milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Other fee

Complaint: On a purchase made from a company in XXXX, Citi visa charged a " Foreign Transaction Fee '' of XXXX % and an additional increase of XXXX % in interest rate. I was not notified of these charges and learned only when they showed up on my bill. Neither was the increase in interest rate disclosed.

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 06/30/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle in 2010 for {$12000.00} and financed the loan through Santander Consumer USA https : //www.santanderconsumerusa.com/ after 5 years of making payments of {$310.00} a month they tell I still owe them {$9100.00}. I want to pay off my loan but it seems never ending.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: There was a bonus when I signed up - XXXX bonus when you make $ XXXX in purchases in the first 6 months. I met that spending requirement but I never received my XXXX Virgin Atlantic miles. I've contacted Bank of America already but they continue to deny 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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never made a payment to  XXXX   XXXX   XXXX . They are a 3rd party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

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 09/19/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: I bank with Citizens Bank. I looked at my account and it showed that i had an available balance of {$9.00} and with citizens bank, anything you spend under {$5.00}, they do n't charge you a overdraft fee. So I spent {$7.00}, which brought my account balance to $ XXXX.Then I spent {$4.00}, which brought it to ( $ -XXXX ). Now this is how it exactly shows on my bank record and I can provide that if necessary. But they are saying that something else went through before the {$7.00} charge, so therefor I 'm getting charged a {$35.00} late fee?? NOW after there late fee just went through they know I have a {$10.00} charge coming through, so now I 'm going to get charged another {$35.00} late fee because of their {$35.00} over draft fee. Just to back up for a moment, I had deposited {$20.00} in my account because i had XXXX charges go through under {$5.00} and I knew I had that {$10.00} charge going through. So to me it 's a disgusting scam. I want to close my account out with this horrible bank but I have thing s going through, so I kind of stuck. 
the bank account I sent you does not show their {$35.00} fee, it shows they took it off but it does n't show the actual {$35.00} fee, so you will see my account is negative {$22.00} and some change but it wo n't show their {$35.00} fee in the ledger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with STERLING JEWELERS, INC. (GA).
Issue: Other

Complaint: After reviewing my credit report, I 've notice that I hand a credit inquiry from sterling jeweler. In XX/XX/2016, I sent a letter to Sterling Jeweler requesting that they investigate the inquiry and advised them that it was I that had made the attempt to get a account with their company. I received a letter back from XXXX from customer care department in reference to my letter ( RE : XXXX ) stating that on XX/XX/2016 it was attempt to receive credit online and that by signing the credit application I authorized the inquiry. Again after disputing this item, continually asking for more proof that it was in fact I that made that request, I received nothing. No proof, just a representative telling me I did. I 'm very shocked how in this day of time, how can a company not show proof that someone is utlizing someone else 's identify to obtain a account especially being that this is over a computer where anyone can claim they are that person. Identify theft thru a computer system is very known and used by hackers or anyone trying to obtain something in someone 's name. Also I would like proof of my signature on the application because I guarantee it is n't not mine or something I authorized.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a victim of identity theft. On  XXXX   XXXX ,  XXXX  I learned my former CFO was using my " signature stamp '' to open accounts for her benefit. The past employee also used my current credit cards to buy vendor supplies when she opened her own roofing company.     She was immediately terminated. We called the police department.  XXXX  police reports were made. Report  Number   XXXX  and Report  Number   XXXX .     Our former CFO plead guilty to theft/embezzlement in  XXXX . She was sentenced in  XXXX  days in prison on  XXXX / XXXX / XXXX .     It 's been a battle to remove " theft accounts '' from my credit report. All has been removed except EQUIFA X INFORMATION SERVICES . Equifax refuses to remove  XXXX  accounts.  XXXX   XXXX    XXXX   XXXX   for {$16000.00} and additional  XXXX   XXXX    XXXX   XXXX   for {$12000.00}.     I have contacted Equifax 4 times to remove and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NY).
Issue: Account opening, closing, or management

Complaint: In conclusion, one online bank rep cost me a lot of money but this company cost me a great deal of time. 

One Friday in early XXXX, Ally Bank froze my debit card because of some {$3.00} charge I 've yet to see any proof of. When calling to unlock my card, I had to answer my series of five security questions multiple times before being informed my card would have to be replaced. I did n't have time to verify all my account information to get my card that night, and since the replacement was 7-10 business days away, I was in no rush for cash from them. 
I called back early the next week to try again. I got my replacement card mailed and I waited until last week to activate it. I followed the steps and the automated systems said it was active. I went to get cash and found it was n't working. When I called, a little irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they could n't get this resolved in this call I was going to another bank. 
They connected me to someone else, a 3rd person that morning, when this person asked me my security questions again. At that point in time the only point of view I had was " I verified my security questions with them 2 times, on this call alone, this is the 6th call I 've made to try and get money, this has to have been the 20th time I 've answered their questions and they 've done absolutely nothing, not one thing to make progress. '' I told them I was switching banks. 

I signed up for another bank but it was too late. The rep locked my account so all my debits failed, including checks on joint accounts. They put a lock and told agents not to handle that I had to call a number and speak to someone specific. 

This number did n't work but they were instructed I had to call from a number on my account and NOT TO TRANSFER. 

Essentially pushing me into a dead-end oath that cost me hundreds of dollars but more importantly, hours of my time. 

I really wish there was some way to hold them accountable so companies with online-only presences are n't exploited like this.

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 02/23/2018 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent this company a letter dated XX/XX/XXXX. Pursuant to the FCRA and FDCPA, I requested this company to provide me Validation Documents and listed everything that is required for this alleged debt/item to be validated ( See attached files - a copy of the letter I sent them ) It is now XX/XX/XXXX and I DID NOT RECEIVE the documents I requested. Attached to this complaint is a copy of the letter sent to me by DCI requesting me to provide information about this unknown debt. If I am not mistaken, by law, they are the who are supposed to be providing me with proof that this item is VALID. This company definitely violated FDCPA. To make things worse, this item was already removed from my XXXX report and still is reporting on my XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with Receivables Management Corporation (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: " XXXX '' called regarding a " personal matter '' and asked for the last XXXX digits of my SSN. I refused to provide that information, and ask what the nature of the call was. She refused to tell me, and said " you must know '' or something to that effect. I told her I had no idea. I did know it is a debt collector, but I do not know for what debt. I would like to settle my debts, but I do not provide SSN information over the phone from people using their first names only and calling to discuss " a personal matter ''. 

She knew it was me because she must have caller ID and addressed me by name when I called. She refused to identify what the nature of the call was, which I did figure out. She refused to tell me anything without having the last XXXX digits of my SSN. She said something to the effect that " I should know what this is about ''. No, I can not read minds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved out of an apartment in   XXXX   XXXX     and received my final bill from my electric/gas company "  XXXX   XXXX  '' in MA. It was more than I expected ( because I was canceling a " budget plan '' too early ), but nonetheless paid it via the automatic withdrawal that I had setup with my accounts that was in place the entire time I was in that apartment. I even confirmed with  XXXX   XXXX  support staff that my outstanding bill would be automatically withdrawn for the full amount.     Months passed and I received a letter from a credit collector  " Transworld Systems Inc. '' th at I had an outstanding debt of {$280.00}, which was not any of the amounts that I was told by  XXXX   XXXX  which makes this highly suspicious. I told them that this was an error and they did n't contact me via mail/email/phone for another 4 months and then I got another letter in the mail. This needs to be resolved by them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: This is in regards to an ongoing complaint with Bluebird by American Express. I received a check for {$560.00}, but there was a balance of {$800.00}, why did n't I get the whole {$800.00}.
cardholder XXXX XXXX  My name XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Balance transfer

Complaint: I recently applied and was approved instantly for a chase slate card with what I thought per the offer online was for {$0.00} transfer fee and an introductory 0 % APR. After account approval I did n't see any confirmation that the balance transfers I submitted during the application process were going to be executed. So I called in to ask about the transfers and during that conversation the rep told me there was n't an introductory 0 % APR. I asked him to double check because that was what was advertised and why I applied. He confirmed that there was no introductory rate so I had to cancel the card, which is somewhat frustrating, not only for my wasted time but for the adverse impact this will have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Medical) with Capio Partners, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is an XXXX yr old woman- capio partners are harassing her and muddying up her credit with a false claim that she owes {$100.00}. for XXXX XXXX - XXXX XXXX for XXXX - co pay. this is over 7 yrs ago and she never got a bill. 5 yrs is the limit of owed bills. she had Medicaid & other ins which paid all bills. this needs to be removed from credit bureau 's. please assist her in the clearing of this bill not owed! XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 recently submitted a dispute to Equifax regarding a XXXX XXXX account ending in XXXX. Instead of removing the since its an older account Equifax updated to report as " Repossession '' This was a chargeoff account that was paid through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time Attached is the last letter i sent this credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX Credit Bureau showed gross negligence in security of my and 145 million Americans as shown by a security breach in XXXX XXXX. XXXX took six weeks to announce a security breach had taken place, in which time three XXXX executives, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold nearly 2 million dollars in stock of the company. After XXXX announced in XXXX XXXX that 145 million Americans had their dates of birth, social security numbers, names, driver 's licenses, and addresses compromised, no solution was provided for those affected. This information is highly sensitive and the leaking of said information is devastating. This leak could also have been prevented, as XXXX was notified in a report by Homeland Security there was a major flaw in the security of their website. This was a devastating, preventable disaster and XXXX is entirely responsible for the breach of XXXX 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 04-05-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: My bank continues to submit payment after my account has no funds.Which than occures nsf fee charged to my account. I have attached documentation to support my claim.If you look at the simple mobile one was submitted on XX/XX/XXXX when funds were there.B ut bank did not pay until the XX/XX/XXXX when funds are not there.As I said this is continues practice of theirs. I am on a fixed income please help XX/XX/XXXX XXXX XXXX FL XX/XX/XXXX Debit card transaction ( ... XXXX ) - {$48.00} {$34.00} XXXX XXXX FL XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief