milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2018 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not 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 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank gold checking promotion that offered XXXX XXXX XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I sent the following secure message to Citi to confirm that I had successfully completed the Citigold checking promotion. 

Account Number : Interest Checking XXXX Subject : Promotional Offer Reference : XXXX Hello, I wanted to confirm that my account has fully completed the requirements for the XXXX AAdvantage miles from the promotion I signed up for the citigold checking account. 

With the two bill pays and {$1000.00} debit transactions completed, please credit my AA account # XXXX. 

Regards, XXXX XXXX XXXX : XXXX Citibank then confirmed via a secure message that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. 
More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than {$120.00} in account fees to keep the account open until the points had posted.

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 08/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Requested possible solutions to avoid foreclosure. Opted to apply for a loan modification before trying a dead in lieu or short sale. 

I have never heard back from the Service Company about the Loan modification application, beyond requesting a form to be filled and signed for credit check. Filled, signed and sent in promptly. 

Receive letters from loss mitigation department, call get no response. Leave multiple messages asking for options other than foreclosure and outcome of loan modification application. Never get a return phone call from them. 

Received yet another letter from loss mitigation date XXXX XXXX, call and get no response. Shuffled into the same voice mail box, requesting options other then foreclosure and the status of the loan modification application. Receive certified mail informing of a foreclosure auction date for the end of the month. Letter was signed 2 days prior to the loss mitigation letter. 

I 've still never heard back about the loan modification application. From what I understand, they need to send a denial reason by mail, which was never received. From what I understand, they have to make a good faith effort to work something out when we are all looking for a better option than foreclosure. No return call or letters about the modification do n't sound like an effort on their part. 

All we want is to postpone the foreclosure date and work on another option with the Service Company. Short Sale, Deed in Lieu or traditional sale as the value of the home is hire then what is owed. Homes in this area sell fast and often well above asking price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My personal information has been used by someone else who has recently purchased a Capital One Credit card under my name, using my information as well as making purchases way beyond what I would spend. Purchases maxing out up to almost {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express ( Amex ) mailed us a promotional offer to award XXXX points after we spent {$5000.00} in qualified purchases within 3 months of the account being opened. There were no conditions on us having had an account with them previously. 

To ensure, these were all the terms, we also called and spoke to a customer service representative " XXXX '' who confirmed the terms as written. 

Given this confirmation, we applied online and quickly received the cards and met the spending requirements within 3 months. 

One month after that and after verifying we had not received the additional points, we called and were told we did not qualify due to having had an account before.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account with Mariner Finance shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to Mariner with no response.

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 06/20/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Using a debit or ATM card

Complaint: My debit card was fraudulently stolen. On Friday XXXX XXXX when I received this news from the bank they told me they would ship a new card within 5-7 days. I asked them to ship it to a new address not the one on file. I was told this would not be a problem. On Saturday the XXXX I called to inquire about my card. They informed me it was shipped to the address on file, not where I requested it to be sent. I asked them to overnight a new XXXX due to their mistake and to waive the fee and they repeatedly refused to do so. I kept pointing to the fact I have n't had a debit card in a week and I should n't have to pay the {$12.00} fee due to their mistake and the supervisor said there was nothing she could do. I threatened to leave the bank that I 've been a customer of for over a decade and she did not seem concerned XXXX bit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt. 

I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (NJ).
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: I received a call from XXXX XXXX XXXX and told that i could lease a car i had shown i terest in with {$2500.00} down and $ XXXX monthly for three years. When I came into the dealership they confirmed the price and ran my credit even had me call my insurance co. Later on they brought out a contract with higher prices than promised. If they would have told me the real price instead of luring me in with false information I would have never been at the dealership or have permitted them to run my credit. 
XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 05-08-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to another servicer and I was never notified. I went to make my monthly payment and my mortgage account no longer showed up. I called my previous servicer Bank of America and they informed me that my loan had been sold. They stated they mailed letters on XXXX XXXX. I contacted them on XXXX XXXX. I have not received any information from the new servicer either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied for a Loan Modification with my mortgage servicer Citimortgage XX/XX/2016. I have complied with all requests for updated documents and have sent them all in a timely manner. To date XX/XX/2016 Citimortgage has not made a decision on my modification although I qualify under all of the guidelines : my loan is owned by XXXX etc. Citimortgage has also started foreclosure litigation against me even though I am in consideration for the loan modification. I can not afford a lawyer at this time and the HAMP program is set to expire on XX/XX/XXXX. Please help. I do n't know what to do. I have been employed at a new XXXX job for over a year now which pays me enough to be current on a modified loan. Thank You.

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 07/14/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (UT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Recieved multiple ( at least XXXX ) calls in XXXX days time frame. Never left a message. When I called back to see who was calling, I was repeatedly hung up on. When I was finally able to see why they were calling they said a debt was owed. When I asked for details I was transferred to another person to and started the process over again. Then I was hung up on again. I called back XXXX times and spoke to XXXX different people. When I asked for details on the debt, I was hung up on. When I called back, I asked to speak to a manager and was hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I, XXXX XXXX have never had an account /contract with XXXX XXXX.I have never received any correspondence from them ; therefore i am requesting that this item be removed from all three credit breaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had requested a copy of my credit report and once receive it I saw collections on there that I had no knowledge of. I sent out letters on XXXX XXXX, XXXX, XXXX XXXX, XXXX, asking them to send me how these companies are verifying these account and they are not giving me the items that I have requested. I know that this is a violation of my right according to the fair credit reporting act. All these collections are keeping me down in my credit XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I ask that you make them do their job which is not tell me its verified but what method they use to verify. I need to see documents with my signature on it and if they cant provide me with these papers I want them to stop reporting these items as accurate because just because they said it does n't make it true so I need the papers delivered to me, so i can see how they are verifying them

