milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: FORECLOSURE SALE DATE : The letter sent to me for my last HAMP request was dated XXXX XXXX, 2016. As per treasury guidelines, the homeowner ( thats me ) must be allowed to file an appeal within 30 days. Which means that the lender can not foreclose on the property during that 30 days appeals period. The declined letter sent to me correctly states this rule. Currently, the foreclosure date is set for XXXX XXXX, 2016. During my conversations with the trustee, and Rushmore agents I have repeatedly asked that foreclosure date should be set in accordance with the treasury guidelines and what is written in the declined letter. However, the date is still set for XXXX XXXX, 2016. I respectfully ask that they suspend the foreclosure activity and consider this information provided to in this appeal. 

My lender is forcing me into foreclosure on my HOME without reviewing my loan for HAMP. I have requested numerous time that my loan be reviewed for HAMP Loan modification. My plea had fallen on deaf ears. I believe that they have no intention of doing a HAMP modification for my loan. I have been stuck in the mortgage XXXX for the past 4 years. They are just running out the clock on me while adding all kind of fees to the arrears that could be avoided. FOR THE PAST 4 YEARS, ALL I AM GETTING IS RUN AROUND AND NO HELP. in the most recent review, they calculated my financials completely wrong. I make nowhere near the money they claim. Based in wrong income ( {$11000.00} + ) they denied a HAMP modification. I am attaching my most recent and current financial information with this package. I am hoping that you can get it done correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed a debt with XXXX XXXX on my credit. The date of original debt is listed as XX/XX/XXXX, however the date of the original debt goes back to XX/XX/XXXX. I have filed multiple disputes with Transunion and they verify that the social security number is mine but not the date. The original creditor XXXX XXXX no longer has my file as it is more than 7 years old. XXXX XXXX will not respond to requests to give dates of original file or remove the file even though it has been reaged and is against FCRA rules.

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 10/31/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX is still at misleading misrepresenting false debts that steam from identity theft charges.XXXX XXXX n written letters stated do n't pay this n that for months issuing checks but now asserts a different position n for charges XXXX  does n't owe the amounts n computer records of XXXX XXXX blacks out n was reported for breaches card thefts unlawful charges n other suspicious allowed activity vs my card n therefore ca n't charge me by retroactively changing its position after they thought the file was closed here I am opening up another one on them.730 $ + u kidding? when who? last time i checked bal XXXX that way it will remain misleading statements by a bank n it 's reps, is serious business .on identity theft relative charges nothing can be held vs me technically so all the debt must be discharged I 've written after the charge list card theft which I never got a replacement I asked XXXX XXXX  stop contacting me in writing it still continues anyhow I should n't have to pay for a card to a Non licensed, debt collector for a bill I have n't not used or ordered, other than cheating n deceit XXXX XXXX  even attempts to erase payments made for months during their computer crash '' breaches which were FTC reported that is which causes even further harm on the aspects of failure to notify non " verified orders were being made by people yet XXXX was being accounted as oweing then not oweing then oweing, XXXX XXXX has confused me yet again which is why Americans  should deal with the customer service part we would n't have mixupslikethis, ivdont owe XXXX XXXX XXXX  anything

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Unauthorized transactions/trans. issues

Complaint: A company called XXXX used my prepaid card to charge my account, they where not authorized to use the card. I called American Express Bluebird cards who refused to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX continues to claim that I owe money for an account that was never mine. The same debt has been added to my credit report in collections for the third time. I have cleared the issue with XXXX XXXX twice and it was erased, but has somehow returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all three reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a chapter XXXX bankruptcy that was discharged on XXXX/XXXX/2008. I had a home equity loan with XXXX XXXX XXXX that was included. It is showing on my Equifax credit report as being reaffirmed. This account was never reaffirmed. I have disputed this with XXXX and Equifax several times and it is still reporting as being charged off after being reaffirmed on Equifax. The account needs to be removed from Equifax due to the bankruptcy was over 7 years ago. This account has been removed from XXXX and XXXX but still Showing on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Checked my balance the morning of XX/XX/2018. Showed an available balance of {$28000.00}. I walked into the branch located on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to conduct business and get a cashier 's check in the amount of {$14000.00}. The teller, with her supervisor named XXXX denied my transaction. Her grounds were that the money was processing into my account and she could not negotiate it. The money was available and i was actually able to withdraw {$13000.00} in cash from the teller- but they would not accept any more withdrawals from my account- even though the receipt i received from them showed a remaining AVAILABLE balance of {$15000.00}! I asked her for an additional {$1000.00} and the supervisor refused the transaction. I immediately walked over to the ATM inside the bank- withdrew the remaining {$1000.00} and asked to be served with a cashier 's check for the amount of {$14000.00} which i now held in cash in my hand. XXXX once again refused service on the grounds that she " knew what i was trying to do. '' The complaint is twofold : i was denied available cash from my account and i was denied a cashiers check with cash in my hand.

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 07-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In XX/XX/XXXX, I opened a CareCredit account backed by Synchrony Bank. I did this at a XXXX  office. It was on a promotional offer for 0 % interest for 18 months. I ca n't see the original amount because my online statements only go back 12 months. <P/>I immediately went home and called CareCredit. I informed the rep that I wanted to configure my payment account to automatically pay it off on time. I told the rep I have money and I do n't need credit and the only reason I took this account is because it 's free. I asked the rep " So on XX/XX/XXXX, this will be paid in full with a balance of {$0.00}, right? And the total lifetime fees and interest will be {$0.00}, right? '' and the rep confirmed my calculations that yes it is as I said. <P/>Over time, I saw the monthly payment amount being automatically calculated, and reducing as the balance was reduced. So I thought that meant everything was on plan according to the rep 's instructions. <P/>Now I see that it was n't so, and I am joining the legion of people on this site who were misinformed in a predatory bait-and-switch effect. In XX/XX/XXXX, CareCredit instantly charged me all the retroactive {$890.00} in interest plus about $ XXXX/mo ongoing interest, putting my balance back up to almost its original amount, as if I effectively have to pay my medical bills twice. <P/>I just now found this out in XX/XX/XXXX because I thought the balance had been completed. The online statement history only goes back 12 months! So I called CareCredit on the phone and even the manager was belligerent and rude, as so many people have said on this site. He told me six times that I had configured my account wrongly and told me what I should have typed in, and that there 's nothing they can do. I asked him to quit repeating that, and tell me who I can escalate to -- so he repeated it again and again. I received not one single concession, no path of escalation, no recourse, not one word of options -- just blame. <P/>I have never dealt with a credit card company that 's this obstinate, and with such a losing attitude. I escalated again, but I do n't expect to be called back or to be given any options at all. <P/>The account has never been late or had fees other than interest, and everything has always been " paid as agreed '' status. The current balance is {$1900.00}.

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 02/14/2017 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I entered an agreement with Gurstel Ghargo, PA in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make XXXX payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with Gurstel Chargo and we should send subsequent payments to another collection agency, XXXX XXXX XXXX. They gave us the new information. I completed the remaining two payments with XXXX XXXX XXXX XX/XX/XXXX. To my greatest dismay, Gurstel Ghargo filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach Gurstel Chargo to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When XXXX XXXX XXXX severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at one time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: A false charge of {$680.00} appeared on my Ally Bank checking account on X/XX/17. The merchant was listed as XXXX XXXX XXXX CA US. I contacted Ally teh following day to open a dispute. They in turn contacted XXXX. XXXX stated that the transaction was authorized and refused to provide a reversal. XXXX listed the Merchant Number as XXXX. The Seller was XXXX XXXX, email address XXXX. They also provided shipment tracking information showing that the merchandise ( whatever it was ) was delivered to XXXX XXXX XXXX, XXXX, NY XXXX. ( I live in Colorado ). Ally refused to provide a refund.

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 10-05-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: For all intents and purposes, the following will be referred to as " The Creditor '' herein : Chase Card ServicesXXXX XXXX XXXX, DE XXXX creditor has disregarded FCBA and concerning Consumer Protection Laws multiple times in the last 2 weeks. 

Below is a brief list of the Federal and State violations : *charge for goods that were n't delivered as agreed. 
*failure to post credit, while the investigation is pending. 
*charge for which an explanation along with a request for clarification is needed. 

Charge of {$26.00} with " XXXX XXXX XXXX '' was disputed with the merchant since the merchant started closing the food station within 10 minutes of seating us and told us that we had to leave soon. Since we were not provided enough time for the goods, we requested a dispute to which they refused. 

The charge was then disputed with Chase but the creditor refused to investigate/provide temporary credit/comply with FCBA, even though it was told that the charge is inaccurate because the the service/goods were not delivered. The merchant failed to present proof of its investigation and the specific reasons for it 's decision. 

I request that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement along with the record/corrective course of action adopted by Chase & CFPB to address similar violations with other consumers in order to avoid further scrutiny of the same by a private legal counsel and concerning agencies : Attorney General, Federal Reserve Board etc. 

Enclosed is a copy of letter by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXX I attempted to use them to make a purchase to find they had both expired. I called the  customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.

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 01/26/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: A service charge in the amount of {$20.00} was deducted from my checking account on XX/XX/XXXX. I have had a banking relationship with Citizens Bank since XX/XX/XXXX, and I have not previously been charged a similar fee. The charge appeared simply with the description of service charge and I had no idea what it was. 

On XX/XX/XXXX, I noticed this {$20.00} service charge and sent electronic correspondence through Citizens Banks online banking platform questioning the charge. In my correspondence, I requested that the purpose of the charge be explained. I also requested that, if the amount was charged in error, to reimburse the {$20.00} to my account. 

Five days went by without any response from Citizens Bank. On XX/XX/XXXX, I sent another message through Citizens Banks online banking platform asking when I could expect to receive a response. 

On XX/XX/XXXX, I received a response from Citizens Bank representative XXXX XXXX The representatives message was a form letter, but the message advised that by maintaining a monthly combined balance of only {$20000.00} in all your linked Citizens Bank accounts you can waive the monthly maintenance charge on your Circle Checking account. The representatives message offered no redress to my specific complaint, nor did the message provide any explanation as to why the charge was being imposed for the first time ( after many years of owning this account ). 

This appears to be a new interpretation by Citizens Bank. Again, I have had this account for many years and have never been charged a similar fee. I have no record of ever consenting to maintain a {$20000.00} minimum account balance. My Circle Gold Checking account was opened many years ago, and based on the fact that it is no longer referenced on the Citizens Bank website, it appears to be a legacy account type ( i.e. only " Circle Platinum '' accounts seem to be referenced now ). As  such, it is clear that Citizens Bank now intends to charge me a monthly fee of {$20.00} unless I fund this account with a minimum balance of {$20000.00}. I do not consent to this, and I find the unilateral imposition of this pricing to be deceptive on the part of Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The phone calls need to stop. 

First call : XX/XX/XXXX. I was working. Ignored. 
Second call : XX/XX/XXXX. I was working. Ignored. 
Third call : XX/XX/XXXX. I was working. At this point I was going to tell them to leave me alone. 
Fourth call : XX/XX/XXXX. I was working, but I told them to stop calling me especially during work hours. 
Fifth call : XX/XX/XXXX. At this point I told them if they called me again I was going to report them because I am on the donotcall list and I requested to be left alone. 

They called again twice today at XXXX XXXX. No response, I ignored them.

Company response to consumer: Closed with explanation