milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account with a promotion which stated if I opened an account, made 2 bill pays in 2 months I would received XXXX Thank You points. I did the requirements and confirmed with Citi that the bonus had been applied and I would be getting the points within 90 days. I waited 120 days, and after getting no bonus I messaged to ask when the points would be given. Again, I was promised the points would be posted to my account, but after an investigation was opened I received a letter that no bonus had been applied to my account. I feel that I was told by Citi and confirmed the bonus would apply only to have them deny it when time came due to pay.

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 01-09-2018 about Mortgage (FHA mortgage) with Statebridge Company (PA).
Issue: Trouble during payment process

Complaint: Starting XXXX/XXXX/XXXX State-Bridge became my loan servicer for my mortgage account that was previous held with XXXX XXXX XXXX. Since State-Bridge took over I have nothing but problems. 
First, starting with the billing. From the date they became the servicer in XXXX all the way through XXXX of XXXX the billing statement were not correct. It was n't till XXXX of XXXX when the bills became to look normal. At this time, I was informed there was an over payment to the Escrow account and a refund would be issued, payment would decrease. Beginning of XXXX I notice on the billing statements being sent that our LTV ( loan to value ) ratio was showing at 114 %. Still to this day I have yet to get any answer or response to why this is. When I attempted to call State-bridge regarding this they continuously tell me that is what XXXX reported to them. I have a letter from XXXX stating this is not correct. In addition I recently got a notice that my Escrow Analysis have a deficit for the year of XXXX in the amount of XXXX. On XXXX/XXXX/XXXX I spoke to XXXX on a conference call with myself and husband around XXXX est time. We spoke to rep name XXXX, he stated that the shortage was created due Statebridge not having proof that I had homeowner insurance, only later to find out when speaking to XXXX ( sup ) and a conference with their vender that deal with insurance was told no this is not the reasoning for the short fall. 
Going over the statements printed in XXXX my husband and I realized the billing for each statements varies, for example one month there was not any PMI insurance charge and the very next month its double. Also the statement printed XXXX XXXX the change in the mortgage payment was XXXX after an analysis was done it dropped to XXXX ( unsure why the analysis was done mid year ) and a surplus check of XXXX was disbursed back to us. This is the main issue is the billing, and not being able to speak to anyone in the escrow department. You can only reach State-bridge escrow department via email, and no one answer you directly..

I am unsure why the change in the escrow.. I do n't understand how to you get over payments back one year, nothing change in taxes/insurance but yet its a short fall and no one can answer the question. 
State-bridge sup XXXX XXXX refused to send my any writing documentation of the change to my account. He did not know to navigate on their website. No one I have ever talked to at state-bridge gave me the correct information and their supervisor will admit they need more training.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am a former customer of Bank of America. During my time as a customer of Bank of America I was robbed, my identity documents were stolen and I became a victim of identity theft. I filed a police report and have attached this report to this complaint. 

I had two checking accounts and one savings account with Bank of America. After my documents were stolen I went into a Bank of America branch and told a teller that I needed to cancel my old debit card and to order a new one. I told the teller I did not have the debit card anymore. The teller then closed the debit card attached to the wrong checking account and ordered a new one. I told the teller to close the debit card for the checking account ending is XXXX but the teller did not listen and closed the wrong card and ordered a new one. I did not notice this until a few days later when I audited my account and saw charges I did not authorize. 

The fraudulent charges were to two merchants ; XXXX XXXX and XXXX. 

I filed a claim with Bank of America regarding these charges. Bank of America 's risk department then froze my accounts and began the closure process. I was told Bank of America had made a business decision not to bank with me anymore. Today I received a letter from Bank of America 's claims department telling me they investigated the claims and found no error and were holding me responsible. 

I called the two merchants myself to inquire about these fraudulent charges. I called and spoke to the office manager of XXXX XXXX. His name is XXXX and can be reached at ( XXXX ) XXXX. XXXX XXXX confirmed that they charged my debit card over the phone for a third party patient that had my card number. XXXX XXXX confirmed I did not receive any goods or services for this charge. XXXX would not tell me the name of the patient citing HIPPA laws.

I called XXXX  and spoke to someone in the Fraud Resolutions department. I was told again that a third party used my debit card to book a vacation through XXXX. XXXX confirmed that the account that used my card was NOT in my name and that I did NOT receive any goods or services for this charge. 

Basically Bank of America decided to hand my accounts over to their Risk department and after that all my claims were just blanket denied. I have both merchants on record confirming that I did not make these charges and a third party did. Bank of America clearly did not actually do an investigation. Had they called either merchant they would have been told that I did not purchase these goods or services and that both merchants were charging my card due to a third party not authorized by me. 

Should Bank of America attempt to hold me liable for these charges I will have no choice but to seek legal remedy.

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 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a special offer promotional rate (  XXXX  promotional purchase  APR ) f or  XXXX  billing cycles. Since this was a second time I got this, I called  American Express to see why I got a second. The first offer   came in the mail several weeks ago and I called the company to accept the offer. After the customer service person read me disclosure info, I accepted and was told the offer would become effective in a couple of days.Since that time I made charges on the account believing I had that  XXXX  APR.     The call I made today to inquire, again I was asked personal information and was told they could not locate my first offer, but I could reapply. I told him it was ok I would. Again a disclosure was read and I said I 'd accept it. At that point he told me the offer would not apply to charges I had made before today and it would take effect in a couple of days, and again told it would not apply to the over {$900.00} in charges I made. I only made those charges because I thought I had the lower rate. I would have placed it on other cards I held to get rewards.     I could not get any satisfaction from this person, so I requested to speak with a supervisor. I was told there was none available to talk to me. He put me on a 5 minute hold and came back to tell me he spoke with a supervisor who said I could not use the offer on the amount I had charged. I insisted on speaking to a supervisor and after another hold, a  XXXX , employee #  XXXX  told me he was the supervisor. I again explained the situation and also that I was an over 25 year  American Express  card holder.     After speaking with him, he again said the offer I was given before could not be located and the present offer could not be used towards my new charges, ( which by the way will not show up until my next month billing ).   I received no satisfaction from either person I spoke with. I also told  XXXX  I 'm concerned too because the person I spoke to several week ago also was given my person info and what happened to it .... He had no answer.   I would appreciate ant help I can get here and am following through with this complaint. Also is there a federal agency I can contact?     Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Account opening, closing, or management

Complaint: Hi I applied for a capital one credit card on XX/XX/XXXX and notice they ran Equifax and Transunion credit report. I also notice there is XXXX joint account for Capital one dated back On XX/XX/XXXX for both accounts, XXXX acct with XXXX debt and XXXX XXXX. I never had an account with capital one and never sign under a joint acct with anyone. Capital one is a crook and out to damage consumer credit. They listed Cap One Bank on XXXX inquire and Capital one Bank USA on XXXX on XX/XX/XXXX each why did they run more than XXXX credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My load was from XXXX XXXX to go to school at XXXX XXXX XXXX XXXX XXXX in XXXX Arizona. XXXX XXXX later switched to Navient, my school switched to XXXX or something like that after I graduated and I was not aware. Whenever I was contacted about my student loan I was advised when I could not make the payment to sign up for forbearance. I signed up or that and periodically would get emails asking me to resubmit my forbearance info which was actually just keeping me in a constant forbearance which i thought meant I was not being charged interest on. After a while I forgot all about this matter but was continuously signed up for forbearance until I found an email in XXXX stating my forbearance had ended. At the time they instructed me I would have to make payments of {$150.00} a month and I could not afford this. My XXXX XXXX was just XXXX and we had been preparing to move crossed the country. I attempted to get involved in a student debt relief payment program but was scammed and lost {$100.00}. When I XXXX how to take care of all this I see that XXXX XXXX is being sewed by the government and do not know what to do. I am attempting to get into school in Utah for XXXX XXXX but have to take care of this XXXX XXXX issue. Here is just one of the records of my 3 loans I have with them showing the forbearance. 

DU DEFAULTED, UNRESOLVED XX/XX/XXXX DF  DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX IG IN GRACE PERIOD XX/XX/XXXX IA LOAN ORIGINATED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I was charged a late fee for a payment that was n't late. I have my mortgage payment on an automatic bill payment ( for the last several years ) and the records show this particular payment was sent on time ( XXXX/XXXX/15 ) and delivered four days prior to being late ( XXXX/XXXX/15 ). The first time I called the company they said they would not charge me the late payment. When I was charged, I called back and was eventually told by the CSR " I do n't have time for this '' and hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Updated case number XXXX. I have been writting letters to Trans unin credit reporting agency to remove inaccurate information from my credit file from company named XXXX with account number of XXXX. My request for removal has not been honored as a result negative information continues in my credit file. My request for deletion is based off of my rights under the Fair Credit Act, due to creditor not complying with written notification to validate claimed debt. I have requested that Transunion validate alleged debt by notice of original signed contract as stated I entered into binding me to obligation of debt. In addition I have requested for legal proof that alleged debt statue of limitation has not expired. As of today I have not received an justifiable reason from Trans union with reasoning of why negative information from XXXX remains in my credit file. I have requested from Trans union to provide me with method of verification and validation of debt in which to include creditor contact person and phone number who verified debt with credit reporting agency and as of now I have not gotten any response from Trans union.At this time I am asking for CFPB to investigate with Transunion of justifiable reason to continue to report negative information regarding XXXX into my credit file. I also would like Trans union to supply me with written notification of verification and validation of my original dispute to investigate statue of limitation on debt and copy of original contract.

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 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, when my loan was with XXXX XXXX, my husband became ill after suffering from XXXX XXXX so I called XXXX XXXX to inquire about lowering my interest rate. I have a pick a payment loan and the interest kept increasing. They never helped me and I also had a XXXX with XXXX XXXX and I was current on that loan. My husband was a war veteran of XXXX and they never offered to fix the loan or give us a break from the pick a payment loan. On or about XXXX XXXX, XXXX, XXXX XXXX returned my equity line check and then immediately thereafter filed an NOD. I was always current with them and why they just sent back my check is perplexing. Then they set a sale date and I struggled to hire various lawyers to help me but nothing really worked. Then files got transferred to Wells Fargo. They would not accept my husband income at the time when he was alive nor did they accept my daughter 's income who lives with me and contributes XXXX as well as renters. I feel that Wells Fargo is just setting me up to fail and they want to keep my over {$600000.00} in equity. They are violating my homeowner Bill of Rights, they are refusing to take into account all of my income and they are discriminating against me for my age as I am XXXX and it seems like they just want to kick me out. I have lived in this house many years and they are treating me like an animal. These big companies should not be allowed to abuse XXXX citizens. I am able to pay a mortgage but I need the loan fixed to a fixed interest rate. I pray that you help my daughter and I. thank you god bless.

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 08/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: There Is a motion on XX/XX/XXXX to reset foreclosure sale date on this 100 % foreclosure fraud case against defendant. XXXX XXXX XXXX has sold/transfer/assign this mortgage to : PennyMac. I have been told at courthouse to my face by attorneys that '' Too Big Too Fail '' XXXX XXXX XXXX does not EVER lose a foreclosure case XXXX County Courthouse despite strong evidence against them. 

1. There is case # XXXX XXXX vs XXXX before Florida 's Supreme Court addressing Florida 's 5 year statute of limitation schedule to hear open oral arguments on XX/XX/XXXX. Statute expired on this case XX/XX/XXXX but case continues to be re opened by Plaintiff attorney by paying {$50.00} to court. 

2. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Loss/Destroyed Original Note/Mortgage, Plaintiff and domestic financial terroristXXXX XXXX XXXX lacks legal standing ( do not own mortgage ) funded and sold off originally by now defunct XXXX XXXX Bank, robo signing, robo testifying at non jury trial. ENTIRE COURT FILE DISAPPEARED at non jury trial & continues minus few loose pleadings but granted summary judgement by court. XXXX due process. For heavens sake how is this possible in our sacred American Judicial System where justice and facts are suppose to prevail? 

3. Force placed homeowner insurance obtained by XXXX at illegal price gouging rates XXXX, XXXX times normal amount they know this is 100 % accurate. 

4. XXXX XXXX XXXX uses XXXX County Courthouse to lie, cheat, steal, laugh, disrespect, violate, abuse, XXXX, intimidate every Florida judicial foreclosure civil law in existence on contested and un contested cases. 

5. I want any Department of Justice settlements with this XXXX XXXX XXXX under the Holder administration applied ( Full principal forgiveness ) immediately to this case. XXXX or XXXX cents ( XXXX, XXXX ) on dollar deals to settle are a JOKE & non deterrent in anyway for these lucrative bank home theft deals, just cost of doing business. Once these deals signed by bank executive/s it was business as usual on the way out the door with no admission of wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (TN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Collection agency with the phone number XXXX continually threatens to have driver 's license suspended which they have no authority to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company has foreclosed on my home after it was put under the civil service protection act in XXXX. The initial paperwork said that no Legal proceedings would take place until XXXX XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.

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 01/17/2018 about Debt collection (Medical debt) with Radius Global Solutions LLC (IL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XX/XX/XXXX I paid a one time fee of {$50.00} towards a debt that was owed to XXXXXXXX XXXX XXXX XXXX. The lady I talked to in XXXX, tried to tell me how much I needed to pay to stop the debt going on my credit report. I noticed on XX/XX/XXXX I noticed a charge on my bank statement that I did not authorize for {$50.00}. I called my bank, they could n't tell me the company who took the charge, my bank looked up on XXXX, and came across the debit as fraudulent and disputed the charge. I then remembered who the charge could have been from, called the collection agency, and explained that I have not been in contact with them to authorize another charge. There 's absolutely no reason why my credit card was saved on file. I did not authorize, give consent or permission for anybody to charge my account. That is illegal and considered theft!

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 01-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing initially refused to speak with my client regarding the status of his mortgage following the death of his partner. He filed a complaint with the CFPB. XXXX CFPB Complaint No. XXXX ). Green Tree agreed to add him as an authorized third party on the account, presumably in order to avoid regulatory attention. Green Tree was briefly willing to discuss the account. Now Green Tree has rebranded itself as Ditech and is again refusing to speak with him. I am concerned that my client may lose his home because Green Tree/Ditech does not have a uniform policy in place to establish communications with surviving partners -- particularly where a house is held jointly with a right of survivorship and the property passes outside of a formal probate process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief