milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account on XXXX/XXXX/XXXX through promotional offer XXXX which promised XXXX XXXX XXXX miles after completing two bill payments and spending {$1000.00} by debit card in the first 60 days. 

Citi failed to send me a debit card within the first 30 days and when i contacted them, they issued an ATM card that I was unable to use as a debit card. After another call to customer service, I was finally issued a debit card and requested to have the deadline of 60 days be extended another 30 days in order to complete the requirements in time, to which they agreed. 

I contacted Citibank on XXXX/XXXX/XXXX to confirm my eligibility had been extended and discussed the matter with online agent " XXXX '' ( Correspondence attached ). He explicitly confirmed my eligibility had been extended an additional 30 days and stated that if I completed by second bill payment XXXX, the requirements for my account would be met to receive the XXXX bonus points. 

I completed my bill payments in XX/XX/XXXX and XX/XX/XXXX and had multiple online conversations with Citi representatives to confirm that I still qualified and met all the requirements. 

I contacted a Citigold representative again in XXXX XXXX in order to follow-up on my promotional offer. a representative by the name of XXXX XXXX XXXX stated " there is an investigation open on the status of the offer. Once the back office support finishes their investigation, you will be notified via secure email to the address listed below with the outcome. '' I still have not received a response to this case being opened ( as of XXXX/XXXX/XXXX ), nor have any agents been able to confirm that there is even an open investigation related to my account opened at any time around this date. ( message correspondence attached ). 

On multiple occasions, Citibank gave me a password to open a secured email with the status of my request, however, a notification was never received by me. When I called back on XXXX/XXXX/XXXX and spoke with agent " XXXX '', he reaffirmed my eligibility for the offer and stated he did not see any open cases for the matter. He opened a new case ( reference XXXX ) to be resolved within " 2-3 business days ''. 

I called Citigold once more on XXXX/XXXX/XXXX seeking a resolution for my matter. A representative by the name of " XXXX '' stated they had not seen any forward movement on the account as formerly promised. I have lost all confidence in this matter being resolved internally. I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.

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 04/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Ocwen  /  XXXX   XXXX . Sent me modification paperwork, while the paperwork was still under review  by Ocwen they submitted our home for foreclosure. I have never received any notice from Ocwen about  the foreclosesure. The only reason I know about the foreclosure is from all the advertisements in my mail as well as people driving by ( which is scaring my children  ) and pe ople calling me. I received notice  XXXX / XXXX /  XXXX   that  Ocwen will not modifiy my loan. Based on the modification letters and dates, Ocwen never planned to modify my loan. I still have never received any thing from Ocwen  stating they were going to foreclose. I am a single parent with  XXXX  kids at home,  XXXX  of the children are   XXXX   XXXX   XXXX   XXXX  and have special medical equipme nt. One of the  children was born   XXXX   XXXX   XXXX  , only has a   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and spent over a month a  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  level   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , he has   XXXX   XXXX   XXXX  . My children and I have been through alot.    Ocwen is terr ible with paperwork, dates, payments, amounts, etc. Their information is incorrect on most of their paperwork and documents. I sent them a QWR letter to request verification last year On some of the things I asked they could not respond since they did not know.   I realize this is short notice, but I just received the information.   Thank you for your time.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am requesting the removal of negative reports for my student loan accounts due to personal family issues. Attached is the letter that I would like to send to FedLoan to have the negative reports removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX, with whom, I do not have a contract with, is reporting on my Equifax credit report. In an attempt to validate the account, I requested a full validation of this account and XXXX completely ignored this request.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I have a fairly new loan with this company and since day XXXX I 've had nothing but issues with payments and being told XXXX thing and the company does something different. The first issue was when I was told that the company would honor the date on a check I had wrote for my payment it was a holiday and I knew the checked would be delayed. The rep I spoke to assured me it would n't cause me to be 30 days late but indeed it did and they did n't honor the check date like they said they would. After reviewing my credit and seeing a 30 day late status I contacted them again and explain the situation and they told me they would credit back the late fees and soon after I found out in XXXX from a supervisor they did n't after I was told in XXXX they did. Next issues was that the company never informed me that XXXX payment was n't made until XXXX when I was confused of why my credit report was now showing 90 days late. The company time after time promised things and did n't hold their end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with The CMI Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX/2017 I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX ACT # XXXX the company apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (Other type of mortgage) with PNC Bank N.A. (IL).
Issue: Closing on a mortgage

Complaint: I have tried for over two years to short sale my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. PNC has sabotaged every effort in short saying my property. I have provided them with all the necessary documents in a timely manner. They kept reassigning me new case managers and that caused a delay in who was receiving the paperwork and in that process I have lost two buyers. This was due to the negligence on behalf PNC. 
I have previously filed a complaint against PNC and XXXX XXXX responded to me within four days of my complaint. She was helpful, however ; she had informed me that if I sent her and the loss mitigation team the necessary paperwork that they would review it again for a short sale. This is not what happened. I had my short sale lawyer ( XXXX XXXX ) send in the paperwork and then I received a not from PNC lawyers stating that they were unable to review the paperwork because I had already gone through two review processes. XXXX had also informed me and my lawyer XXXX that PNC needed the Chapter XXXX judge to make a judgement that a short sale can go through. However, the XXXX lawyers denied the judgement when my attorney brought it in front of the judge. 
Now during this whole process I was forced to file Chapter XXXX because I did n't want PNC to come after me. 
My bankruptcy lawyer ( XXXX XXXX ) has tried working with PNC lawyers as well to get a judgement from the judge that a short sale can go through. Without that judgement PNC said they wo n't allow the short sale to go through. On the flip side they also wo n't agree to the short sale judgement. My lawyers and I are shocked at the negligence and merry go round tactics that PNC is playing and at this point we are unaware of what to do. 
I am appalled that PNC is allowed to deter people from selling their property. 
I tried for two years to sell the property and in that time my husband and I had XXXX children and a dog. The condo was unfit for the family we made. I then tried lowering it by XXXX thousand dollars and was still not able to sell it. My assessment company would not allow me to rent it out either. This was a very unfortunate circumstance and I have tried very hard to do everything in my power to sell this property properly and PNC has made it very difficult. 
I tried to sell my property, then I went to all court dates to stop the foreclosure and try to short sale the property and now after having to file chapter XXXX PNC is still trying to deter me from trying to short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (WA).
Issue: Struggling to pay mortgage

Complaint: The lender never served notice to the borrower. The co Borrower and the borrower have been divorce for 5 years. The Co borrower has sent in documents asking for a modification and was just told the package was not completed. They are now claiming that the missing information is from the borrower. There was an email sent to the co-borrower on the XX/XX/XXXX. In this email there was no mention of a deadline. The co-borrower was advised the missing information was current pay stubs and banking information. After this information was put together the Co- Borrower was told they would process in 3 days- The same day when the co-borrower called again- he was told the full entire package needed to be receive 30 to 37 days before the date of the sale. 

The first company is XXXX XXXX- now there is a company called Loan Care- The main contact person XXXX has yet to reply to an email, phone call or messages. Every time we call we are told a different story. 

Also- there was a notice mailed from Loan Care- stating a payment - that was to start in XX/XX/XXXX. When asked if this was the modification- NO ONE would give us an answer. There was no indication of the loan amount- terms.. JUST a new Payment to start in XX/XX/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 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Experian Information Solutions Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Violation of the law, failing or refusing to validate disputed items within XXXX days

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 08-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I usually pay extra on my mortgage. Every servicer I have ever had always just applied this to the principal. My servicer was recently changed to GreenTree. I noticed a statement on my bill that " partial payments '' are not applied, but held ( presumably without interest ). My additional principal was treated as a partial payment. More importantly, if I ran into hard times and paid less ( but still covered interest and some principal ), *NONE* of that amount would have been credited to my account. This practice should not be permitted. Payments should never be placed in limbo not earning interest while you 're paying them interest.

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 08-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Bank of America reordered transactions so my paycheck deposit came after two debits and cost me {$70.00} in overdraft fees. The debits were not on my account the day before and then at XXXX appeared on my account along with the paycheck deposit.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX XXXX, I received notification via my credit alert service with XXXX that my credit had been run by XXXX XXXX. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX XXXX, I received a notice in the mail from the XXXX XXXX of the incident  and also discovered that the XXXX XXXX also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.

