milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (TN).
Issue: Billing disputes

Complaint: My complaint is about a dispute improperly handled by the credit card company. 

My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. 

I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. 
-The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. 
-XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. 

When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. 

I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. 

It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency IC Systems is attempting to collect a debt from me on behalf of XXXX for unreturned cable equipment. Firstly, XXXX has confirmed that I did return the equipment and owe them nothing. Additionally, XXXX has told me that IC System is no longer an authorized collecter for XXXX, and is in fact harassing XXXX customers.

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 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed Transunion a certified letter asking them to provide me with details of several negative trade lines that were listed on my credit report. They responded after XXXX days informing me that they verified details of the negative account I listed. I believe Transunion did not do a sufficient investigation. XXXX of the account XXXX XXXX XXXX is a payday lender. If Transunion had done a proper investigation they would have discovered that this was a payday lender, and that payday loans are illegal in New York. I would like Transunion remove the accounts I requested information on. Following my initial dispute I sent XXXX additional letters to Transunion asking them provide me with the method of verification. I also spoke with a customer service representative in regards to the XXXX XXXX XXXX account. I spoke with a supervisor and asked them to provide me with details of who they spoke with to verify the details of the account. I asked them what documents did they review. The outcome of that call was the supervisor offered to add an additional dispute in regards to the wrong type of account being listed. XXXX XXXX XXXX listed it as an installment loan. The supervisor mention this additional dispute would take another XXXX days. I can provide additional documentation in regards to this if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with TD BANK US HOLDING COMPANY (AZ).
Issue: Payoff process

Complaint: I obtained a " XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it 's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bayview Loan Servicing reported inaccurately the payments made. The payments were done within the due date and they reported as no payment

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Credit determination

Complaint: Please see related CFPB complaints Case number : XXXX ( also attached ) I have received XXXX different verbal answers by USAA reps via recorded line, and now XXXX different decision letters from USAA bank all within the same week. 

This recent letter seems rather vague and ambiguous. I fear there may be some issues here incuding, but not limited to Truth in Lending Act. 

Furthermore my original complaint was based upon double inquires on my equifax credit report by USAA and the way that I was lied to by USAA stating that it would not affect my credit as long as they were running my credit within a 48 hour window of the first app. Not the case, credit has been lowered because of this too. 

There is something very wrong going on here with USAA. 

cc : XXXX XXXX XXXX XXXX. Consumer Protection Attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Account opening, closing, or management

Complaint: Opened checking account with valid funds. Removed funds approximately 3 weeks later. Received first statement with around XXXX cents interest. Called phone center requesting closure of the account. Stated this could not be done with a positive balance. Was advised that she would give to her supervisor, and after 1 month fees would reduce to a negative balance. The supervisor would then waive the charges and close the account. 

Received two more statements with increasing fees. Balance now negative {$68.00}. 

Called phone center on XXXX. Advised they could n't " verify '' me even though I verified through their I 've. Offered transaction amounts ( only one deposit and check ). Was advised I 'd need to go into a branch because they could n't verify me. Asked to speak to supervisor. XXXX ( no last name or rep Id was given to me upon request ). Same piece given that they could see my account but nothing " on it '' so they could n't verify me. Offered any personal information and identified those XXXX transactions, but they would n't ask for anything, stating that I needed to go into a branch. 

advised that this seems like a systemic issue that they ca n't verify me ( or wo n't attempt ), and that the racking up of the fees seems wrong given the follow up not happening. Asked her to provide phone call to her leadership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I asked about lowering payments Navient advised that I could reduce payments or take advantage of forebearabce but never explained how this would affect the loan and or interest associated with loan. In fact they almost insisted I take the forebearance every time I asked about my options. Navient did n't inform me of any deadline or proper documentation either. I feel as though a Navient did n't have my best interest in mind when assisting me with my loan. Disappointing! This has also impacted my credit dramatically as the fees and interest are way out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (Store credit card) with PAYPAL HOLDINGS INC. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Paypal has not been impartial when facilitating disputes. In my case, a merchant ( XXXX ) mailed merchandise that was too small. The product came from their warehouse in CA. However, Paypal told me they sent an email on XXXX/XXXX/17, asking me to return the items to XXXX, I never received that email. I did receive an email asking for a confirmation of mailing so I quickly returned the items to the sending address, in XXXX XXXX, CA. However, despite the XXXX indicating the package has been delivered, they have refused to return my monies of {$120.00} until the merchant affirm. This is not appropriate given the merchant is using a XXXX address to make it difficult to return items not usable. Instead, Paypal is working on behalf f merchants instead of the average US consumer in this matter. I ask for assistance in regards.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a credit card with XXXX XXXX and I am an active duty service member. Under the SCRA, XXXX XXXX does not assess Annual fees on credit cards. The card in question was originally issued by XXXX Bank which was later absorbed by XXXX XXXX. On XXXX XXXX XXXX, I called the credit card company and paid the balance down to zero, then stated that I was leaving for deployment and that I did n't want a balance remaining due to the limited access to the internet and phone to make any payments should I use my card, I also updated my address so that I could receive correspondence. I left for deployment XXXX XXXX XXXX. On XXXX XXXX XXXX, an annual fee of {$59.00} was placed on my account. I never received a statement for this. On XXXX XXXX XXXX, I received a credit alert at my .mil email address stating that my account was 60 days past due. Immediately I paid the account because I happened to be in an area where phones were available. I returned from that deployment XXXX XXXX XXXX. The only time the account has ever been late since it was opened in XXXX XXXX was after this fee was assessed. It is not fair that I was charged an annual fee and keep getting charged an annual fee, especially since it is stated on XXXX XXXX 's website that they do not assess fees against active duty XXXX under the Servicemember 's Civil Relief Act. On XXXX XXXX XXXX, I talked to a representative at XXXX XXXX explaining my situation. I was told by the rep that they would send out letters to all of the Credit Agencies, and one to myself, to remove the 30 and 60 day late account status from my credit report. That never happened. I would like these negative remarks removed from my credit, it is wrong that they are still there after three years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: EOS CCA called X/XX/2017 asked for personal information. Never sent a letter stating who they were or what they wanted. started calling again a month later never stating who they were or why they were calling again no letter??

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Cardholder purchased item that was defective using Citibank USA credit card while abroad in XXXX. Merchant refused return of item despite merchant 's documented policy allowing such a return. Citibank USA requested documents from cardholder to verify, and was irreasonable in what sort of documents cardholder could obtain while abroad for extensive portion of calendar-year. Cardholder honored Citibank USA requests for documents. 
For this XXXX 2016 purchase dispute, on XXXX XXXX, 2016, Citibank USA concluded to cardholder : " We previously contacted you requesting information necessary to complete this inquiry. Since you did not include all the requested information or documentation in your response, we are unable to assist you. Please contact the merchant directly if you wish to pursue this matter further. 
We now consider this investigation complete. '' Cardholder feels that he has honored all requests and been cooperative with Citibank USA during the 6 months of dispute and that Citibank USA has failed in its fiduciary responsibilities in handling this matter. Cardholder has suffered monetary loss of {$440.00} USD as a result.

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 04-09-2017 about Money transfers (International money transfer) with RIA FINANCIAL (NY).
Issue: Money was not available when promised

Complaint: This company operates International Money Transfer service " XXXX Money Transfer ''. 
1 ) I submitted the money transfer request on XX/XX/2016. 
2 ) The transaction receipt indicated that the money would be available by or before XX/XX/2016. 
3 ) The company debited my XXXX XXXX XXXX account on XX/XX/2016 for {$200.00}. 
4 ) The transfer was not received on XX/XX/2016 and there was n't any communication from the company. 
5 ) I contacted the company on XX/XX/2016, inquiring about the transaction. The representative replied and asked for XXXX information, which was provided. Eventually, after back and forth, the company did release the money on XX/XX/2016, plus it took 3 more days to reach my recipient resulting in a transaction time of 24 days. 

I believe the company failed to follow up w/ their XXXX inquiry in a timely manner thus misrepresenting the information about when the money will be available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Got a mortgage loan through Franklin American Mortgage Company. Original and very first statement on XXXX/XXXX/2016 for the amount {$1200.00}, which i already paid check number XXXX, enclosing copy check from the bank, and it was showing cashed clearly. 
and on XXXX/XXXX/2016 i received a new mortgage statement. I did write several letter, faxed, and even called all of my documenations to them inquired about the check # XXXX for the amount of {$1200.00}. Because i do n't this check was credited anywhere on my account ... However, Franklin American Mortgage Company did not answer nor responding to my inquired letter, and my issues still not resolved up to today ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: trans union is reporting rtr financial services i have no bussiness relationship with them this is nit mine

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 05/14/2016 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have attempted to contact my servicing company 3 times with respect to a canceled auto debit that caused me to need to pay a {$10.00} fee to avoid a late charge. I suspect CMC Funding ( XXXX, XXXX ) has done this to many others as well. Below is the text of the message I have sent them without response. In addition to the problem described below, they collect escrow to pay property tax and insurance. I am now 6 months into them servicing my loan and my county ( XXXX, OH ) still has the old servicer as the tax mailing address. This means that my tax bill never get to this servicer and I will need to come out of pocket to pay property tax and the servicer will just continue to accrue my escrow payments. I informed CMC funding that the tax mailing address was still wrong several months ago and no correction has been made. Interestingly, they have a " consumer advocate '' whose website is not functional ( when clicking on links I get an Error XXXX ). Please intervene to correct the issues described. I would like the {$10.00} late fee applied to my principal balance, my entire escrow balance applied to my principal, canceling of further escrow payments without penalty ( I will manage my own property tax and insurance payments since this servicer is incapable of doing so ), and the extra payment I made in XX/XX/XXXX should also be wholly applied to principal as well. Thank you. 
Begin message sent to CMC 3 times to date : My autodraft originally scheduled for XXXX XXXX was canceled without my consent after I modified the autodraft to add some additional principal. The confirmation said this would take effect XXXX XXXX but gave no indication that the XXXX draft would be canceled. I had call with your customer service that confirmed no late fees would be assessed. I did n't realize the autodraft did n't post until XX/XX/XXXX at which time I scheduled a one time payment with a {$10.00} fee for the XXXX. During the process I inadvertently scheduled XXXX payments. Provided that the XX/XX/XXXX autodraft will draw as scheduled ( please DO NOT cancel this ), please re-cast the payment that posted XXXX XXXX to reflect the payment due XXXX XXXX ( as posted ) and credit the additional {$2600.00} paid on XXXX XXXX to principal instead of towards an early XX/XX/XXXX payment. Therefore my XXXX XXXX autodraft will make the XXXX XXXX payment. Please also refund the {$10.00} online payment fee and credit that towards my principal as well. 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 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'm a Navient customer. I submitted a request to defer my loan because I have a student in school. I waited for about 60 days and never received a response from them. I contacted them and was told they thought I was applying for a deferment for a different loan, although they have different numbers. I was told that I do n't qualify for deferment but I can request a forbearance. I told them I was n't interested in that and I would call if I need it. They sent me the form in the mail anyway.

Company response to consumer: Closed with explanation