milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Using a debit or ATM card

Complaint: My complaint is with U.S. bank cardmember service XXXX N D.XXXX.Person resolving this matter name is XXXX cardmember service rep. Her contact number is ( XXXX ) XXXX Fax XXXX.On XXXX/XXXX/2015 I XXXX XXXX was only to have a debit transection of XXXX dollars to be taken out of my visa card, not XXXX dollars.The company that took the XXXX dollars name is I PASS. On XXXX/XXXX/2015 U.S.Bank card member service refunded my account in the amount of XXXX dollars here is copies of all my documentations. Now U.S. Bank.card member service is saying I did make the XXXX dollars transection when I did not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I was misled on this card. I was originally told by the rep at the XXXX XXXX location of Gap, XXXX XXXX XXXX Ph # XXXX that there would be no charge on this account and that I was simply just signing up to get a discount. After I realized this was n't the case I called Gap and they submitted an official complaint and I was told that I would hear something from them. I never heard from them. " XXXX '' gave me confirmation # XXXX. When I tried to call back, they had no clue what I was talking about. I talked to " XXXX '' she was not aware what I was referring to. After I spoke to the supervisor they explained that there was a dispute but they could n't answer anything for me. I asked if they could transfer me directly to XXXX but they said they did n't know then and the confirm # was not going to help. They transferred me to another Customer Service rep who was transferring me to a supervisor. I waited for around 20 minutes and then was handed to supervisor " XXXX '' ( XXXX ) who said the dispute was not in my favor. I asked why the dispute was not in my favor and he said he did n't no. 

Also, I did receive the card, but I never got anything in the mail from them after that. No bills, no late notices, nothing.

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 05/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX AAdvantage miles to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fee of {$30.00}. Now, after opening the account with the promotion, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$30.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified 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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, XXXX, my wife and I purchased into XXXX XXXX in XXXX XXXX. They insisted on a down payment and suggested we apply for and use a XXXX XXXX XXXX through Barclay Bank. On XXXX XXXX, we realized that XXXX did not deliver on their promises so I called Barclay and disputed the charges of {$3900.00}. I explained that I purchased a product/service from XXXX and did not receive what was promised. Barclay recorded the dispute and I got a letter from them stating that they would be investigating the dispute, on our behalf, and issued a credit for the charges. I also told them that an automatic monthly payment to XXXX was scheduled on this XXXX and that they needed to stop that too. They said they would. 

I never got my card from XXXX and in XXXX, I got a bill from XXXX with the charges put back on along with the XXXX payment charged to the card which not put me over my credit limit. I called Barclay again and XXXX, Dispute Advisor, said that I was misinformed because there is no way to stop an automatic payment schedule and that I would have to close the account to keep further payments from charged to the card. So I did that. Then he said he does n't understand why the charges were put back on the card because he does n't see that XXXX responded to their inquiry. So he said he would resubmit the dispute and that I did not need to worry about making any payments. Keep in mind that I still have not gotten my card and I have not used it at all. 

I get another bill with interest charges, a late fee, and an over the limit fee. I call them again on XXXX. I talk to XXXX this time. She says XXXX did respond and showed my signature for the original charges. I explain to XXXX now that I did not receive what I paid for and that is why I am disputing the charges. She then claims that a questionnaire response was sent to me. I did not receive any other correspondence from Barclay. She said she would send out another one and to give it 10-15 days. I still have not gotten the document. 

Last week, got an email alert that my credit score has gone down because Barcley reported a delinquency to XXXX. I called Barclay today, XXXX and they informed me that their computers are down and that I need to call back tomorrow. 

I have spent several hours of my time on this issue with Barclay that I will never get back. I am a XXXX XXXX XXXX and my wife works for a XXXX and this experience shows Barclay 's  nonexistent customer service. I just want our credit restored, these charges removed, and this matter be put behind 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 monetary relief
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America ( who gave me a mortgage loan 2.5 years ago ) keeps sending refinance offers with outrageous claims about saving money. 
Their claim : Refinance at a slightly lower rate and save {$4300.00} per year. 
They fail to mention that the extended term on the new loan will increase the total of payments by {$10000.00} under the terms of this advertised refinance offer. It completely fails, in every respect, to make a honest attempt to save me money. In the fine print there 's a statement : " ... you should carefully consider the potential increase in the total number of monthly payments and/or the total interest charges paid over the full term of the new refinance loan - especially for borrowers who currently have loans with terms less than 30 years. '' This is essentially everyone and is an obvious legal maneuver to avoid responsibility for this ridiculous offer.

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 03/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My consolidated federal student loans were recently purchased by a new servicer : Navient ( XXXX ) After a few months of regular, automated payments consistent with my 20-year level repayment plan ( started in XXXX ), I received an email saying that my payment would change ( it was reduced by more than half ). Upon logging in to the website I observed that Navient had changed the terms of my loan repayment to extend the loan until XX/XX/XXXX. Prior to the change, I was scheduled to make the final payment in XXXX XXXX. Upon calling Navient, they were unwilling/unable to tell me whether the change in payment plan would result in me paying additional interest on the loan. There is also no information on the website detailing the full amortization of the loan ( previous student loan servicers have provided such information ). 

Because Navient refused to provide the information I was asking for, I requested that they change the payment plan back to the original terms. I do n't believe that a student loan servicer should be able to change such terms unilaterally ( especially if it will result in a greater cost to the borrower, which is my suspicion in this case ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XXXX XXXX, 2017, I sent a certified letter to GM Financial, for account # XXXX under XXXX and XXXX XXXX, in regards to verifying an additional fee added to our bill in relation to a debt collector by the name of XXXX XXXX XXXX XXXX. The certified letter requested validation under the Fair Debt Collection Practice Act to provide evidence bearing my signature from debt collection, which GM Financial decided to pay without validation and is now charging me for it. GM Financial stating that fee is valid due to an itemized statement from debt collector which is not a legal documentation without a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I became a victim of identity theft during the beginning of XXXX 2014. My drivers license, XXXX 's and personal information was taken from my mail box. As a result I reported this information to the IRS immediately. The IRS gave me steps to take which included contacting all XXXX credit bureau 's to add fraud alerts to each credit agency and to freeze my credit due to identity theft. These steps were taken with each credit agency. This became a problem because the credit agency 's still allowed individuals access to MY CREDIT REPORT in which they added an enormous amount of fraudulent information. I stressed to the credit bureau 's not to let anyone into my credit report without a pin but I was told that someone had called pretending to me, so the credit agency 's gave him a pin which allowed them to add more fraudulent information. I will have to go through disputing items on my credit reports repeatedly. My credit reports started turning into open books of fraudulent information that was totally unrecognizable to me. The credit bureau 's would promise to fix everything and not to contact anyone about this, but it did n't happen. The last time I saw my credit reports were in XXXX 2014 because the information on them was fraudulent. My CREDIT SCORE at one point were in the XXXX and in XXXX 2014 they were extremely low. People still continue to go into my credit reports and report fraudulent information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX WAKEFIELD & ASSOCIATES posted on my credit report a late payment and collections account. Never recieived a phone call or letter from them for XX/XX/XXXX until XX/XX/XXXX when they reported to credit bureau. On XX/XX/XXXX I faxed a letter to verify the debt with them. On XX/XX/XXXX called and verified they had received my fax and it would be a week or 2 before they would be sending out verification. They stated they are having issues getting information to verify my debt with the original party. Contacted XXXX XXXX XXXX/XXXX the original party and they have no account for me by name or ssn.

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 12-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I two checking accounts with BANK OF AMERICA. I have tired to close one of my core checking accounts ending in XXXX for months now. BANK OF AMERICA and it 's agents refuse to close this account. I have called the customer service line, as well as physically going into the branch and still to no avail. I was told they could not close the account because the account was negative at first. I bought the account to a positive status XXXX/XXXX/XXXX. I called and spoke to one of BANK OF AMERICA agents and requested the account be closed that very day. The agent advised me the account would be closed. I was lied to and the account is still open and now negative again. BANK OF AMERICA made an automatic transfer of {$25.00} XXXX without my authorization to my savings account and now the account is negative again. I spoke with BANK OF AMERICA agent XXXX in their New York call center XXXX/XXXX/XXXX and demanded the fees returned and this account closed. XXXX spoke with her manager XXXX and was advised they will not refund the {$25.00} nor close the account. I was told by XXXX that I would have to eat the cost of {$25.00} in order to close the account. How fair is that to me the consumer?

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 02-05-2018 about Debt collection (Credit card debt) with Diversified Consultants, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: told diversified consultants to quit calling, and they keep harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in the states of XXXX, or XXXX or XXXX XXXX in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

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 10-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rash Curtis and Associates (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Rash Curtis & Associates about a debt owed to XXXX XXXX XXXX. I informed the person I was speaking to that the debt was paid. The representative of Rash Curtis refused to confact XXXX XXXX to confirm payment even though I provided them with the time and amount of payment. Instead Rash & Curtis threatened me by saying that they will report what they believe to be my lack of payment to credit reporting agencies. I continued to tell Rash & Curtis that the debt was paid when the invoice was received. 
I spoke to another employee of Rash after realizing that the first employee was not interested in helping me resolve the matter. The second employee of Rash was also rude and disrespectful. While I understand that they are dealing with people who have not paid bills, in this instance the bill was paid. 
They are terrible in terms of their treatment of people and are not looking to help find ways of resolving issues. They refused to confirm with the originator of the debt that the debt was paid. It was n't until I spoke to a manager that I found someone willing to help resolve the matter. I called the place where the debt originated and they confirmed payment. Weeks later I received notice that Rash was able to confirm payment 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 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Last XX/XX/XXXX Walmart XXXX closed my account based on a payment taken from an account that was closed! I have never made a missed or late payment! There was a glitch in the system when I made a payment and it was sent back! Walmart has not as of yet assisted me in deleting this closed account from their system! In fact, this has impacted and negatively affected my credit report! Other lenders are viewing this report and are decreasing my credit because of this report! This is against the fair credit act! Please help!!!

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 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XX/XX/2018 File # XXXX Wells Fargo I gave XXXX  copy of application that Wells Fargo gave me. The application had a different middle initial than mine. XXXX  have been given proof that the account is not mine and still will not take it of.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX XXXX XXXX acquired the mortgage from XXXX XXXX. 

On XX/XX/, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is my husbands debt. He put this utility in my name, but I was not workings at this time. We are going through divorce. And he stopped paying for this one because it was in my name. He stopped paying for the electricity since our divorce action has begun. Which is the end of XXXX 2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt In XXXX, It still went on my credit report as unpaid even after I paid it in full, I contacted the credit collection and they removed it, however, they still continue to send me notices and put it back on my credit report as a debt. I have contacted this agency more than once, I have also submitted proof of payment, which is attached, my bank statement showing the payment in full, back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: APR or interest rate

Complaint: I applied for a Citi AAdvantage Platinum Select World Mastercard XX/XX/2016. I received my approval notice and initial disclosures dated XX/XX/2016. The disclosure indicates that I have an introductory APR of 0 % for 14 months, so when my first payment was due XX/XX/XXXX, I only made the minimum payment of {$45.00}. On XX/XX/2016, I was charged nearly {$55.00} in interest on the remaining {$2900.00} balance. I contacted Citi via online message, and they messaged me back that the charge was valid and they 're not refunding my money. I checked my disclosures at home and called them, at which point they told me the 0 % offer was not on my account ( despite the paperwork they sent me saying the opposite ). They told me that though I applied under offer terms including 0 % introductory APR, they are allowed to approve me for the product but apply different terms than what I applied under. They said they will open an investigation that will take 14 to 30 days to conclude and falsely told me that since I paid off the entire balance ( including the erroneous interest ) today, I would incur no further interest charges. Though my current loss stands at {$54.00}, because of the way credit card interest works, I will be at a further loss by the time their investigation concludes.

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