrawal request. Website stated that "Your XXXX will arrive by the end of day on Saturday XXXX XXXX, 2017"Transaction has shown as 'PENDING' since XX/XX/XXXX.XX/XX/XXXX: Opened a ticket on their support system.XX/XX/XXXX: I received a generic response "issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert."XX/XX/XXXX: Received another response "It will likely take at least a week. Let us know if you need anything else in the meantime."Internet forums and social media demonstrate that many users are experiencing the same issues. I am concerned that my funds will not be transferred to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX/XXXX/17 I called Home Shopping Network ( HSN ) at XXXX to order an item for {$49.00}. XXXX, the representative, told me if I opened an HSN credit card I could take {$40.00} off my total. I agreed and she processed my order. I then asked her what the interest rate was on the credit card. She replied that after we were finished, I should not hang up ; I would be transferred to a recorded message and terms would be disclosed. We finished and I did hear a recorded message about the account, but there was NO MENTION of the APR, or any other financial information about the account. Only when I received the card with the agreement in the mail did I learn the interest rate is 27.74 %.
I have attempted to email HSN at least ten times through different " Email Us '' links on their website, and using two different browsers. No email will go through.

Company response to consumer: Closed with explanation