milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2016 about Debt collection (Non-federal student loan) with Collection Technology Incorporated (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX and through their agent Collection Technology , Inc. are engaging in predatory collection practices, Unfair Business practices Dealing Ba Faith. 

By internal delaying send proof of settlement agreement in order to place a continued hardship and to protract wage garnishment thereby being unjustly enriched. 


XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
Was told that the case had been reassigned to a XXXX XXXX XXXX ext. XXXX Who then said that they are still waiting for the letter because their proceed is for the client make the agreed upon amount of XXXX dollar after XXXX research it was discovered that the latter was demanding {$120.00} so it was never send. 
I question that since the ordinal approval was for {$62.00} month rehabilitation l payment agreement was approved on XXXX/XXXX/2016. XXXX XXXX request to pay the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pay in an effort to remove the wage garnish which is placing an extreme hardship and causing an undo prolong of the garnish. 

XXXX XXXX stated that that just the way thing are and offer no farther resolutions, then said that she will call when the letter is ready. 

XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. XXXX/XXXX/16 received called from CTI- XXXX XXXX XXXX Ext. XXXX, to accept their rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
1 ) After five voluntary payments of {$62.00} plus the in place garnishment will be released, i.e. 1st payment Due XX/XX/2016 then XX/XX/2016 the Garnishment would be lifted. Note the student and pick any payment date for the following {$62.00} payments. 
2 ) Tax flags requested to lift after the first payment, will take several weeks to complete 3 ) 9 of 10 total on time payments are required to full complete the rehabilitation program. 
4 ) Ordered a copy the Rehabilitation Letter for review which emailed to me. 

-- -- -- XXXX XX/XX/XXXX faxed and emailed to CTI Completed : attn. : XXXX XXXX Financial Disclosure for REASONABLE and AFFORDABLE Rehabilitation 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
Consumer complaint received 12/20/2017 about Debt collection (Medical debt) with MST Financial Services, L.L.C. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was completely unaware that there was even any medical debt in collections as i 've never recieved anything from the XXXX XXXX XXXX saying that i owe anything to them, nor do i recall ever incruing any medical bills in the time frame that shows up on my credit report. There are three seperate instances of a debt claimed to be owed by them for XXXX, XXXX, and XXXX respectively. 

The claims were filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am unsure if this is when i was supposed to have actually incrued the debt or if this is when the debt was sent to collections and a claim was submitted, but no matter the case i was never contacted or given notice by them in any way that there was a debt and do not recall ever being in need of medical assistance not covered by my copay at any point prior to the dates these claims were made.

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 01-10-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX : contacted Best Buy Citibank for charge found from XXXX of {$100.00} interest payment that didnt make any sense. Called them and they said there is a deferred interest rate. I told them I never check my statements, have an auto pay + {$5.00} till the bill got paid. I didnt use the card anywhere else and couldnt understand why I had to keep paying towards such a small original amount of {$500.00}. XXXX the management accused me of not looking at my statement and said she wont void the deferred interest charge. I would of never signed up and was mislead as to a deferred program. I could of paid off the credit card on time if I was aware of this obsured policy. I know other people have been mislead through this company ripping people off. Cheap business idea.

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 11/22/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Cap one quicksilver. Got a new card and my XXXX transaction was declined, the company stating fraud. Was asked to email my drivers license which I did but was not comfortable doing. Can not use card.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Credit card) with P&B Capital Group, LLC (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A number would appear numerous times a day on numerous phone numbers ( home, cell, work ), but never a message. Today I called the number back to determine who and what. I asked the lady to please tell me who they are and why they insist on calling many times a day without leaving a message. Her name was XXXX and she became very irate. After receiving her verbal abuse for about 4 minutes, I asked for verification documentation. She indicated they already sent the information. I asked her to verify the address. She told me she knows I got it, they have verification of when things are delivered, and I ca n't lie my way out of this by saying I did n't receive the documentation. She blatantly refused to verify or update my address. I admittedly did not react well, called her a few unfavorable names, and hung up. 

I called back and spoke with a very nice gentleman who agreed to update my address ( they had an incorrect address on file ).