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 11-07-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: I have a Wells Fargo Bank credit card for about XXXX years. I was reviewing my charges, when I notice a protection charge in case of unemployment. I call Wells Fargo Bank customer service for a explanation. The customer service indicate to me that they could not help me that I had to call the protection company. Furthermore, I receive a letter about XXXX week later canceling the program and refunding XXXX for 8 months and that I had agree to the product, but did not show me prove that I authorize or apply for the product. However, I have been paying for the product for 15 years. I had XXXX for XXXX in XX/XX/2015 and wells fargo bank never indicating to me that I had that option available to 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 03-09-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SC).
Issue: Managing the loan or lease

Complaint: I paid my auto loan on the website and received an email to my personal account with an alert stating that it was suspicious. I will like to know if a third party is receiving my payment.

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 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On Thursday, XX/XX/XXXX, I woke up and found my credit cards at chase ( all five of them ) were closed. Upon calling in the same day, I was informed that due to an " unsatisfactory business relationship '' deemed as such by a Chase affiliate, they had gone ahead and closed all my credit cards and accounts. <P/>I have five cards : Chase Freedom, Sapphire, Hyatt, Fairmont, and IHG. I truly enjoy the service from chase and having these cards, but am very saddened by their closing. They told me I was able to redeem my points for at least 30 days after closure. <P/>I have since received two letters from chase, saying they closed the five credit cards on XX/XX/XXXX, and will close my two bank accounts by XX/XX/XXXX. <P/>Chase has refunded me annual fees totaling {$210.00}. I would rather have kept the cards open and continued using them. I have called numerous times the help lines on the back of my credit cards, with no success ( or help of any kind ), as well as spoken with a chase banker ( at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) early last week ( either XXXX or XXXX ). <P/>I am highly alarmed at my treatment, and am concerned about my points - the Fairmont credit card specified that if I spent {$6000.00} by XXXX, I would earn a free night award. I have done so ( three purchases of {$2000.00} on XXXX, XXXX, and XXXX ) but was repeatedly denied getting those points ( roughly 6,060 points ) as well as the free night award, due to the fact that my statement that would have closed in early XXXX will no longer post. <P/>I am happy to speak with someone about this in further detail. I have never missed a payment, am a loyal customer ( having chase for many years now ), always pay ON or well before statement due date, and generally am a model customer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Unsolicited issuance of credit card

Complaint: A Chase Amazon credit card was opened under my name. When I contacted Chase about this they closed the account and said they were going to send me a brochure about fraud. I took the steps to place a flag on my SS number and filed a dispute with the XXXX major creditors. I sent a follow up letter to Chase requesting copies of all business records related to the account. After 30 days passed, i received a letter from Chase stating the account was deemed fraudulent and they were working with the creditors to get this removed from my credit report. When I called to ask about the letter I sent requesting business records related to this account it was apparently sent to the wrong department and it would be directed to the correct department. I would also like to add that the fraud investigator told me that she is unable to provide any information regarding the investigation and that my sheriff 's office needed to contact them to get the info. My sheriff 's did a police report, but since the account was opened online there would be no investigation from them. 2 weeks later I received a letter from chase with the info that was used to open this account. The phone number, income, email address ( invalid email address I may add ) and mother 's maiden name were all incorrect. I already have a Chase freedom card, so would n't the fraudulent application be flagged since the majority of info was wrong? I requested actual copies of documents, not info typed in a letter and I feel there is more information related to this account that they are not sending me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Making/receiving payments, sending money

Complaint: had late payment reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (TN).
Issue: Managing the loan or lease

Complaint: about 3 years ago we borrowed XXXX dollars @ 25 % interest I have paid {$740.00} a mounth for 3 years and was sure it was about paid off.i called today and they informed my intrest was now 89 % I asked why I was not informed to which I got no answer this company is called cashcall in XXXX tx the original loan was with XXXX in California then XXXX now cashcall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: There are 2 Portfolio Recovery Associates for amount of {$2000.00} and {$550.00} that does not belong to me. I have sent Portfolio Recovery Associates a debt valuation several times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, the borrower submitted a modification application to Wells Fargo Home Mortgage ( " Wells Fargo '' ). At Wells Fargo 's request, the borrower submitted additional documentation on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo issued a letter in which it stated that it had approved the borrower for a trial payment plan. In this letter, Wells Fargo also stated that the " terms will be provided in a future communication. '' To date, Wells Fargo has not provided a written description of the terms of the trial modification, and has failed to provide even the amount of the monthly trial payments and the start date of these trial payments.

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