milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was on a XXXX XXXX to XXXX. I am XXXX XXXX XXXX. I was with my partner. We were in XXXX in a store to purchase a coffee. There was a line behind us. 
I paid for the coffee and put the wallet back in my pocket. I did n't notice tilwe returned to the hotel that the wallet was stolen. I notified the credit card company from XXXX. Being on a tour we had to leave in the am. When we got to XXXX we went with the tour guide to the Police station. document attached. We also lost XXXX and XXXX XXXX in the wallet.We spoke to XXXX customer service about the card.After several calls they took the charges and fees off. The card has cash advances etc. I had card for twenty years and never had a cash advance. 
Theysent out a following letter in XX/XX/XXXX ( attached ) The letter stated we participated in the fraud by giving the card to the merchant. Total lie. How did they come up with that erroneous conclusion.. I tried numerous times to reach them. They refuse to give me a supervisors name. They transfer my call to people who do not help. 
I reached on person XXXX who said he will get back to me in 3-5 days. Ten days  ago. 
I leave messages no calls me back. 
How dare they accuse me a fraudulent behavior. I do not know anyone in XXXX. 
Economically I have no reason to steal for the company. 
They continuously give me the run around hoping I will give up. 
I want these fraudulent charges taken of my card along with the fees you are charging for the fraudulent charges. 
I have never encountered a company like XXXX card. XXXX XXXX XXXX XXXX card is trying to scam me. 
What proof could you possibly have to prove I handed the card over to the merchant. 
I would like to see your proof.You accuse people of fraudulently using the card. Produce the evidence to the Consumer Financial Protection Bureau. 
It is despicable behavior on XXXX credit card. I have been a customer for over twenty years. Not even a late payment. Maybe you think if you put enough blocks in front of me I will give up. No I want those charges taken off my account. 
There whole response in their letter defies logic. I want this fixed.The total charges are {$1000.00} plus accruing fees.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Since XX/XX/XXXX I have been disputing information reported by XXXX XXXX XXXX and Equifax, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX  claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX    found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve wit h Early Warning Servic es,   XXXX   XXXX  , and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for busines ses. Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Deposited 4 checks into checking account via ATM for XXXX each on XXXX XXXX funds were said to be made available on XXXX XXXX. However SunTrust sent a letter stating they were going to hold funds an additional 7 days at that time once it clears they will release the funds. On XXXX XXXX XXXX when I logged into online banking it was restricted I contacted customer service who advised me to visit a branch which I did the bank advised me they were needing to hold funds until they were validated from issuing party which could take an additional few days, those few days came and I tried again to logon to online banking which was still restricted. I reached out to customer service again who then stated they decided to close my account due to federal rules and regulations and that I would receive a check for the deposited funds in the checking/saving account. Once I received funds from SunTrust they were for XXXX and XXXX?? which were the cash deposits left on the account and not the XXXX funds made available from deposited checks that were credited to account on XXXX XXXX, XXXX and that they will not release hold for deposit until XXXX XXXX, XXXX that deposit will sit it bank vault until that time unless I have issuing party reclaim checks and reissue in which issuing party is stating that I need to obtain funds from SunTrust as they have already release payment

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 10-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with IMPAC MORTGAGE HOLDINGS, INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I had applied for a loan modification, I was approved, but I by mistake did not pay the exact amount for the first two months of the loan I paid {$60.00} less per payment in error as I was paying off the stubs. They then took the loan back and declined me for the loan, I have tried to reapply and they have continued to deny me for a new loan. Now the bank is saying they are going to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Billing disputes

Complaint: I have been a loyal customer of XXXX XXXX for a very long time. When we received the last statement and reviewed the summary it appeared to be incorrect. It appeared to rebill a payment made against the prior statement that was paid in full. The amount in question is {$330.00} for the balance due for the XXXX 2015 statement which had been paid in full. 
Assuming the payment/credits and new charges amounts were correct then the current statement was over stated by the amount of the previous period payment that was made. Thus, instead of a new balance due of {$650.00} it would be {$310.00}. 
However, if you apply the standard accounting practice of calculating charges less any credits to identify a balance for all the charges and credits on the statement without dealing with any prior payments made or your payment in full and pay over time sub accounts you get the following : Audited Charges on Statement Agreed to = {$2100.00} Less credits shown on statement ( not incl. any previous payments = ( {$1900.00} ) Balance due {$240.00} I have tried to reconcile this issue with XXXX XXXX through written and phone communication however ; to date, XXXX XXXX personal whom I have tried to discuss this issue with have not been willing to go over the detailed math with me, have deferred the issue to someone else with no follow-up and have threatened me with fees and to report me to the credit agencies if I do n't agree. 

I would not expect this treatment from XXXX XXXX. It brings into play questions regarding reasonable customer service, a resolution process that is fair and timely, trust, ethical conduct and my consumer protection against a large overbearing company that will not reasonably resolve issues without threatening a person.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle lease) with Synergetic Communication Inc (CA).
Issue: Problems when you are unable to pay

Complaint: I am dealing with the collection agency Synergetic Communication , Inc. I am questioning how legitimate this company is for several reasons. They do not show up as the creditor on my credit report, and they are unlawfully attempting to collect a debt from me by violating several FDCPA laws. They have contacted me before XXXX my time zone and have also called me several times within one hour. They have also never sent me a debt validation letter to make me aware they are the collection agency assigned and to advise me of my rights to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote a letter to Experian asking them to investigate mistakes on my credit report. They wrote me a letter back stating that they refused to do an investigation. They said they were not going to do the investigation because they did not think the letter came from me. That 's ridiculous. They gave me a number to call to confirm the letter came from me but I could not speak with a live person unless I bought something. I think Experian is just trying to get me to pay for an investigation that should be fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I joined AAdavantage Premium Select Credit Card back in XX/XX/XXXX. Their promotion stated XXXX miles for spending {$3000.00} on first 3 statement. I spent over XXXX in two month. The reward page showed that i will be getting the XXXX on my next statement date of X/X/2017. However, Citi Bank ( credit card issuer ) closed my account for having too many inquiries showing on my credit report on X/XX/2017. I called Citi bank for the reward miles and they refuse to provide XXXX miles that I should be getting.

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 06/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Bankruptcy

Complaint: Account is showing as a charge-off when it was actually discharged in bankruptcy.

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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I've repeatedly, over the last several years, been unable to pull the free annual credit report from Experian. Every year I get " A condition exists that prevents Experian from being able to accept your request at this time. '' and suggestion to send a letter in the mail. 

I've tried calling Experian in the past and gotten frustrated by the hold times, operating hours, etc. Never gotten through to a human, don't trust that a letter sent blindly will succeed, and don't like the idea that my credit report, with all that information, might be sent to me in the mail in the first place. 

I believe Experian has done this to prevent me access to my *free* credit report, trying to get consumers to pay for something they should not have to pay for.

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 08/20/2016 about Student loan (Federal student loan servicing) with EdFinancial Services (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Let me start by saying I have been making my payments on time ever since I began paying my loans. I have never asked for repayment assistance and I know that my debt is my own to pay. 

After a phone call XX/XX/XXXX to confirm when my payment would be increasing, a representative name XXXX offered me an extended standard repayment plan. When I got the confirmation of my new payments in the mail, I realized that my new payments would be about {$300.00}. This was a far higher payment than what I 'd been told over the phone. I called EdFinancial to figure out the problem. Turns out, because my debt was {$22000.00} not {$30000.00}, I no longer qualified for extended repayment. This is where the trouble began. I was told by XXXX, a manager, that this was a " silly mistake ''. He went on to say that this " silly mistake '' could n't be fixed. EdFinancial could n't put me back on my old payment plan ... that I no longer qualified. He said that if I did n't want a {$300.00} payment that I would have to go on extended graduated repayment. I was n't happy because I knew that I 'd be paying interest only for 2 years, but at the time I could n't afford a {$300.00} payment. I received my new documents in the mail and went on with my life. 

Today I received a new statement in the mail ( sometimes they come via email and other times they show up in the mail ). I realized that for yet another month, EdFinancial will be withdrawing the same amount that I 've been paying for almost three years. So, I went back to look at my documentation and the information I could find on my EdFinancial account. 