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX, my husband I applied online citibank.com for a checking and savings account. on XX/XX/XXXX we received an email notice that we need need to provide additional documents. We provided all necessary documents on or before XX/XX/XXXX. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I called to check on a status of debit cards to be mailed. I was told they were on the way. On XX/XX/XXXX, I went to a branch and was told that no cards were ordered. I then called again and was on hold for an hour. The agent reassured me that he would overnight the cards to me. Then later that evening my husband called on XX/XX/XXXX about his debit card and was told them same information. it is now XX/XX/XXXX and we do not have debit cards or access to the accounts. We are unable to get truthful answers to our issue from the representatives. I would like to lodge a formal complaint against citibank. The account is due to close on XX/XX/XXXX for lack of activity.

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 06/24/2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: I have been paying my Dillard 's credit card online with my same bank routing number and account number I had inputted into the online pay system and saved in the online pay system since XX/XX/2014. The servicing on the credit card changed from XXXX XXXX to Wells Fargo sometime in XXXX 2014. The online pay system information was still the same and my access username and password was still the same. I did n't change any information I had inputted into the system. 

I never had issues with XXXX XXXX when they were servicing the card, but when it transferred over to Wells Fargo, Wells Fargo did not notify me that my payments were not going through and being applied properly. I kept trying to pay online and I would see the money ( payment ) as pending in my checking account, but then disappear and not be deducted after a XXXX of days. Wells Fargo was not taking the money out of my checking account even though my bank routing # and account # information was the same. 

I did not notice this until I got a letter months later saying my account was closed for being in serious delinquency and when I purchased my new car in XX/XX/XXXX, the dealer pulled up my credit score and I had no idea why it was low. It was n't until I checked and it was due to this affecting my credit rating as well. I have attached XX/XX/XXXX XX/XX/2014 's statements so that you can see how they were not applying my payments and did not notify me of this at all. I am still paying my credit card because I do not want this to continue affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with Forest Recovery Services LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2015 about XXXX est time, I called American Express too see when my reward card was going to shipped when speaking with a rep. I was informed my card was being sent too the wrong address, he stated he was going too have the shipping expedited and i should receive my cards within XXXX buisness days. I called XXXX times and spoke with XXXX different reps and was old XXXX buisness days. Today ( XXXX/XXXX/2015 ) I called in too see if the cards had be sent out and i was told by one rep that i would have too wait XXXX buisness days. I ask too speak too his manager because that wasnt what I was told. His rep which was a lady got on the line and told me XXXX buisness days I was upset because thats not what the prev rep told me and asked too speak with a different manager. A man named XXXX got on the line and was being extremenly rude and i figured out that he wasnt a actually manager. He got his manager XXXX who didnt help me at all. This is HORRIBLE I NEVER BEEN THROUGH A EXPERIENCE IN MY LIFE!!! I WOULD NEVER OPEN A ACCOUNT WITH AMERICAN EXPRESS IN MY LIFE!!! I SPENT ALMOST XXXX HOURS ON THE PHONE WITH NO RESOULTION AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Allied International Credit Corp., (US) (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am a co-signer on a loan with XXXX which is serviced by XXXX XXXX. I was contacted by Allied international credit as the primary borrower is 140 days past due with payments. I requested an accounting in writing from Allied International Credit and was informed that they do not provide statements of debt. I called XXXX XXXX to confirm the financial information regarding the amount past due that I was given by Allied International Credit. They told me the past due dollar amount. I requested a statement of the debt owing from XXXX XXXX and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that Allied International Credit and XXXX XXXX gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Scottrade : I am writing to request clarification on the recent data breach. I opened a custodial account with my son in 2012. This account remained open. Could you please clarify if my account was part of the data breach and if so, what unencrypted information was released.

Company response to consumer: Closed
Consumer complaint received 01/22/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I went into the branch to order checks for recently new account because my account had been compromised. Someone had taken XXXX illegally from my account. The banker actually opened addition savings account which I was not aware of, he never asked me at all. I received a another bank card in the mail. I already had a savings account Ways To Save, no monthly charge. Now I am being charged {$5.00} monthly fee which is eating up my balance for no reason. I contacted the customer service department and they apologized about it said they would close it but I 'm currently being charged. 
When I first opened my Wells Fargo account 12yrs ago, I received XXXX new accounts. The banker opened a second account in my name. I took the information to the bank they closed the account and gave me free checks. Wells Fargo scammed me during the time I had already been scammed. I want my money back from charges from accounts the illegally opened in my name.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors. <P/>Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement. <P/>So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score. <P/>I was able to get in touch with XXXX via telephone to update my file information. The agent told me the security freeze was initiated by XXXX but of course I do n't know how to verify that information. <P/>I sent letters to XXXX and Experian via USPS mail in efforts to get these security freezes lifted.

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 11/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was severely overcharged with this loan, and have been told I can get the PRIVATE COLLEGE loans forgiven, since I was attending when they were forced to close. Since they closed I no longer have access to the hiring office which was why I went there in the first place. 

I have yet to get a job in this industry and I am unemployed and XXXX years old with XXXX billing me XXXX $ in loans and fees. Some classes billed two and three times. 

please let me know how I can get help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation