milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Settlement process and costs

Complaint: I HAD AN COMPANY XXXX CONTACT ME AT HOME AT XXXX ON A SATURDAY MORNING WITH LETTERS WITH BANK OF AMERICAS LOGIN STATED THAT I HAD ISSUES WITH MY LOAN MODIFICATION APPROVED BY BOA 6 YEARS AGO. MINOR THREATS STATING THAT I NEED TO RESIGN PAPERS AND THAT OTHER PEOPLE EXSISTED ON MY TITLE WHICH I DOUBT AND I NEED TO HAVE THEM SIGN THE MODIFICATION. THE LOAN IS IN GOOD STANDING SO I DONT UNDERSTAND I DONT LIKE PEOPLE SHOWING OUT UNANNOUCED WITH PAPERWORK THAT CLAIMS I DID NOT WISH TO COMPLETE THE NEW PAPER WORK???

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 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Please Please Help Me Copies enclosed. 
Barclays Bank Delaware extremely stressful going on. 
Numerous Numerous call ( hang ups mostly ) record on cell phone. 
Rep no knowledge of banking procedure As you will see they credited the {$790.00} check to husband account on XX/XX/XXXX On XX/XX/XXXX they transfer to my account ( we both have accounts ) Now my accounts shows {$310.00} Credit ) Why would they apply this to my account when I did not owe {$790.00}? Why Awful banking right there. 
On my husband account they are saying payment due-his due date is XXXX/XXXX/XXXX I paid XXXX on XXXX/XXXX/XXXX so how is a payment Past Due! Come on Barclays Charged interest on XXXX/XXXX/XXXX {$14.00} I have been with this credit some years never this much game playing! 
They are reporting negative information on credit report 30 day late I have never complain about what I felt unfair or unethical with there procedures However, I would now like to see Barclays Bank Treat me as a rel customer. 
Apply the {$310.00} credit to the account they took from.Also remove any negative information from husband report. 
As can see Barclays all people are human. 
Barclay this was very costly for us! Could not purchase home Due to trying desparley to bring down debt ratio. 
Your failure to apply money in time. 
Barclay please do the right thing and correct this error. 
Thanks

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 12/13/2017 about Checking or savings account (CD (Certificate of Deposit)) with TIAA, FSB (MA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I opened a number of CDs with EverBank on XXXX XXXX, 2017. I did this by phone with an EverBank rep, laddering the CDs for one year through five year maturities. 

Recently I inquired by phone about early withdrawal fees on these CDs. The rep told me that I would have to pay 25 % percent of the interest I would have earned over the full length of the CDs, even though the products are only three months old. 

This means that I would have to pay a substantial amount of my principal to the bank. I was never told about this when talking to the initial rep. This smacks of robbery and is totally inappropriate. Other banks in which I hold CDs will usually take back a portion of the interest already earned, not 25 % of all future interest. 

I could not find this penalty in their Web advertising which I will be attaching. 

I have to say that I am shocked that TIAA, a very respected organization to help teachers and professionals to plan for their retirement, would be associated with this bank. Their policies which they do not discuss on their Web site are cheating consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (FHA mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/27 Dear Consumer Financial Protection Bureau : Attached is a follow up complaint to my initial complaint number XXXX due to incomplete Santander Bank manager and/or representatives ' response to my request. Thank you for your help. 

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
Consumer complaint received 04/23/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX I applied online for a XXXX XXXX XXXX On that same day XXXX XXXX did a hard inquiry on my XXXX credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my XXXX report that my application would not be processed. I had also received a letter from XXXX stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my XXXX report and will only consider my application if I allow another hard inquiry. XXXX will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next two years and I got no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (WY).
Issue: Problems when you are unable to pay

Complaint: My grandmother got a loan from Citifinancial and they put a lien on her house until the loan was paid in full and she was also told she had to purchase the insurance in case of XXXX or death. She purchased insurance and eventually she had a XXXX and when I called to ask what the insurance will cover Citifinancial told me it was only payable upon death. Later they sent her a letter stating the insurance will expire XX/XX/2015 and would no longer have insurance on the loan. Unfortunately my grandmother passed on XX/XX/2015. When attempting to make an insurance claim, and they deny the claim stating she had no insurance although they we 're charging her for it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

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 11-12-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: The specific problem here is Citibank 's failure to take XXXX " declined '' transactions out of its " pending transaction '' queue for my credit card. The more general problem is the absurd administration of the queue for various transactions. The attachment shows that queue for my Citibank AA Platinum credit card. 
The specific problem arose because on XXXX XXXX, 2015 my daughter ( a cardholder on the account ) went to purchase XXXX season ski pass for the ski slopes near hear college for {$500.00}. The transaction did not go through. She kept trying to submit it and ultimately a {$500.00} charge went into Citi 's system 4 or 5 times ( I 've been told different things by Citi during calls with Citi ; they should have call logs ). According to Citi, all such transactions were declined. However, 6 days later, there are still XXXX " pending '' transactions for {$500.00}. Those all use up my credit limit. Ultimately, on XX/XX/XXXX, my daughter tried the transaction again and I am told by her that it went through. 
I 've called and emailed Citi asking them to get rid of the already " declined '' transactions. In response, I receive emails that tell me the transactions can remain in the queue for up to 30 days ( see the attached emails in the image file ). You need to issue a regulation that stops such stupidity and unfairness. 
More generally, this little mess caused me to look at how long some things sit in the queue. You can see for yourself when you look at the list. It 's absurd. There are XXXX day old gas station charges. There is a XXXX XXXX charge for {$100.00} that no doubt is a placeholder charge from my stay at a XXXX LAST WEEK. I checked out XXXX XXXX XXXX. 
Obviously it 's easiest for merchants and Citi if they act slowly, if at all. XXXX, for example, should close out the placeholder. And, Citi should void out the XXXX declined ski pass transactions for {$2000.00}. But instead, they do not and I end up wasting my time on this nonsense. Moreover, it may be that these long delays help the bank to rack up " over limit '' fees from many of its customers. As we all know, today 's banks are all about hitting consumers with fees. This may be the same scam as stacking checks ahead of deposits in order to create overdraft fees in checking accounts. 
In sum, since Citi and others fail to act in a timely or responsible manner to clear out old transaction, you need to issue regulations that force timely and responsible action. Yes, it will cost Citi money to do things in a timely manner, but that 's what should be done and having more employed people would be a good thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2017 about Bank account or service (Checking account) with KEYCORP (CT).
Issue: Account opening, closing, or management

Complaint: I received a certified letter from Key Bank XX/XX/2016 informing me that my account would be closed. I called the number provided, XXXX, and was told that my account indeed would be closed and they chose not to tell me the reason why. For over thirty years I have used this bank through its different iterations, from XXXX Bank, through First Niagara, and most recently Key Bank without any problems. A similar event ( the threat to close the account ) occurred in the change from First Niagara to Key, however seemingly it was resolved by my branch bank which is now closed. I do n't know why Key Bank would not want my account since I have not changed my banking habits for over thirty years. The implication is that I have abrogated the rules of banking. If I have done something illegal, I should at least be told and given the chance to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I was recently informed by my Daughter XXXX XXXX who had used XXXX of your Shell credit cards that there is still a late payment entry on my Credit Report. 
I had written to you over a year ago and asked you to correct this entry since the lateness was due to your billing problems not my paying my Shell bills on time. 
I have always paid my Shell Credit card bills on time since I opened the account. Then Shell sent us new credit cards with new expiration dates like all credit card companies do every XXXX-3 years. But in your case the new credit card was not linked to the old account online. So when I logged in to pay my bills, I was only able to view the balance for the new credit card, not the older card which still had a balance. Dispite the fact that I was make regular online payments, they were all go to the new card and nothing was paying off the old card. Meanwhile the old card had about a {$100.00} balance on it. Suddenly I am told that I am several months overdue on the old card which never apperas on the online account. This is despite making regular in full payments to the new card. 
Since then you have corrected the problem and several months after my issue, both balances started appearing on the online account. 
I have asked them twice to correct this problem.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 have a XXXXXXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXXXXXX XXXX  to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. 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 07/18/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had deposit a  XXXX  check towards the auto loan and it stated my next due date will be   XXXX   2020 but now they adjusted the loan without my knowledge and say my next payment is due next month. I no longer have a car. The Gap coverage refuse to pay there part on the loan. They have not reach out to the insurance company. I have been doing all the work and stressing out over them paying there part for this auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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 04-05-2017 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: In early XX/XX/XXXX my Key Bank & XXXX debit cards were stolen along with my Driver 's license out of my wallet. Immediately, I reported my cards stolen and the fraudulent charges that were brought upon my account. Unfortunately I was n't fast enough and whomever had already committed their criminal acts. As instructed by both banks, I immediately filed XXXX police reports and came into both banks to sign affidavits. After doing so I played the waiting game. Recently I reached out to both and I had been informed by both banks that my claim was denied. Somehow, this criminal withdrew {$3000.00} from my XXXX XXXX account and just under {$2000.00} from my KeyBank account. The problem is I only had {$10.00} in my KeyBank account and about {$10.00} maybe {$20.00} in my XXXX Account so how were they able to withdraw such amounts? Also, I had my accounts set up so that I COULD N'T go negative. I 'm a student XXXX at the University XXXX so I 'm unable to work and pay off this ridiculous amount nor should I have to because I did not commit the criminal act. I 'm not asking for any money, or anything of the sort. I simply do n't want to be held liable for something I did n't do. All I want is a positive account balance that 's not going to disrupt my credit. I do n't care if it 's a new account at XXXX $ I just want the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Shown below are messages sent to the debt collector XXXX XXXX XXXX (XXXX XXXX XXXX XXXX/XXXX XXXX XXXX; XXXX, XXXX XXXX; XXXX). This issue is the following: I am a landlord and the debt is for on of the units I own. I have never lived at the location of the dept. Each of my tenants receive their utility bills directly to them. The utility payment is not included in the rent. The utility company should attempt to collect the debt from the tenant  at the location of the debt.
 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Re: Dispute 

I received a letter for Convergent dated XX/XX/2017. Please consider this my response to the consumer information guidance on the reverse side of your letter.

I dispute the total validity of this debt. 
Request to receive verification of the debt and or obtain a copy of a judgement ( I asked for this information in my message below).
Receive a copy of such judgement.

As a solution to this issues I recommend the following: have the Creditor determine the party who used their service(s) and pursue collection of debt from them. For my protection, I am forwarding a copy of this message to the Consumer Protection agency. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX, 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Dispute 

I received a call from Convergent XXXXX17. I informed the caller that I have no debt due to Consumers Energy to my knowledge. I have never resided at the residence in questioned where the debt is assigned. I asked for documentation. I was told it would be sent. I have not received it. 

In response to the information you need to investigate the dispute.
Identify the specific information that is being disputed. I don't have an outstanding obligation.
Explain the basis for the dispute. I don't have a basis. I did not raise the issue.
Include all supporting documentation to substantiate the basis of the dispute. I have no supporting information. 

Please contact me if necessary. I will be as responsive as possible to resolve the dispute. Have a good day. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax 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