milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: This is not about my credit score. This is about Bank Of America that made false promises to me about a dispute I had in the amount of {$420.00}. I have names of supervisors and representatives ( if needed ) that told me to provide all documents, which included 1 ) a letter of complaint describing what happened 2 ) receipt of purchase from merchant 3 ) a second opinion letter proving that what I purchased did not work. In short, I went to a XXXX to treat XXXX XXXX and was promised a XXXX week kit I bought for {$420.00} would DEFINITELY work. It did n't. I 'm still suffering with the same symptoms, seeing different doctors to help me, and had a letter from my primary doctor CONFIRMING this stuff was bogus and a rip off. Several times, I was told that second opinion letter would be sufficient enough to take that charge off of my account ( as long as it was within the time frame and it was ). So I faxed everything from a Bank of America in town and all documents confirmed it was sent. When I called to follow up, they said they " could not see " the second opinion letter. I said it was definitely faxed with everything else. They had me fax it again. This went on for months. They said they finally received it and would be sending me a letter. The letter said my documents given were not sufficient enough. I was furious. I called back to appeal the decision. This time I spoke to a supervisor in disputes ( again if needed, I will give names ) He said they must not have gotten the second opinion letter because that should definitely be enough to get the charge off my account. Again, I went to Bank of America to fax the second opinion letter from my doctor. Now, I got a letter stating that unfortunately, it 's out of the time frame. This credit card company is ran by nothing but a bunch of crooks. I will NEVER give them another cent. And I WILL be letting everyone know the experience I had with these people.Feel free to broadcast this anywhere consumers can see it, because I know I surely will!!! I have included documents that were faxed over. Please take note as you review, that some might be repeats but I want you to notice the time frame. I started this dispute back in XXXX ( it 's written on the doctor 's notes and it was all sent over within the time frame ). I am also fighting this dispute through XXXX. 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 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I purchased a credit report from TransUnion online for advertised price of {$1.00}, charged to my XXXX XXXX XXXX XXXX card. Upon receiving my XXXX bill this morning there was a charge from TransUnion, in addition to the {$1.00}, of {$19.00}. I called TransUnion, whose representative insisted I was liable for this additional charge because I did not " cancel '' within 7 days of ordering the credit report. ( While the representative did agree to cancel my " subscription '' for any future months and to send me a confirming e-mail, I have not yet received any confirming e-mail from Trans-Union and am concerned they will seek to impose this charge in future months. ) I saw nothing on the TransUnion website imposing this alleged additional monthly charge or any obligation on my part to " cancel '' within 7 days of the date [ XXXX XXXX, 2015 ] I ordered my {$1.00} credit report. Looking at TransUnion 's website as it exists today following my unsatisfactory call with TransUnion, I did see this proviso there in small print and not presented in a way that most people would notice. My perception is confirmed by the large number of similar complaints against TransUnion on the XXXX website and by my conversation with XXXX XXXX XXXX, who advised me they have received many complaints about this TransUnion practice from their credit card customers. 
The deceptive sales tactics of TransUnion are obviously designed to mislead consumers and to evade TransUnion 's legal obligation to provide an annual free credit report and/or limiting the amount of money they can charge to provide a credit report. I contacted TransUnion for my credit report on XXXX XXXX immediately after receiving a letter from XXXX XXXX that my personal information in their system had been stolen by hackers. TransUnion first refused to send me the free annual credit report, to which I am legally entitled, online, because they were not satisfied with the answers I gave online to palpably obscure and misleading questions supposedly designed to ensure I was actually the individual in question entitled to the report. However, TransUnion was willing to and did send me my credit report online when I went on their website an hour later and agreed to pay them {$1.00} for it per their deceptive offer. ( In the latter instance, unlike my initial application, I was not asked any obscure questions going back XXXX 30 years. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have a home with Nationstar Mortgage. We filed our Homestead Exemption with our XXXX county tax office here in XXXX XXXX, Tx. they owe us refund checks from our escrow account for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have called them multiple times and still have n't gotten any answers. They owe us about {$10000.00} if not more for our over paid taxes. My husband has a XXXX with the XXXX XXXX. They are not following the rules for our veterans with the tax exemptions. We filed form XXXX and form XXXX. None of our veteran friends have this problem with their homes and mortgage companies. I keep all our paperwork from Nationstar Mortgage and they still pretend like they do n't owe us an money. I will still seek out help until these issues are taken care of. also i will start to record all conversations with all representatives from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: Bank of America is not complying with CARD Act regulations, specifically : Under 226.9 ( c ) ( 2 ) ( iv ) ( B ), the change-in-terms notice must ( 1 ) notify the consumer of the right to reject the change before its effective date ; ( 2 ) provide instructions for rejecting the change, and, if applicable, ( 3 ) contain a statement that if the consumer rejects the change, his ability to use the account for further advances will be terminated or suspended.

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 01/19/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since mid XXXX XXXX day I 've been contacted by the same debt collector. I have spoken to them about my debt and asked then to not contact me again but they persist. Everytime I asked them to please stop calling me and that I 've already talked to someone regarding my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2015 about Mortgage (FHA mortgage) with HOMESTAR FINANCIAL CORPORATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: ANY OF THESE ACCOUNTS DOES NOT BELONG TO ME * XXXX XXXX XXXX   XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT Individual XX/XX/XXXX {$400.00} {$31.00} $ XXXX-PAYS 61-90 DAYS {$81.00} COMMENTS FIRST PAYMENT NEVER RECEIVED *XXXX XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$1000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX   XXXX Revolving OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$420.00} - - - PAYS AS AGREED - Individual *XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$3000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual *XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$6000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX  XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$9000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX   XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$5000.00} - - XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED DUE TO INACTIVITY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is trying to recollect a debt that has already been paid. XXXX has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to ERC and removed from my credit report XXXX XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have XXXX XXXX full access to my account. They have verified me via checking account and debit card. Bank of America was supposed to report my recent transactions so XXXX XXXX can calculate my max out to reborrow until next pay day. I contacted BOA XX/XX/XXXX - let the rep know I approve XXXX XXXX, and they are trying to get info so I can receive more funds. XX/XX/XXXX - my light bill was supposed to draft from my account via bill pay services BUT because BOA did not report to XXXX XXXX as requested the bill pay did not go through. In return my lights will be cut off XX/XX/XXXX when I called to try and get help AGAIN from BOA they gave no help at all!! And the thing that upsets me the most is they acted as if they did not care my account was going to overdraft and/or my LIGHTS a very important thing ( as well as XXXX and gym membership ) will not be Paid. Or my account will have many overdraft fees. To put the icing on the cake ; BOA had an online promo at time of application to open my account. The promotion read : " {$300.00} bonus when you deposit {$4000.00} within 90days of opening account, once meet {$300.00} credit will be funded to my account within 1 billing cycle. '' BOA is now telling me that promotion is not on my account. I was choosing between XXXX XXXX and BOA the ONLY reason I chose BOA, a non-local bank, is because of their promotion. I reached $ 4000+ deposit on XX/XX/XXXX Please help me in solving these problems. <P/>Thanks in Avdance!!!

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 01/21/2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: According to the Fair Credit Reporting Act ( FCRA ) the public record ( Dismissed Chapter XXXX Bankruptcy ) was to have been removed from credit file XX/XX/XXXX. EQUIFAX is the only credit bureau who has not complied. Their action continues to have a negative impact on credit scores. 
I continue to dispute EQUIFAX Hard Inquiries. EQUIFAX continue to comment that these hard inquiries are factual records of file access and if I believed these records were unauthorized for me to contact the creditors. I have done this on several occasions. 
Credit files : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXXI received a Loan from Santander Bank for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was XXXX by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with Santander to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with Santander because I had GAP insurance, they were contacting Santander but Santander did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and Santander would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union, XXXX and are not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

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 06-09-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I enrolled for a Citi Gold-XXXX miles reward program, was accepted, confirmed my acceptance and confirmed my fulfillment of requirements to earn the bonus miles with Bank 's customer service several times, they even told me the date the bonus miles would arrive. 
After that date, I inquired as to why the miles never showed up, the bank " launched an investigation '' and 2 months ( of collecting {$30.00} service fees while they looked ) later, they sent me a letter denying me on the grounds stating that I never enrolled for the rewards program, and when I provided the information on how I enrolled ( including the promotion code ) they stated that campaign was targeted and did not apply to me. EVEN THOUGH they accepted me, reiterated the requirements and repeatedly told me on the phone that I was enrolled and the miles would come. 

The bank is basically trying to deny me the miles and scam me for {$90.00} in account service fees for the account knowing they were never going to give them to me in the first place. I would like them to honor this agreement and grant me the miles.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (MD).
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: Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with AAA Auto Title Loans, LLC (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XXXX/XXXX/2017 I was contacted by someone ( XXXX ) claiming to be looking for an individual. When I explained that I can not release information about an employee to outside people for personal work matters the person became hostile asking for our HR department. I informed them that I can not transfer him to HR for this matter he made a snide remark and hung up on me. 

I then called the number back to find out that this was the Cash One Legal department

Company response to consumer: Closed with explanation