According to the documents I was sent on XX/XX/XXXX, my payment should have increased on XX/XX/XXXX. It has n't, but my loan balance has. I am paying {$0.00} more than I was paying XX/XX/XXXX. At this rate, I will never pay my loan off. All this, because XXXX offered me a plan that I was not eligible for. I have contacted EdFinancial about the situation and I 'm currently waiting for their response. 

I am being penalized because of a " silly mistake '' made on their part XX/XX/XXXX that has been magnified by the errors being made since XX/XX/XXXX. What recourse do I have? How will they be held accountable for the mistakes made with my loan? How can this be made right in a way that I am not paying thousands of dollars more on a loan error that was not my fault?

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan many times with Rise Credit and they never approved me. They tell me that I was declined with no reason and told me to write them a letter asking why I was denied. I believe I have been discriminated because of my race.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Security freezes and fraud alerts were not removed per my request. Also, I never requested them to be added.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for a Chase card by clicking an offer for XXXX miles with XXXX if I spent $ XXXX in first 3 months. I met this requirement in first month. Then Chase said they would n't honor the XXXX miles. I have never received an explanation why, just told it was not applicable to my account. I asked Chase to honor it and then was told there were no offers like the miles offer available. I responded that there was a XXXX offer on the same card right now. Chase affirmed this offer existed. Still Chase offers no explanation why the first offer does n't apply to me, nor do the explain why the current offer ca n't be substituted so at least they can partially honor the original offer. <P/>This all started about 6 weeks ago. I cancelled my previous credit card and moved some reoccurring charges to Chase card. I feel they put the original offer out there to get people pulled in then somewhere they hide clause that must negate the offer. I have no idea what more to do after several emails back and forth with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Medical) with AmeriCollect (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: My father and I both have been members of USAA, for over 25 years. Approx.. 2 years ago my father recognized his inability to care for himself and manage his responsibilities and chose to come live with me. In exchange for his living with me and my providing full-time care, we agreed to live off his retirement. I was made his power of attorney and also the executor of his estate. 
My father 's XXXX became progressively worse. His XXXX became prominent. 
In mid XXXX ( 2015 ), while attending to his bills by phone with USAA, they told me that he had " revoked '' the POA. My father never informed anyone of this. Unfortunately, XXXX XXXX, 2015, my father passed away. I do know that my father 's attorney stated that he could not make any changes to POA, as my father was now out of state. And, POA 's need to be changed through an attorney, witnessed. A USAA representative, XXXX XXXX, claims that he could and he did accept my father 's request to revoke the POA over the phone. XXXX XXXX also claims that my father informed him that he was not responsible for any debt in his name, and that I had created his debt without his permission and was using his credit cards without his permission. None of this is true. Without ever contacting me in regards to any of this, USAA, began closing my accounts. 
I was initially told by XXXX XXXX, that if someone could corroborate my claims, things could be reversed. My brother, did speak with XXXX XXXX, but nothing changed. Then XXXX XXXX, assured me a letter from my father 's physician would reverse the actions. XXXX XXXX, and USAA have been provided such a letter. They do not confirm receiving the letter much less take any action regarding repairing the damage. They refuse to discuss anything with me. I live out of country at this time, and I have no way to open new accounts else where, for banking, insurance, investments, etc. Not to mention all of my bills are now behind, and considered past due. I am sickened by all this, not to mention it is in the middle of mourning the death of my father. I have been a good standing member of USAA for over 25 years, and now this. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I got a copy of my credit report after being denied credit and found a collections account which I did not know existed. The account on the report is from XX/XX/XXXX for a balance of {$1000.00}. I have not received any information from them or the company collection is for : XXXX XXXX XXXX XXXX. I made a phone call to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XX/XX/XXXX requesting paperwork on the original debt because I believed that the debt may have been covered by Insurance. They both promised they would send paperwork on the visit and the debt but I never received anything, and the collections company is still calling to collect the debt. Also in about XXXX when I got the credit report I filed a dispute with experian, and they reconfirmed the debt. On XX/XX/XXXX I called the insurance company, XXXX and they said their records show all claims paid to XXXX XXXX XXXX, called back XX/XX/XXXX and was told they have no record of the debt. All I want to do is get the information on the visit, the billing to insurance and determine if I actually owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation