milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was investigating the fraudulent charges on my accounts for my different credit cards because my information was breached. SYNCB/SAMS decided not to work with me to get it resolved after all these years but decided to sell the debt eventhough it was against the section 605B of the Fair Credit Reporting Act. The interesting thing was they were able to find a way to report the instance on my account twice for XXXX but putting another account number but with the same information. 
I have provided police report, the document warning me of how my information was breached, FTC Identity Affidavit, and even documents to prove my identity. XXXX was nice enough to acknowledge it and report it as stolen card but it still leaves XXXX negative marks on credit report. Experian was able to delete it and XXXX only posted the one but did not provide the information that XXXX did. Identity theft is a pain in the XXXX and welcome any help I can get in getting things resolved.

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 03-02-2017 about Mortgage (Conventional fixed mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: On XX/XX/2016 I started the ReFi of my mortgage with AnnieMAC, we did not close until XX/XX/2017. In the beginning I was working with a Loan Originator which seem like everything was fine, I responded to her questions and needs and did the same for me. A week before the election, my appraisal came back and all the other paperwork required, I emailed her make sure that we were locked in at 3.8 % with no points. The day before the election I tried to get a hold of her to make sure because with election, interest rates could go either way. I was unable to get anybody at the company, their phone tree prevented me from getting a live person. I finally got a number through the web page and talked to a receptionist, she help me get in touch with a manager, his name is XXXX, he told me that the loan originator that I was working with was no longer with the company, nobody from the company had picked-up her clients, and according to him she never locked me in at 3.8 %, by now rates had gone up to 4.125 % with 1 point. They assigned a new loan originator, his name is XXXX and I had to start all over again. I told him not to lock me in and that we would just watch the market and after doing all the paperwork again, underwriting kept coming up with more items for me to get, instead of making a list and sending it to me, they would ask for something, wait a few days and ask for something else and wait a few more days and ask for more and more. They seemed like they did not know what they were doing. Finally in XXXX tells me that everything is good and we can close last week of XXXX. I locked in on XX/XX/XXXX at what I thought was 4.125 % with a small out of pocket for me. Turned out he locked me in at 4 % with a little more than XXXX points. At this point I just wanted to get it done, I asked him if we could wait until the first week of XXXX to sign so I could skip the XXXX payment, he said fine. Then after the 1st of the year it started again, a whole of more inquires from underwriting, all the way through to XX/XX/XXXX. The whole process felt like these guys are a bunch of rookies. With what started out as a not cost to me ReFi ended costing me {$18000.00}. I have all the emails going back and forth if you need them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was listed as one of the people potentially affected on https : //www.equifaxsecurity2017.comXXXX by Equifax 's securitt breach. I feel that my information was mishandled and I, along with millions of other consumers, was put at risk. I hope for a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Balance transfer

Complaint: I used XXXX to apply for a Citi credit card. After being approved for an amount, it gave me the option to perform a balance transfer and add an account. I added my XXXX account number and hit submit. Then it said I was idle and logged me out. I do n't know if my mastercard information is safe. I did not get any confirmation email from lendingtree or Citi. Almost seems like a phishing scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year?

Thank you for your help in this  matter.

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 06/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2012, my husband was getting ready to retire. We submitted papers to XXXX Bank America, to proceed with a refinance to lower our interest rate. Rates were coming down and this was an opportunity for us. We proceeded with home appraisal etc. The bank lost our paperwork and delayed our application. In XX/XX/XXXX when I finally pressed, I learned that we came in with a good appraisal and could go ahead, they were sorry they lost the paperwork. When they put things back in place, they were sorry, we could not qualify because my husband was retiring and our planned income would be that much less. Had they processed properly in XX/XX/XXXX - we would have cleared that hurdle. It has been XXXX years since and we continue to pay a larger interest XXXX when we could have qualified for a XXXX (at that time). (Also at that time, there was a glitch with XXXX having incorrect data, which we did follow up on and straightened out). That would have saved us more than $XXXX. month. We have tried to refinance at a lower interest rate XXXX times since and Bank AmericaXXXX and now XXXX Bank have denied us. We cannot qualify to pay less, yet we continue to pay our mortgage, our taxes and have an excellent credit rating maintained over more than XXXX years at XXXX. How is it that we cannot qualify TO PAY LESS?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Was informed by Bank of America that my Checking Account Type/Variety which was 'enhanced checking ' since 2010 is now being changed to a 'Core Checking ' account with a fee structure. Previously, I had opted into my checking account with an agreement that as long as an active credit card was open with Bank of America, I would n't be charged checking account fees. This appears to be a nationwide move. I did not agree to have my services changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: Citibank would not grant approval for loan via XXXXAsked for utility bill but provided a non working fax number to send this information effectively denying creditEarlier asked many questions over phone by non XXXX XXXX speaker and supposedly got XXXX question wrong but would not tell which XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with Alliance Data Card Services (MO).
Issue: Payoff process

Complaint: XXXX offered 48 month low APR promo. Made purchase - program kicked in and minimum monthly payment due 's force the consumer to pay off in 21.5 months - not fully allowing the use of the 48 month program. ( The payment does include the monthly finance charge of {$15.00} - FYI )

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2016 my car got repoed by lobel financial. When they came and got the car the repo man had no paperwork in hand. We had money in hand to pay for anything we owed. I was at work at the time but my husband told him he had money to pay and the repo man told my husband im sorry I have no paperwork and no information on how much you owe. So of course off went the car. I called lobel the next morning to resolve this and that was the WORST experience in my life. They are rude, inconsiderate human beings. I explained to them very nicely that it was mix up and on my bank account. I told them I apologize. I told them I called right when it happened and at that time that person was very understanding and I told them I would pay it on the first. He said no problem I will mark your account. Will ... ... .guess what???? Nope! They would not listen, told me in order for me to get my car back I would have to pay my loan in full. I asked to talk to management no! I called the corporate number they sent me back to the other number. I asked to talk to management they put me on hold for XXXX minutes then call got dropped. I called to talk to the lebal department got put on hold again for a very long time then of course call got dropped again. They will not let you talk to management. Yes! I understand this is a new loan, but I explained to them the situation I went through and they did n't even care. I explained all of this would of been avoided if they would of sent the repoe company some kind of information on how much I owec cuz I would of paid the man.i even offered to pay what was owed in the rear and the very rude lady refused it stating in order to get the car back I have to pay it in full. I asked to talk to the manager that made that decision and she told me no. I asked to be transfered to corporate and with a XXXX voice and XXXX this is corporate. They will not let you talk to anyone. I feel I have been mistreated and unfairly by them and the car .ot. ( which I am opening a case with the lemon law against lobel and the car lot. ) When I got the loan the car lot and lobel REFUSED to add my husband 's income or my SSA income because oh its government money. I even tried to let lobel know when all this happened and they told me I have to pay my loan in full to get my car back because I am a risk I told them again I have more income to report. Once again they did n't want to hear it. What? Are they prejudice against people on government money? Or they just dont want to do extra paperwork. I have financed a car through them in the past.i did n't have no problems with them and paid my loan off. Which they told me thanks for coming back to lobel, we r here to help you. WHICH IS A STRAIGHT UP, IE LIE LIE. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2015 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In XXXX of 2013 I was sent a notice from XXXX XXXX XXXX to go to court for an outstanding bill of apx. {$8000.00}. I wrote back and said I did n't understand how they could take me to court for a bill so old ( it is about 8 years old. ) I told them that I went through a period of bad health and divorce. I got behind with the IRS. They have reviewed my case and put me in " non-collectible ''. I told them the best I could do was {$25.00} a month. They agreed on that. I have a contract signed by the judge that says that I will pay {$2500.00} a month. This year when I had my taxes done they took my {$150.00} refund from the State of Michigan. I contacted them and they said " does it say on the contract that we can not take that money? '' I said no, but it does say we agree to {$25.00} a month. Well they kept my money. Can they just go in on any of my assets and just take them, even though we have a contract stating payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive nearly-daily robocalls from ERC debt collection agency, claiming that they need to discuss some debt I owe. 
In actual fact I owe no one any debt, and no debt that I may have owed has been reerred to any collection agent. Nevertheless, the calls continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Citimortgage has falsely reported XXXX late payments on our XXXX mortgage for the months of XXXX 2014 through XXXX 2014, 6 late payments total. This happened during a modification of this loan when Citi instructed us to stop paying our mortgage to our loans regular payment address and to instead pay them directly to the modification department for a " trial '' period before the modification would be approved. I warned at this time from Citi that late payments could " temporarily '' show up on our credit reports but would fall off after the completion of the loan modification since my wife and I have never missed or been late on a single payment with them ever! This still holds true today, we have never been late on a single payment with them. 

A Citi supervisor instructed me to send them a copy of a report page showing the late payments so they could have them removed. I followed his instruction to the letter and Citi is now absolutely refusing to do the right thing, touting they must report the history as their system shows it. I have relentlessly tried working with them to get this FALSE information removed from mine and my wife 's credit reports to no avail, they refuse to do anything about it. 

My wife and I have worked extremely hard to keep our credit reports in good standing and as such have never been late on any payments to any of our creditors so this is as upsetting to us as it gets. We have been VERY long time customers of Citi so even more frustrating to be wronged to such extent by them! 

I have heard so many horrible stories of Citimortgage pulling stuff like this with other people, but still in shock they would do something like this to their customers. 

I would definitely like to file a complaint about Citimortgage as I ca n't see this even being legal what they have done! If possible I would like to request assistance in getting Citimortgage to do the right thing and have these false late payment remarks removed from both mine and my wife 's credit reports!

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 01-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Credit card protection / Debt protection

Complaint: I was browsing XXXX ' mobile application looking for hotel to stay for that night. It was my first time using the application. Somehow, there was a booked reservation on my account for that night. I called their representative right away explained that I was only browsing and I did not want to book that hotel. Long story short, the representative said that there is a XXXX ' logo on the mobile page and if I click on that logo, then XXXX automatically book that hotel for me for the night. There was no subsequent confirmation page before the booking goes through ; it automatically booked. Once the booking is done, there is no cancellation and no refund. 

The issue here is that I do not authorized the transaction. I was my first time using their mobile application and the method of their automate booking by tapping their logo is not fair and deceived. I think no average consumer would know that XXXX automatically book a hotel for you by clicking its logo - there should be at least a following mobile page clicking the logo to confirm my booking, but it was not the case here. In addition, I did not stay at that hotel and that hotel where XXXX automatically booked for me was very far from where I wanted to stay. I did not authorize the booking and I am writing to seek your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit score was XXXX but I have apply for a car loan at XXXX deller and some else has been us my information to etame crited in my name and there are to things on that are not my and not responsible for that be long to my ex-wife is santander consomer and that won removed that and remove all inquire witch I have not apply for credit

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (KY).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: XXXX XXXX, XXXX Dear FTC, Many months ago my lease with Ally Financial was coming to an end. I had never been late or missed a payment. And when they sent me my ending the lease package I examined it and read it carefully. They had a little circular piece of cardboard showing the size of damage for which they would not charge. I was supposed to hold this cardboard over the ding and if I could not see it there would be no damage charge. 
When I turned my car in to the dealership and leased my new car there was only one small ding which was of concern. I held the circular piece of cardboard over the ding and did not see it, thus there would be no charge.

When my final bill came it had some personal property tax, and two different areas of damage. The one was described above which fell into the companies own consideration of what would not be charged for and the other damage was something I was not aware of as it was not there when my car was inspected at the dealer, it must have happened during delivery or at the auction, which happens all the time. 
When I called Ally they insisted it was all legitimate and I owed the money. I accessed pictures they took which showed the small ding I described above. The other damage was something that was not on the car when I dropped it off at the dealer and in the picture you can hardly see anything. Neither picture was clear enough to see anything substantial. I challenged the damage and they called me back stating I owed it. Then I started to receive phone call after phone call. Every day and night and weekends. I received one call at XXXX on a Saturday morning and one at XXXX on a Sunday night. Both legal but definitely harassment although legal. I explained my position and the company continued to harass me. 
I then sent a check for the personal property tax owed noting in the memo section PAID IN FULL FOR ACCOUNT NUMBER # # # # # # # and they cashed it. This is a written contract and they accepted it by cashing the check. Still after, they continued to call and harass me and now this week they sent this to a collection agency. 
This account has been PAID IN FULL proven by their acceptance of my check which stated the same, and also there was no damage I was supposed to pay per their own policies and procedures. 
Now they are threatening to ruin mine and my wifes credit. I intend to proceed with a law suit to get this remedied if this complaint does not handle everything. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC. XXXX XXXX XXXX XXXX PS. For XXXX XXXXXXXX XXXX I challenge the validity of this debt per the FDCPA.

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