Company response to consumer: Untimely response
Consumer complaint received 08/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a new CITIGOLD account on XXXX XXXX, 2016 that offered a {$500.00} bonus for " an eligible deposit of {$50000.00} or more into a new checking or new savings plus account. '' The only other requirement was to maintain a balance of {$5000.00} or more " for the next 30 days. '' Today is XXXX XXXX and I have made numerous calls to customer service and the bank branch ; there issued a number for an investigation ( XXXX ) on XXXX XXXX, and still no call or contact. It certainly defeats the marketing concept!!! What can I do now?

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 06/29/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notification via a credit monitoring service that an account was placed into collections in my name on XXXX credit reporting system. The original creditor was listed as XXXX XXXX XXXX Hospital XXXX XXXX XXXX, and the collection agency was listed as Commonwealth Financial Systems , Inc . 

I called XXXX because the alleged debt would have been incurred six and a half years ago in XXXX 2009. I had already been advised by XXXX that my account was paid in full several years ago. When I spoke with XXXX they advised I did not owe anything and that they had not sent anything to a collections agency whether it be in the form of referral or by way of selling the debt. 

I called Commonwealth to discuss why they 're attempting to collect a debt which I had never received any communication, written or verbal, about the alleged debt. Commonwealth said they purchased the debt from XXXX XXXX, and that they " were not required '' to disclose to me the original creditor ( which is an inaccurate statement ). These phone calls were recorded, so this information can be validated. They also stated they had no information on the debt and refused to speak with the billing manager at XXXX, despite my authorizing her to speak as a third party concerning my account. 

I now have an account in collections on my credit report for which I was never invoiced, from nearly seven years ago. I am in the process of background and credit checks for a new job and I could lose this job opportunity as a result of this inaccurate information being reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian Credit tracker is using terms like account transferred, closed and paid as derogatory information, thus bringing down my credit score. Experian proper, which is a separate company from Experian credit tracker, tells me there is nothing wrong with my credit report. I have talked to many people in the last month, and they are always working on it, and I am paying XXXX a month while they " work on it ''. XXXX XXXX will be my second payment. Even if they solve it today, the way they have treated me is disgraceful. Now Experian Credit Tracker is doing an investigation of my credit, and they will find out the same thing. I think they will never solve it, and just want me to give 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 07/14/2015 about Debt collection (Credit card) with CITIBANK, N.A. (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016 I filed with Quicken Loans to refinance my mortgage. I paid {$500.00} for the adjuster to give me price on my house. I currently have a FHA Loan at 3.5 % I sent every paper they asked for. Called them every few weeks for update on closing. On XX/XX/XXXX they told me the loan could not be finalized at the rate I was promised because too much time had lapsed. It is not my fault time lapsed. I want my {$500.00} for the adjuster that I paid in full as requested by Quicken Loan and than they cancel?

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This complaint is a follow-up to Case number : XXXX. 
I just received a collection letter again from Chase bank XXXX XXXX, 2015. Apparently, nothing has been resolved. Again, I state the entity responsible for the {$1200.00} in question is the merchant whereby, the merchant lied on their rebuttal to XXXX committing bank fraud, allowing them to retain {$1200.00}. They do not deserve. I request that the CFPB reopen this case and take stronger action at this point Chase bank is ignoring you, and me. ( See attached. Supporting documentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: No5 my accounts on recent credit report. Was hacked a year or more ago and they were in my bank account and any online account, Ihad at the time

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Summary : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to  gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
How it relates to me : I used the site www.equifaxsecurity2017.com to check if I had potential impact. I did not sign up for their credit monitoring service following the check. I got the notification that " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' which means my information was indeed stolen. This is a violation of my credit report data because Equifax stored my data improperly, resulting in the ability for the hackers to steal it. As far as I can tell, my ( and others ) data was stored in plain text and not encrypted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with KEYCORP (WA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Key Bank account with a {$50.00} initial deposit processed on  XXXX   XXXX  per the statement, with a bonus offer that if I made {$500.00} in payroll direct deposits within 60 days I would receive {$300.00} in bonus.     Since  XXXX   XXXX  when my opening deposit was processed and account was available for use, within the first 60 days of  XXXX   XXXX , I have made payroll direct deposits well over {$500.00} dollars as follows  XXXX   XXXX  - {$410.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$500.00} I have not received the bonus even after waiting out a few statement cycles as per the advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (IL).
Issue: Excessive fees

Complaint: Signed up for Lexington Law and was told that I can cancel at anytime called 2 days after signing up to cancel because the rep was trying to charge me XXXX dollars to start and I started that was a tad bit steep considering the amount of items I had. I was told they was going to lower the bill due to keeping me from leaving. The rep told me he would tackle the items that I requested him to. As of Tuesday XXXX XXXX, 2016 they sent off disputes for items that I did n't need them to. I called on XXXX/XXXX/16 to cancel before I was due to get charged on XXXX/XXXX/16 to cancel because I was unhappy with their services and I was told because they sent off 5 disputes in which 2 of them I requested that they do n't do it before they did it anyway. I had to pay for their services. I told them that they services was n't rendered as stated and I wo n't be paying them anything. I was told they will take the funds off my card anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview Loan Servicing charge extra interest including unsubstantiated fees to payoff loan when loan was re-financed to XXXX XXXX. 

The principal outstanding was : {$300000.00}, however interest of {$2300.00} was added on although this interest only loan 's monthly payment was already made and some additional charge ( fee ) of {$660.00} was added in. I received a check from Bayview for only {$350.00} leaving {$2700.00} to still be refunded. I contacted Bayview several times starting on XXXX/XXXX/2016 but have received no response. 

From the attached payoff letter sent from Bayview to XXXX, you can see they have added in interest again on the loan ( {$2300.00} which the calculation does n't even add up ) of which this interest was already paid ( The refinance closed on XXXX/XXXX/2016 ) You can also see that there is a {$660.00} amount added on which violates the mortgage agreement as there is no condition that occurred that should have imposed such a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My XXXX balance on my Citibank XXXX XXXX was due on XX/XX/17. Unfortunately I did n't process a payment until XX/XX/17, at which time I paid off the prior balance in full. 

As I expected, I had to pay a {$39.00} late fee as well as interest on the XXXX balance. However, unbeknownst to me, Citibank decided to create a " revolving balance '' for the month of XXXX, and charged me interest on the following statement as well. Even though I paid off the entire XXXX balance on time, I was assessed another interest charge on my XXXX statement as a result of this " revolving balance. '' When I contacted Citibank, they told me that this is standard practice in the industry. After some back and forth, they finally agreed to credit me back the interest that they charged me for the XXXX balance ( that I had already paid in full ) as their way of being courteous. 

If this practice is indeed now an industry standard, it is extremely predatory and should be regulated.

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 06-05-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Bank of America is suing myself and my husband. We have XXXX accounts with them and we have been with them for about XXXX years. They refused to lower our APR and we were paying XXXX on each account each month. We have not received a bill in over XXXX years and we even called them about not getting our bills but nothing happened. They called us about XXXX days ago and told my husband that they had the wrong address on us and that they would get back to us. We received a court summons in the mail from XXXX and we live in XXXX, from a third party that bought the accounts. Now what do we expect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Owing a final balance of {$600.00} as per my recorded telephone conversation in which the final balance was disclosed I advised XXXX XXXX XXXX loan company that I would be requesting a payment reduction or payment arrangement because due to the loss of my home I would be experiencing financial hardship for a short time and on discussing this, the company proceeded to initiate an illegal repossession of the vehicle and on top of it are claim XXXX more than what was owed as I only had ( XXXX ) payments to make before the vehicle was paid off in full. 

I inspected a copy of my credit reports and find that XXXX XXXX are reporting inaccurate balance owed as I only had ( XXXX XXXX payments to complete the purchase which does not add up to the balance they are reporting. 

I request full debt validation from this company included conversation logs as per literate the companies telephone procedure for incoming and outgoing calls. I find XXXX XXXX XXXX business practice to be dishonorable at the end of their contracts and they have integrity for this reason along with counsel i will do my own investigations into the balance owed as a result to their illegal repossession of my vehicle.

Company response to consumer: Closed with explanation