milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was erroneously charged multiple fees to my Macy 's store card account beginning in XX/XX/XXXX ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my Macy 's account in XX/XX/XXXX, or at least I was under the impression that I had paid off my account ; however, due to Macy 's billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX. The first fee I incurred was on XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On XX/XX/XXXX, I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On XX/XX/XXXX I was charged another late payment fee in the amount of {$37.00}, and on XX/XX/XXXX, a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees. <P/>I was finally notified the week of XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called Macy 's store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to Macy 's reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

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 12/20/2017 about Debt collection (I do not know) with IMMEDIATE RECOVERY GROUP, INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: a phone number has called me and my family and my JOB saying I am being investigated and will be served papers and a complaint will be filed in my county ( which nothing has been filed ) I called the number back to ask what the name of the company is and they would not tell me who they are. All they said is they are the division of processing and kept asking me for a case number. She refused to give me a company name. I do receive threatening call like this all the time. In the past I paid two loans off and it was to a scammer instead of the proper people. It seems I am on a list forever and ever now of con artist trying to extort money from me. XXXX XXXX has also contacted me threatening the same message.

Company response to consumer: Untimely response
Consumer complaint received 10/29/2016 about Debt collection (Credit card) with Advanced Call Center Technologies, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problems caused by my funds being low

Complaint: Hello, I am a customer of Wells Fargo. I had XXXX accounts with them. I opened a second checking account with them when I found it would work better for my family. When moved over to that account, I was suddenly hit with a ton of overdraft charges in the other account. I wrote an e-mail to them, and the account was closed. I thought that was the end of business with that account because it was all fees that over-drafted the account. So, I moved money to my savings account the other day. It was automatically taken out to pay for the other account. I never received any documentation saying I owed them money, and I counted on that money in the saving account to pay my property taxes. I just think closing that account and not telling me that I still owed them money was wrong. I have legal insurance and will seek help from an attorney. They should have at least sent me a bill. What they did was wrong and unthinkable. As I said, a simple bill would have sufficed. I will try to move all of my accounts from that bank. I thought they were over the bad practices, and I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i made last payment on loan XXXX XXXX i was later notified by family member XXXXthat World Finance had contacted them looking for me. I contacted XXXX and was told that I owed them {$15.00} dollars. I REGULARLY RECEIVE MAIL FROM THEM. Why did n't they contact me? My obligation for that loan was taken care of when imade last payment. It is showing on my credit reprots bas paid and also a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a Debt from AR RESOURCES INC {$260.00} DEBT WAS DISPUTED. RECEIVED A LETTER FROM THIS COMPANY. 
Please be advised that your above referenced account has been closed in our office. 
AR Resources, Inc. will notify the credit bureaus to have this account removed from your credit report. 

I checked my XXXX credit report and this is still listed on my credit report. This was disputed with XXXX and they advised that it was verified. How can this be verified when AR Resources has advised account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I spoke with XXXX XXXX. XXXX XXXX asked me had I received my evaluation letter in the mail dated XXXX XXXX, 2015. I indicated, I had not received such correspondence. Nevertheless, XXXX XXXX indicated the evaluation letter was to inform me that I was denied the opportunity for a home loan modification based on my current monthly salary of $ XXXX ( gross ) and $ XXXX ( net ) ; in addition, my monthly expenses exceeded my net income - and in order to qualify I had to have at least a {$300.00} a month cushion between expenses and net income. When I inquired to XXXX XXXX how BoFA derived at the figures for expenses as well as the income, she was not able to provide me with an answer. She indicated I could appeal the decision - and she would reach out to me on Tuesday, XXXX XXXX to share how the figures were reached. Please be advised I sent BoFA an expense sheet that totaled {$4500.00} in expenses and find it odd that they have expenses that are much higher. On XXXX XXXX, 2015 I went to the mailbox and noticed the evaluation letter dated XXXX XXXX, 2015 as XXXX XXXX indicated, however, the letter did not indicate why I was denied and immediately stated, while I was not eligible for the home loan modification, I was eligible for a short sale or a deed-in-lieu. Well, in early XXXX 2015, I was told by BoFA that the home loan did not qualify for a short sale. This BoFA home loan modification process is repetitive and contradictory to say the least. I am seeking a home loan modification based on the submission of my monthly expenses being {$4500.00} or less.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for this product online and this is what I agreed to. XXXX XXXX XXXX # XXXX There is no annual fee and there is supposed to be a spend promo at {$500.00}. I contacted capital one on XX/XX/XXXX regarding fee and they stated its a part of the terms of the account and I was provided an address to send a letter. I also mentioned the fee of {$39.00} in comparison to a credit limit of {$300.00} seemed excessive and was told its a part of the terms of the account. 

Then on XX/XX/XXXX I contacted them to see how far away I was from the spend promo of {$500.00} and was told this did not apply to my account. As you see from this link this card should not have an annual fee. I applied online but had to call in to approve the application and did not request any changes. Their customer service is of little help and they are XXXX bent on saying I approved this fee when i did n't and this offer does n't apply and no other explanation. 

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delaware XXXX phone XXXX last 4 of ssn is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Other fee

Complaint: I have an Citi Dividend card. expired on XXXX. XXXX 2015. Last year i used this card to subscribe an subscription for a year. The subscription service was supposed to terminate in XXXX 2015. Anyway they charged the subscription fee last year. But subscription service provider automatically renew my subscription and tried to charge {$250.00} from my card again. I did n't know it because i was out XXXX at that time. Also At that time the card already expired. they issued me a new card with the same number. I never activate the new card. The credit card still let the charge go through. I did n't know there was balance on my card and never received any notice from the credit company. One month later when I came back, I miss the payment deadline 5 days. I had been charged {$250.00} plus {$25.00} late fee and {$4.00} interest for it. I immediately paid it to avoid more interest. the statement shows XXXX balance. Next month I used the credit card a couple of times, and I paid the balance on time. When I checked the statement online, I found they charged me a big piece of interest again. And the interest is not only from the {$250.00} but also from the balance i used after my previous payment although i paid in full on time that month. That is ridiculous and not honest. The total interest and late fee charge is about {$83.00}. Also I called the subscription service provider they canceled the service for me and issued refund for me. But the credit company hurt me a lot. Let the charge go through even I did not activate the card. And they tried hard to charge interest and late fee on it even the original charge was not placed by myself. I would want all my interest and late fee back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I am a victim of ID Theft and after a thorough review of my credit file and hiring a company to assist me with it, I noticed multiple hard inquiries on my credit reports that were not valid, nor had I given them approval to run my credit. One of the companies was Synchrony Bank/Amazon, headquartered in XXXX, FL. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. They received the letter on XXXX XXXX, 2015 and to date, I have not received anything from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing this complaint against Amazon and I am praying that the CFPB can and will assist me in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is in relation to cfpb # XXXX. As i have made every effort to resolve my issues with erc in relation to the account that had been missused by my former roomate. As stated in the provided documents the deletion took place on approx XXXX, XXXXhowever it was re inserted 2 days later ( with no 5 day notice from Transunon ) this was apperently because i disputed thus it was re inserted having learn this was not the proper thing to do. After being made awere of this I stop the dispute process after the last correspondence with cfpb in relation to case XXXX on XXXX with the assumption the account will be removed from the tradeline as it has been with the cra both XXXX and XXXX.In addition a certified letter with the documentations has been sent to Trans union signed for on XXXX. This has gone on for over 30 days with no resolution in sight thus this action to the CFPB. I hope after the review of the clear intention to be remove the files dated XXXX XXXX AND XXXX XXXX BY XXXX, but it still remain on transunion tradeline causing me to spend much time and effort for something thats prety black and white.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Equifax on 3 different dates to remove inquires on my credit report that i did not authorize which would be fraud. I have asked them to validate these inquiries according to FCRA. They have not. These inquires are from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away 8 years ago. I recently assumed the mortgage. Nationstar has not corrected the name on the mortgage and has n't sent me a correct XXXX. I 've received a XXXX that has no numbers in the interest paid field. My name is incorrect. So far, I 've received 3 different XXXX forms-none of them are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I sent my student loan payoff amount in the form of checks to NAVIENT. I sent 9 checks to repay my student loan with an overage amount because I refinanced and the title company made them out for a previous month 's payoff. I instructed them on how to apply and its over a month and they have only applied two small checks. I 've called multiple times and they keep telling me to check online. All the checks were in the same envelope and I do n't understand why they ca n't apply my full payment even after multiple calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with Alliance Data Card Services (UT).
Issue: Forbearance / Workout plans

Complaint: I had fallen behind on payments on my XXXX card ( Comenity Bank ). In XX/XX/XXXX they offered me a 1 year hardship plan. Monthly payments would be {$40.00}. After 3 months and 3 months of successful payments, they said my account would reported as current and all previous late fees would credited to my account. I agreed to the plan, and made successful {$40.00} payments in XXXX, XXXX and already made XX/XX/XXXX 's payment. 

Today ( XX/XX/XXXX ) I was contacted by them saying they made a clerical mistake when they enrolled me, and that I was never enrolled and that my account was 4 months passed due despite the payments I made. They acknowledged the clerical error, but told me they could n't fix it, all they could do is re-enroll me and that I 'd have to make a second XXXX payment. This is n't right at all, no desire to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On  XXXX   XXXX , I checked into the  XXXX   XXXX   XXXX  in  XXXX , GA. I was attending a   XXXX    regional meeting. The hotel charges were charged to, and paid by, the  XXXX   XXXX .     When I checked in,  XXXX  put a {$25.00} hold on a credit card issued by CitiBank.  XXXX  released the hold on  XXXX   XXXX .  Citi  refuses to take the hold off my card. They have told me their policy is to keep the hold on for 30 days.     I do n't owe  XXXX  any money.  XXXX  does n't claim I owe them any money.  Citi  has no valid business reason to keep the hold on. I have a credit limit. That credit limit is fully secured. Citi is at no risk, so they have no reason to maintain the hold. I would like it released.

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 12-05-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ME).
Issue: Settlement process and costs

Complaint: I co-signed a 30 year mortgage loan with XXXX for a friend in XXXX in the amount of {$170.00}, XXXX. 
A few years later I signed a quick claim deed because she said if I did not sign the quick claim deed she would default on the loan. 
She ( without my permission or knowledge ) re modified the loan in XXXX for {$110.00}, XXXX based on her income only because she was unable to make the payments. This modification decreased the amount of the loan XXXX and increased the years of the payment. 
She has remained delinquent in her payments. 
In XXXX of XXXX the loan was taken over by Carrington Mortgage Company. 
She has remained delinquent and to date owes XXXX in overdue payments. 
I want my name taken off the loan agreement. I have discussed this matter with XXXX XXXX to no avail. I have contacted XXXX and Carrington Mortgage Company with also no resolve.

Company response to consumer: Closed with explanation