milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Problem is with Bank of America Rewards Visa Palatinium Plus. 

I had 2 balance transfers on it. One that started on XX/XX/XXXX and expiring XX/XX/XXXX at 1,99 % and the other one that was due to expire on XX/XX/XXXXwas 0 % APR. I called in at the end of XXXX, spoke to representative and asked what amount I needed to pay to cover in full the expiring promotional rate. The lady said it was a little over {$1900.00}. My monthly payment of ( minimum balance plus some extra pay ) was already deducted and I paid additional {$2000.00} to cover the expiring promotion on XX/XX/XXXX. Despite doing so- Bank of America started charging me {$30.00} a month in interest fees claiming that the amount that the amount I paid went towards the other balance. I talked to the representative who did n't really know what he was talking about and asked to speak to the supervisor. Representative came back on line- instead of supervisor. They offered to credit one amount of {$30.00} ( at that point they already charged me twice ) and said I need to pay {$2000.00} to cover that promotion again! I asked to speak to the supervisor who -did confirm that the amount was applied to the wrong balance and forwarded my case to resolution center. They did call me back today. Stated that they ca n't do anything because the amount was applied to the correct ( higher interest ) balance. When I made a statement about hypothetically both balances being at 0 % they still would n't apply it correctly anyhow because they would split it in half- she had no response. I explained to her, that when I called in originally about the balance I did ask what do I need to pay and how to pay it - and that I was not informed about how incorrectly it 's going to be applied. They also could n't answer my question about how was I suppose to make that payment in order for the {$2000.00} be correctly applied to the expiring promotion. When I explained that I going to file a complained with CFPB the representative from resolution center did n't say any other word and hung up on me. 
I have this card for many years and all my payments were always made on 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 monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy 's contacted me in XXXX 2016. They stated that they believed that there was fraudulent activity on my Macy 's credit card. They felt that charges were fraudulent because the merchandise was not being shipped to my home address. I confirmed with them that I had definitely not made the fraudulent purchases. Macy 's assured me that the fraudulent charges would fully investigated and they would be removed from my charge account. They stated since the charges would be removed, there was nothing further for me to do. I had none of my own purchases on the card at the time of the fraudulent activity and I have not used it since that incident. It is now XXXX XXXX, and the charges remain on my account and they are placing late charges on the account for non payment.

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 02/14/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I got an email from XXXX  XXXX saying I spent {$350.00} on MENS clothing and had it sent to some state Ive never been to. Called XXXX XXXX support and they told me it was fixed and took away all charges.. then now, a couple months later Im still getting bills from them for this problem and Im trying to resolve it using XXXX and it remains. Im not paying for things I did not purchase and thought they resolved months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX I have unauthorized inquiries on my credit report. I have called the companies and mail request to removed these inquiries off of my credit I 've advised the credit beruae but not was done ... 
Here are the ones. 

I never applied for XXXX XXXX XXXX- i see several times on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 10/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: Dear CFPB, I currently have a Bank of America mortgage and am unable to contact " customer service '' for any assistance on my loan or impound account. On XXXX XXXX, XXXX, I was " on hold '' XXXX hours trying to reach a representative to ask a simple question about my impound account and finally got disconnected from their phone bank. 
THIS IS UNACCEPTABLE. I am calling about my home. I am a customer. The use of a so called " customer service '' number by Bank of America is hypocrisy because what is going on is instead customer ABUSE. 
Why should I have to wait XXXX hours during my work week to try to speak with a representative about my home mortgage? They should be required to have a call back service or something that does not hold customers XXXX for hours to their negligence, disregard and abuse of customers. 
Please advise what you plan to do about this. 
Sincerely, Customer

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 09-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The loans began in XX/XX/XXXX, they are parent loans for my daughter at XXXX XXXX, and a few for my son at XXXX, Daughter graduated in XX/XX/XXXX, my son XX/XX/XXXX, both are now XXXX, My last loan was in XX/XX/XXXX, all have been consolidated into one. Since XX/XX/XXXX, I have begged for lower payments. I show I borrowed about $ 60K, I have paid back $ XXXX, and it shows I owe $ XXXX.
Each time I asked for a payment I could make, I got a forebearnce, at the time it was a relief, I now understand how bad that was, also, as a veteran, the SCRA says under 6 %.
I have written, talked to, emailed all the lenders involoved : XXXX, XXXX, XXXX, XXXX, XXXX and Navient- and I get no answers, I can not get a copy of loans, consolidations, I really do not know how much was borrowed.
Now, XXXX as the loan, and it just the same. At XXXX years of age, it will be soon when I ca n't pay anything, but, I would like to try and pay what I owe, however, the interest they say is crazy, going back to XX/XX/XXXX, it should have been adjusted and never allowed to get where it is now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am very very very concerned with HESSA and the XXXX arrangement with private school loan lending. I have been unfortunately misled into believing my loan was a government backed loan via its association to federal and state officers. I believe that this is grounds for a class action suit against the XXXX for its misleading of the loan buyers via its various marketing materials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Payoff process

Complaint: Synchrony Bank will not let me log in to pay money towards my Amazon card balance, because my ( now closed ) card is enrolled in a consolidated credit payment program. So I 'm denied access to my own account and not permitted to pay down my own balance as strongly as I can. I 'm stuck with the $ XXXX-something monthly payments, rather than being allowed to toss {$200.00} at it on months when I am able.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Loan Me continues to harass me via phone before XXXX almost on a daily basis. They call from various phone numbers and they have also started contacting my ex husband for information. I never allowed them to contact him or even contact me at my job. They call from XXXX and XXXX usually before XXXX. They continue to harass me almost XXXX times in a day. I have tried to communicate with them via email and phone, trying to work out other payment options and they will not help me. They also served paperwork to my job regarding a potential judgement againest me and it was not sent in a privacy envelope, I was given the information in a interoffice envelope that someone in HR saw all my info regarding the judgement. I could be fired for this. And they have also called my employer several times even though I asked them to cease and assist.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXXand I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 10/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Billing disputes

Complaint: About a month ago, my credit card was compromised which required me to get a new card with a new number, during this process Barclays Bank of Delaware declined XXXX recurring charges for my gym membership in the amount of {$17.00} two times for both my membership and my wife 's. A few days later, due to the payment being declined the gym submitted XXXX charges of {$42.00} ( {$17.00} membership fee + {$25.00} late fee ) which Barclays allowed to be charged to the cancelled card. I have been disputing the {$25.00} portion of the XXXX charges with Barclays as in my opinion this late fee was charged to me due to their actions.

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 08-09-2016 about Debt collection (Medical) with EOS Holdings, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had an outstanding medical debt with a local hospital. I did n't pay it off in time and it went to a debt collector. They proceeded to file a debt collection lawsuit against me however they misspelled my name wrong in the court documents and then they said they served me however I have proof via my gps watch that I was n't near the place they served me. They stated I owed over {$1400.00} to them however the legal documents only state they are trying to collect {$600.00}. I am disputing the fact that I owe more then the {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Attempted to temporarily lift a freeze at TransUnion using their website. Their website made it unclear as to whether or not the lift was a temporary or permanent lift. This resulted in an accidental permanent lift of the record freeze. TransUnion refuses to waive a {$10.00} fee to reinstate the freeze, despite the fact that their website makes it unduly difficult to monitor and control one 's credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (NV).
Issue: Making/receiving payments, sending money

Complaint: My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post. 
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession. 
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to get information to fix what problems are making my score decline in a very steady manner. I am paying Experian for credit monitoring because they made me pay for my report. I have looked again today to see my XXXX lose XXXX more points I signed up in mid XXXX it is XXXX XXXX they do not say in detail what brought my score down. It is ongoing with Experian I am sure these are unreliable reports and it is almost criminal I feel like I am paying to lose points when all am doing is trying to fix credit problems. It feels like if I say something or try to fix it, it just gets worse. It is scary writing this but I feel I need to say something.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid my account to XXXX for the amount of {$180.00} and I called them several times to make sure they already report it to equifax credit bureau and they say yes but my credit report it 's still shows not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with Rent Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by phone by Rent Recovery Solutions, XXXX. The collector told me that I owe a debt that I do not owe. I requested that she mail information to verify the debt to me. I gave her my current address and she recorded it. She stated that a letter went out to an outdated address. I said, please mail me information in writing to my current address. She refused. She said that if I did n't give her a fax number or an email address, then I was not going to get it. She was belligerent and combative about it. I asked, then why did you take down my current address? She said she would not mail me anything and that she could only use fax or email and that it would only have the name of the creditor and the amount due, no explanation as to where the amount came from or why. I informed her that it is my right as a consumer to have verification of the debt and the amount mailed to me in writing, and she still refused. She has called me back 4 more times, even though she has refused to verify the debt in writing. I believe the behavior of the debt collector is in violation of the Fair Debt Collection Practices Act. 

I have since disputed this debt in writing to this company. The letter that was mailed to an outdated address was eventually forwarded to my current address via the USPS. Luckily, I was able to respond in writing within 30 days of the date of that letter to dispute the debt. This is how I found the name and address of the company. If the mail had not been forwarded to me in time, I would not have had the opportunity to respond within 30 days. I think that is why they refused to mail anything to my current address - they did not want me to be able to dispute the debt in writing. I did not have access to a fax machine and, because this sounds like a scam, I did not want to give out my email address. The FDCPA specifies that verification must be mailed to me - not faxed or emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Sir, It is a complaint general in nature not specifically against XXXX credit reporting company. For the last 5 years or so I have been paying my bills on time, have no debt, no mortgage, am home owner ( mobile home, fully paid ) own my car. But still my credit score is a big factor in being declined for even insurance. I do have XXXX credit cards. Is there any hope for me to get a good credit score during my life time despite my good financial behavior. I am XXXX years old. I would be nice to hear something favorable from you. May XXXX bless 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 12-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX, on my way home from work, I had stopped by a XXXX to withdraw {$20.00} from the atm on that site, and to make a purchase as well. When I got home, I had checked my account balance and had noticed that {$450.00} was missing from my checking account. Following procedures, I called Bank of America to notify them of fraudulent activity, and that money had gone missing. My account was put on a hold until I had obtain a temporary card, and the {$450.00} was credited back to my account. On XX/XX/XXXX, i went to make a purchase at a local gas station, and my card was being decline. I checked my account to find the reason why, and noticed that Bank of America had taken back the {$450.00}. When i called the bank to question as to why that money was taken, I was told that because I had used the atm at that particular store in the past, that they couldnt find any fraudulent activity, and/or that some one had prior knowledge of my account information and was able to make that withdraw. I argued the fact that I had not made that withdraw, for the amount said, nor did I authorize that transaction to be made. As far as I am concerned there is or was fraudulent activity made against my account. I even went as far to have my claim resubmitted to Bank of America- and again, my claim was denied, with Bank of America claiming that they found nothing that seemed fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief