milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Advertising and marketing

Complaint: XX/XX/2017 Consumer Financial Protection Bureau / Original Complaint No. XXXX Bank of America / Claim No. XXXX XXXX Inc. / Case No. XXXX In my opinion, Bank of America and its representatives have engaged in supporting False & Misleading advertisement by XXXX Inc. In my opinion, Bank of America has a fiduciary responsibility to protect its customers against corporations that engage in wide-spread exploitation, and under scrutiny by U.S. government agencies. It is common and readily available information that XXXX Inc, is a corporation that is being sued by U.S. government agencies chartered with protecting consumer rights. 
Bank of America is a self-regulated business that should value its customer satisfaction. And protect its customers from Unfair Trade and Credit Practices. In summary, it does seem evident, that informing me of my right to be educated as a consumer, and right to seek redressal has been suspiciously absent and ignored by Bank of America and its representative. As a consumer, I give Bank of America a poor consumer satisfaction rating. In my opinion, Bank of America representative XXXX ( Resolution Specialist ) did not address this issue, which was core to my complaint with the CFPB. 
Further-more my customer service experience with XXXX has been poor, since she has been non-responsive to the phone voice-mails left by me and my representatives. XXXX list her contact information as XXXX, ext. XXXX. She stated in written correspondence that she is available XXXX XXXX to XXXX, this has not been my experience with XXXX . 
Further Evidence of Fraud / False Advertisement In written communication provided by XXXX Inc. to Bank of America , XXXX Inc. claims that I signed their Self-Serve contract. Yet Bank of America had not acquired any contract with my signature. Why? Bank of America took on face value the word of XXXX. Why? If XXXX. asserts that I signed up for a complete Self-Service, then why would they also claim to charge for an auto-bidding strategy ( listed on page 1 of 5, 4th paragraph )? Why did n't Bank of America question this glaring contradiction? XXXX. claims to provide services for 2 business locations, why would I contract for 2 business locations, when 1 of the locations was closed and I was moving to the new business location? I only have 1 business location. 
cc. Federal Trade Commission

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: i disputed this with Equifax over a year ago and send documents to have them remove a collected agency from my report. which they did. on the   XXXX   XXXX   XXXX   l  i send another letter to  XXXX  the collection agency because it was still showing up on my   XXXX    report. well  XXXX  contacted Equifax and without verifying it, Equifax put it back on my report. it has been over a week and i still have n't received a letter from Equifax saying they added it back to my report. this is illegal and it goes against  XXXX  policy. forward to today. i called Equifax at  XXXX  and spoke with  XXXX  from the  XXXX , he would n't give me his last name. i updated my demographics and i spoke with him about some more errors on my report like a Bankruptcy which i asked where did he get that info from and he told me that the courts in my hometown provided it. so i told him that i send him a letter stating that the courts do n't provide that information to the agencies, then he proceeded to say that they only get their information from the original creditor and not third party companies, so i said collection agencies are third party companies and you just told me that  XXXX  gave you the information on that account. its has been too much going on with my account and i need Equifax to remove all info that i have verified on my report. attached is my supporting documents.. they refuse to update.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Auto) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: they called with robo calls several times a day I did talk to a XXXX and told her ai would pay when I got paid but to stop the calls. The two days before i was to be paid they changed my pay date and tried endlessly to call and was on hold forever till my break of a half hour was over this happed more than one then the calls started endlessly again even after i told XXXX who called to stop calling me if they had an issue to write and invoked the FDCPA and still the calls came. i have 17 calls i have kept and the one telling XXXX to stop they said they wrote me and i never head back why because they had the wrong address for me and i never recevied any letter yet their bills come i wrote the pres and told hiim if he send me a late charge I wold report the calls after my letter to him specifically saying do not call and have that call recorded as well. They then sent me another letter to the wrong address which by some miracle i got pointed out thaqt the bills are correct the lease is correct yet they sent me a letter to the wrong address. i did not want to file this but felt i should never pay a late charge due to the harrrassment ai suffered. They send me a bill with a late charge and now I want my $ XXXX per violation. I will never pay the late fee since they are paid within th3 30 days and feel they should have stopped the calls when I told them to and they continue to send me bills with late fees well they can now just see what happens and I will never pay the late fee ever and they can eat it and learn from this that calling non stop is unacceptable when told to stop Had they treated me with the respect of stopping the calls then i would pay the fee but now somr they viiolated FDCPA they can just waive it for the term of the lease I will never buy a Honda iff this is how they treat their customers writing to wrong addresses and robo calls do n't wotk.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with SUNTRUST BANKS, INC. (VA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: Suntrust, XXXX XXXX XXXX, XXXX, VA XXXX {$330.00} XXXX penalty for the following violations : Mistaken identity claim effective XXXX, mail fraud penalty of {>= $1,000,000} for XXXX XXXX XXXX, XXXX, VA XXXX, equipment leasing fraud with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and attempt to purchase homes with fraudulent documents with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX of Dividend History ( XXXX adjustment ) and XXXX XXXX  reporting, {$220000.00} fee

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 12-09-2016 about Credit card () with Army and Air Force Exchange Service (MA).
Issue: Delinquent account

Complaint: My commander was contacted on several occasions due to payments I made late on my exchange credit program ( ECP ) card. As your site says below, this is illegal, yet it is right on the ECP 's page of frequently asked questions payment questions. I understand that this matter is right in their terms and conditions, however, if this matter is truly illegal, there should n't be any " wiggle room '' in the 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 explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed bankruptcy on XXXX/XXXX/XXXX. It does not show on Equifax. It does show on XXXX and XXXX as it should but now Equifax. My attorney told me I was eligible for a discharge on XXXX/XXXX/XXXX which is today so I would think that it should have been on Equifax by now. I contacted Equifax back early XXXX and they told me there 's nothing they can do. 

Also, I noticed that shortly after I filed bankruptcy, I noticed I had a hard inquiry on my Equifax credit report only. I NEVER reached out to XXXX to purchase anything so they never ran my credit. I called Equifax and they again told me they ca n't do anything about it. I escalated it with XXXX and they said it would be taken off but it has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the cosigner parent of a loan with XXXX XXXX XXXX XX/XX/XXXX. Loan agreement terms ended XX/XX/XXXX. Payments began XX/XX/XXXX to current. XX/XX/XXXX I requested consideration for cosigner release. Request denied for insufficient payments. 48 are required. XX/XX/XXXX I applied again. Request denied for forbearance applied. I submitted proof to AES of all payments from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and 18 month pay history for XX/XX/XXXX. I sent all these bank statements which has only my name on the account and a copy of my loan agreement that i signed in XXXX with XXXX. No one requested a forebearance. I made the payments from my account. I identified my daughter had worked while attending college all of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and current. The forebearance could not apply in this case. AES forwarded a account transaction summary showing 3 cosigner payments applied in XX/XX/XXXX, 4 cosigner payments in XX/XX/XXXX, 10 cosigner payments in XX/XX/XXXX. I handled these transactions from my account to ensure AES would receive payments while my daughter was building steady employment history. The payments came from one account, all. Checks. My contract with XXXX was sold to AES in XX/XX/XXXX. My contract does not say loan servicing agency reserves the rights to misleading cosigner release advertising.. Close to XXXX has been credited to this account. I asked how can I accomplish cosigner release benefits. The account transaction summary was the reply. This must me illegal to apply payments this way without terms and conditions consent from AES to us to agree or decline. I found out the loan was sold when AES falsely denied my request for release. I spoke to a local XXXX branch about this. I learned that XXXX does not make cosigner release decisions because the loans were sold. The AES representative told me XXXX decides because I challenged the incorrect forebearance denial & payment schedule denial. I 'm concerned both myself and daughter will be a financial hostage to AES. I forwarded my appeal to the VP of Compliance and VP of Loan Operations. The account transaction summary was the answer. I need a referral for consumer protection. Please advise. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Payday loan) with SECURITY FINANCE CORP (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my parents phone and discussed my debt with them. I had n't lived at my parent 's house in 20 years

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 12/28/2017 about Vehicle loan or lease (Lease) with VW Credit (NC).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: This company claimed i signed paperwork as a joint acct.. and i didn't..they took my signature and ran me as the primary because my income was greater,, i was told they would only use my income to help applicant get loan and my info would only be used for identification purposes for income and in would no way be on the loan.. When loan was finalized they had use my signature as the primary applicant and would n't remove me, ,would n't send me a contract of where i signed as a primary and now have my in credit bureau for a repo .... If you look at paperwork you will see i never signed the primary or joint applicant part of the loan .... 

Creditor Information VW CREDIT XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Customer service / Customer relations

Complaint: I contacted Capital One customer service to find out why my balance never goes down when I make every payment on time and hardly ever use the card. The man that I was speaking with was fairly pleasant through the conversation. I was not understanding what he was telling me. He said he would transfer me to someone else. As he was transferring me to another person he began cursing in English and XXXX ( XXXX ), and said something about XXXX my mother. I was so shocked I did not say a word. Once I was transferred I asked if the previous conversation was recorded and explained what happened. He said it was recorded and that they would look into it. The second representative credited me my interest for the last month for my inconvenience. I do n't feel that this is enough compensation. I did nothing to deserve being spoke to in that manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: Equifax recently deleted my former employer XXXX XXXX XXXX XXXX XXXX from my credit report. IRS & The Social security Administration can confirm that I was employed by the company from XXXX. XXXX XXXX have been deleted from XXXX, XXXX XXXX deleted from XXXX, XXXX XXXX. My identity have been stolen, in order to receive my social security XXXX I need my credit report to reflect these employers. For IRS. I 've sent you my name change also. I need for my report to reflect these changes. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I mailed you all of these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-being at risk. recently, it was determined that Experian has removed the fraudulent debt collection from my credit report but has not done the same with my wife 's ( XXXX XXXX XXXX ) credit report, which is very confusing being that the same process of deleting fraudulent information should apply to both of us!

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 02/13/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (KS).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 my Compass Bank account administered by Simple was locked and the funds in the account subject to a garnishment. On XXXX XXXX, a deposit was attempted and denied. On XXXX XXXX, that deposit of {$570.00} was allowed into the locked account. The deposit was not supposed to be allowed, as the account was locked. 

A court order has been issued to release the funds in the account after the initial locking. Simple and Compass are refusing to follow this court order.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (MO).
Issue: Trouble during payment process

Complaint: I sent an Error Resolution Notice to M & T Bank concerning an error in the application of an unknown payment to my account. I did not make that payment and M & T Bank did not disclose the source of the payment. I requested that M & T Bank provide me with copies of all documents and information that they relied upon to post the transaction to my account. See attachment : XXXX M & T Bank has not corrected the error. M & T Bank has not provided me with a written notification that includes a statement that M & T Bank has determined that no error occurred, a statement of the reason or reasons for this determination, a statement of my right to request documents relied upon by M & T Bank in reaching its determination, and information regarding how I can request such documents. See attachment : mtbank_letter.PDF

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for an american express everyday credit card under the pretense that my balance transfer would be 0 % interest for 18 months. When I received my first bill in XXXX, I had been charged {$32.00} interest. I immediately called the company and was told it would be taken care of in 3 to 5 business days. I have since gotten my second bill from them for XXXX and have been charged an additional {$59.00} in interest. I called them again on XXXX/XXXX/XXXX And was told they would file a dispute. It is now XXXX/XXXX/XXXX, and my account still has not been fixed. This has also caused my minimum payment to go up. I have been wrongfully charged a total of {$91.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Convergent Outsourcing Inc. 
XX/XX/XXXX {$160.00} Company mailed a debt collection letter to an address I have n't lived at for over five years addressed to a name I have n't used in two years in an attempt to collect a " debt '' due for a phone bill from XXXX. I cancelled my XXXX account in XX/XX/XXXX,  paid the final balance due and received notification regarding the {$0.00} balance on my account. When I received the notice from Convergent Outsourcing Inc stating a had an outstanding balance I called XXXX who again checked my account and informed me I was current, my account was closed, and there was no outstanding balance. I have never been behind in my payments to XXXX and have never had an outstanding balance with them. This is a fraudulent request from a company and an inappropriate request. My information should at no time have been shared with this company and with no outstanding balance this company should never have contacted me.

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 07/19/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: Citibank sent a bill around XXXX/XXXX/15 for XXXX, when I received the bill I called Citibank to clarify mistakes on that bill. Now here were the mistakes, for some time we were carrying a large bill in the amount of XXXX which we were able to pay off on XXXX/XXXX/15. Just prior to paying off the entire bill I disputed two payments of XXXX from XXXX around XXXX/XXXX/15 and told Citibank NOT to accept anymore charges from XXXX and that I contacted them to tell them NOT to submit anymore charges. When I received the bill from Citibank around XXXX/XXXX/15 they had credited my account XXXX but the purchases showed a charge from XXXX on XXXX/XXXX/15 and a XXXX for XXXX and interest charges of XXXX. Bill due XXXX/XXXX/15 for XXXX after the credited amount of XXXX was subtracted. I contacted Citibank to question why they had placed a XXXX charge for XXXX on XX/XX/XXXX15 when I told them NOT to do that. No explanation, I also questioned the interest charges and wanted an explanation as to how they calculated these charges because these interest charges on the bill were confusing and contradicting the way they were written on the bill. Again no explanation. I told Citibank that I would not pay any bill until they resubmitted a corrected bill and gave me the explanations to what I requested. They ignored that request and continued to submit two more monthly bills with more interest charges and late fees totaling now XXXX and Citibank has turned this matter over to a collection agency. I had an attorney involved but due to the small amount of the bill he could not get approval from my coverage to take the case and recommended this course of action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage with Chase. I was asked to pay {$470.00} to lock in a rate on XXXX XXXX. I was told this fee would be refunded if Chase did not approve my mortgage at the rate agreed. Days before closing Chase informed me it would charge points for the agreed term. It was also clear that I was not approved and their ability to close on time was not assured. I went with another lender and asked for my money back and they have refused. 
XXXX XXXX misrepresented the fee and that it was refundable if I was not approved. By charging points and delaying processing, potentially making me miss my closing as I was driving across the XXXX caused great stress and I felt coerced, mislead, lied to and was dealt with fraudulently when they emailed and said I could get the fee back. They have manipulated their interpretation. I am enclosing emails from XXXX and I have kept the original emails

Company response to consumer: Closed with explanation