milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Checking or savings account (CD (Certificate of Deposit)) with DISCOVER BANK (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On or about XX/XX/XXXX, I opened a certificate of deposit with Discover Bank under the XXXX XXXX XXXX promotion. I was supposed to receive a {$50.00} credit for depositing {$2500.00}. The credit was never applied. I have contacted Discover Bank over the last 6 months several times and was promised that the matter would be investigated. I received no response. On or about XX/XX/XXXX, I contacted Discover Bank again and received a response from XXXX, stating that I did not meet the funding requirement of the promotion and that I needed to fund {$2500.00} in one transaction. I deposited two {$1200.00} deposits, two weeks apart. I advised XXXX that the terms and conditions of the account and the promotional flyer did not specify that the {$2500.00} must be funded in one transaction. I request CFPB assistance as I have not been able to resolve this matter directly with Discover Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of identity theft. Some one have obtained services using my name ... I am working to identity the effects of the identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.If you don remove this info, you leave no option than to sue the company because this frustrating.

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 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with First Data Corporation (OK).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX, a representative from First Data, XXXX XXXX identified himself as the XXXX XXXX XXXX XXXX XXXX XXXX. He had looked at my account and said I was being overcharged by XXXX XXXX XXXX. I would be issued {$640.00} for these overcharges that I did not receive. Furthermore I would be changed to First Data, changing the discount from 3.48 % on XXXX XXXX XXXX to .05 % with First Data. When I told him I was on a contract with them XXXX, he said he would take care of any fees and charges associated with breaking my lease. 
After I was changed to First Data, I was debited monthly for {$68.00} from XXXX XXXX ( their lease # XXXX ). from my bank account. I was told by them I could not break the lease and was liable to pay for four more years or buy it out for over two thousand dollars. 
I called First Data to speak with XXXX XXXX and absolutely no one had even heard of this man. I was on the phone over an hour from one extension to another. 
Now I am paying for 2 accounts {$68.00} for XXXX XXXX and {$76.00} for First Data lease # XXXX. 
On XXXX, XXXX XXXX from First Data called and said I needed better equipment to reduce my fees and service discounts, I told him I was already paying for two processors and was only using one and wanted nothing to do with anything from First Data. He said he was sorry this happened but he would send a processor and pin pad programmed and ready to plug in. It would require to write a new lease ( # XXXX ) and replace the old ( # XXXX ) .I would need to increase my lease for 4 more years with a cost of {$93.00} monthly. 
The new XXXX XXXX arrived without a pin pad. and it was the same as the one it was to replace. I called to request the pin pad and XXXX XXXX said it would be here in three days. Well it was n't. 
Now I am paying for three leases a total of {$170.00} to First Data. 
My lease has been four years with XXXX XXXX and should not be billed anymore. I returned their machine. They are calling the store and my home harassing me for payment since I stopped payment on their debit After I have written First Data again, I have received a letter with apologies but he said he could not do anything. That was another part of the company. 
I have five of these letter scanned and attached to this complaint form. 
Will I ever be able to get out of this mess? 
I am a small XXXX XXXX and am suffering from this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage as you are aware from my previous complaint that was never settled illegally entered my property, threw out my renters stole my personal property including tv 's, furnishings, dishes and proceeded to allow the the pipes to freeze causing in excess of {$100000.00} in damages and loss of value. I sued them and they apparently threatened or payed off the judge that handled the case as before the jury trial the judge decided that it was okay for them to do that. Nationstar parent company runs the XXXX XXXX XXXX and has mass control and influence in the community. They used this influence to commit massive crimes against me to the point of having XXXX XXXX of the XXXX XXXX XXXX 's office threaten to arrest me should I go to my own property. The property was not in forclosure at the time and I had called Nationstar to get a payoff as I had the property sold for substantially more than what was owed to them. The property is now damaged and worth less than half of what is owed. They have proceeded to tack on fees and expenses after finally applying to have a sale and refused to release the cure or payoff amounts to XXXX XXXX. Thus costing me an additional XXXX XXXX or more dollars just to cure the loan. Some of these fees were deemed illegal as the original firm handling the foreclosure was charged with crimes and forced out of business by the state attorney generals office. I am still being charged these fees. I am attaching the cure statement showing these charges. This property was in perfect condition and had renters in it when they took possession of the property. It did not require anything. They have broken every law imaginable against me and my property and I expect JUSTICE! I would have had the property sold and money in my pocket with the loan paid in full, but they do n't get paid for that they get paid to service the loan and the more fraudulant they are the more they get paid. This crime was committed against me and XXXX XXXX as they are the real holders of the note even though Nationstar keeps claiming in all the court paperwork that they own the note. They are criminals and belong in jail for theft, conspiracy, fraud and other crimes. I appreciate any help you can give me. I am happy to publish my number and name so anyone can contact me regarding my proof. XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 11-03-2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS has not been in contact with me consistently since I needed to start repaying back my loan. When I contacted them, they had the wrong address and updated me on payments. When I called to make my first payment, I was told I qualify for a cancellation, all I had to do was fill out a form and get a paper from my principal that said I was a XXXX at the school I teach at. I mailed in the documents and I was denied. I was then told I needed documentation that was on an official letterhead head, an official seal, & the date signed. I got that paperwork and heard nothing back until I received more documentation two weeks later saying my loan was going into collections. I called and immediately threw a fuss because I had done everything they asked. They told me in order to get it worked out, my principal needed to specifically state " XXXX, '' I protested by saying that no place in America has " XXXX '' teachers and me having to do that was unnecessary. I went back to my principal a third time and requested that pointless piece of documentation and sent it off. I thought I was in the clear until today I check my mail and see that again I am denied because the date on the documentation was incorrect. I am being harassed and threatened. I am being made to feel like I have something to hide and that who I am is not adequate. I have spent the last five years earning XXXX degrees and the amount of titles I hold XXXX would show I am clearly XXXX and an important one. I have been belittled and chastised by ACS and disregarded for. Their communication is lacking, and their flexibility is none-existent. If anything, it seems as though they want me to not go through with this process although I was advised to. Not to mention, all of the information they require is verified by the state. All of my credentials and positions are public record yet they refuse to take that initiative. I am using this time to file a complaint and contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have recently checked my credit report on XXXX XXXX, and saw that on the Experian report and address I have never lived at showed up. That address is in Pennsylvania, I have never even visited Pennsylvania. I that can be cleared that would great.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Blackhawk Finance (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reviewed my credit reports and I see that a company by the name of " Blackhawk Finance '' has placed a charge off on my reports. I have no recollection of said account with the company. The company is out of business according to the Better Business Bureau nor is it accredited.

Company response to consumer: Untimely response
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

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 03/21/2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls my house with an automated recording saying they are trying to contact me but then they hangup. They call at least 6-7 times every day for the past 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I was fraudulently enrolled in debt protection on my  Citibank Best  Buy Credit  XXXX . I cancelled the enrolled service over the phone on  XXXX , but my request for refund was denied. I understand Citi was forced to pay back $  XXXX  in fees as well as assessed $  XXXX  in fines for these exact activities. The  XXXX   XXXX   XXXX  customer service line gave me an address to send my refund appeal :  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas  XXXX . I 'm sick of the run around and want Best Buy and Citi to make this right.

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 10/21/2015 about Debt collection (I do not know) with Element Global Services (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Continuous rude, threatening, and harassing messages or long blank messages left. When I attempt to contact the company provided no agents available after XXXX hours.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Billing disputes

Complaint: I have had an on going problem with Wells Fargo Bank Credit Card Division regarding Payments. My payments are due on the XXXX of each month. Most months I pay my payments weeks early, due to budget issues. My XXXX payment was made on the XXXX of XXXX. At the XXXX of XXXX I received some inheritance money and made some extra payments to the account. on XXXX I paid {$2000.00}. On XXXX my credit card bill posted online and I paid the {$290.00} plus an additional {$250.00} for a total of XXXX. They posted the XXXX payment to XXXX rather than XXXX and charged me a late fee. they removed the late fee but have refused to adjust the account. I went into the bank and had a banker talk to the credit card office twice and have a third appoint for XXXX. My last appointment only brought frustration for me and the banker. The bankers agree that I am right and that my account should be adjusted. The credit card division has been nothing but rude and condescending.They keep saying that they no long correct their accounting errors. I had this same problem in XXXX and XXXX. I turned it over to the Consumer Protection people for resolution and they had the credit card division audit my account. they ended up refunding me over {$300.00} in late fees. Since I have made this same complaint twice they will not help 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 monetary relief
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with GUARANTEED RATE INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I 'm a single woman previously married. Spent three months attempting to locate a suitable home before the market pulled further away from me in higher asking price.. Finding a lender who understands FHA guidelines turns out to be an unachievable challenge. Now getting through underwriting is a life of pure XXXX. This is caused directly by the mortgage broker loan officers lack of experience, receiving documentation, saying they will review it then no follow up. I have had documentation sent to them via email three and four times before they have acknowledged receipt. The common sense approach that no file should be submitted to underwriting with a question that has n't been answered was not used. The loan officer and underwriter has asked for documentation that violates my ex-husbands right to privacy and has nothing to do with my loan approval. Because of this unprofessional process by both the mortgage broker and underwriter our interest rate commitment has now expired and the seller is faced with major problems because of legal circumstances. The processor would make contact and request information that as already communicated to the loan officer or was already provided, I guess they did n't feel the left hand should know what the right hand is doing or should be aware of.. I find it hard to believe that with XXXX of the largest investments a person makes is in their home and the inept person we have to depend on has no continuing educational requirements, and no state examination that is required. Please correct me if I 'm incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.

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 02/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Constantly calls my employer on a critical cell phone line used only for XXXX, even after they were told my employer does not accept calls like this. They still keep calling and will not stop when told not to call my employer. 

The cell number they call is for critical situations only for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: For account number #  XXXX  I respectfully request Resurgent capital Services, LP to provide me with competent evidence that I have any legal obligation to pay you.     I am requesting the following verification : I need proof of both the original debt agreement with my signature indicating that I agreed to pay Resurgent Capital Services, LP and any payment history and any payment methods you have on file indicating that I made payments to Resurgent Capital Services, LP. ( Checks, debts, or money orders payments  ) , Furthermore I am requesting that you provide me with any telephonic recording between  Resurgent Capital,  LP specifying that you established a verbal agreement with me to collect on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: The company seems to be resisting closing my credit card. I have a Bank of America World Points Mastercard - I have made XXXX attempts by phone to close this card. The employees at the number on the card ( XXXX ). Each time the employee verifies who I am with various security questions then I am routed " to a supervisor '' which takes me out of the system e.g. to XXXX, to a busy signal, to perpetual hold so that the transaction can not be completed. I want his card closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX school loan from XXXX was sold to UAS and they will not let me know why my loan principle has not been cut by up to 40 %. Please see Case number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: I have been trying for almost 4 weeks to get a Reverse Mortgage thru Security One and the process is being held up because there is a lien release that was never processed by Chase. Security One has asked Chase on XXXX separate occasions. Twice they have claimed to have never gotten the request and the third time they said they can not locate the loan or it 's existence and need another 15 days for research. They have been asked all three time to rush this request.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: Signed up for an offer from Citi for XXXX thank you points when opening a Citigold account, having a thank you card, and completing two bill payments for 2 consecutive months. The points should have been awarded to my credit card account within 90 days of when I had completed the two bill payments, I have not been awarded any points, and I 'm having to make account fee payments to keep the account open unnecessarily.

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 10/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I went to my local Well Fargo bank to apply for a bank account the lady told me that I ca n't get an with Well Fargo no more she said I abuse my bank account. I deposit bad check I told her I do n't have any idea about this so I need you guy to do an investigation I want to my local police department to file a police report.

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 09-10-2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: In XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. In XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle and in XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had a car accident and I was in XXXX and my daughter also had a baby.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (ME).
Issue: Taking out the loan or lease

Complaint: Lending Club continues to send me " pre-approved '' loan offers after having twice to lend me funds. I have written to the company and they sent me a response that does n't really answer my complaint.

Company response to consumer: Closed with explanation