milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: Citibank refuses to put the correct XXXX number on my bill every month. This month after spending a half a day trying to pay my payment, I found out that XXXX XXXX did not credit my payment of {$32.00} and now I have received a past due bill when I made the payment over the phone with XXXX. Citibank needs to be fined the maximum allowable by XXXX law for their lack of customer service and their refusal to spend the money to properly credit bills and install an automated system so payments are credited when paid and I do n't have to waste more time than it worth every month.

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 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XX/XX/XXXX; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

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 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Eos cca has my mailing address on file, but decided to send a debt owed letter in my name to a XXXX address belonging to my estranged brother in law. He thought i was having bills sent to his home on purpose. He opened the letter being that it was sent to his home and discussed my business of debt collection for a phone i paid the full liquidation balance that was owed to XXXX. Eos cca must have gone through my XXXX contact list in order to know who my brother in law is. I am disgusted the tactics that were used being that eos cca has my home address. It has made matters worse for my estranged relationship with certain family members. My business in no one elses business. It has caused me a great deal of stress and i plan on suing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with HMSV Financial Services, Inc. (CT).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home refinance through Connecticut Home mortgage. Connecticut Home mortgage merged under the Home Services Lending on XX/XX/XXXX. All my paper work and appraisals were done on time. The lender, XXXX, delayed the underwriting for over 3 weeks and now will not honor the rate lock. I need someone to resolve this. The mortgage company one month later wo n't issue a commitment letter or denial but I received a call that the will not honor the rate. I received a call from the Branch manager today, XXXX at Home services lending who recommended that I file a complaint with the CFPB to get the Bank to honor the rate lock.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
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: I disputed a charge of {$720.00} for carpet cleaning with Barclay. Barclay denied the claim without doing a reasonable investigation of the claim. The service provider for the carpet cleaning did not clean the carpets. I provided photo evidence that the carpets were not cleaned and an invoice from a separate company showing that I had to pay someone else to do the job. Barclay refused to consider this evidence and solely relied on the company 's assertion that the services were rendered. This is in spite of the fact that the invoice that the company provided notes that the work was not done. I did not accept the services, the company charged me regardless of that, and Barclay refused to research the matter appropriately.

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 06/17/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: RE : Santander BankWithout notice to me, Santander Bank closed my account XX/XX/XXXX and tookthe balance for themselves without sending me a check. It was only for {$.00}, but thisbank has a reputation for bad bad customer service and corruption. When I went to use the debit card to close out the acct, it was rejected. 

I want the monies refunded, immediatelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/14/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing disputes

Complaint: My accounts with XXXX and Walmart stores are both past due/ over limit respectively. Unfortunately, I 've fallen behind on them as well as other accounts not related to Synchrony Bank. The minimum payment due on each account is more than I can afford and have made payments, attempted to honor them, ended up having to place a stop payment on them in the past. The minimum payment due will have to be lowered some how, I can afford around XXXX a month. There are payment options offered when making payment on web-site, however, the amount ( s ) requested are no where near XXXX a month and or do not avoid any over limit fees or other 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 09/17/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Problems when you are unable to pay

Complaint: I was in an automobile accident, not my fault. The other driver received violation for running a red light at XXXX, totalling my car, which was paid off. Due to existing health issues, job loss and already battling a home foreclosure at the time. My credit score was not what lenders liked to see ( now I 'm starting to think maybe they do ) higher interest rates, excuses to take advantage and collect money. As I explained my situation to Toyota Finance, which I located them due to researching the same BMW x3 that was just taken from me. I arrived to see BMW x3, mind you I suffered a concussion and was badly hurt but I was pressed for time before I had to hand rental back over. After arriving at Toyota XXXX I never even seen the BMW X3 I somehow left with A XXXX Camry SE after putting XXXX down and leaving with a XXXX a month car payment. My foreclosure XXXX mortgage was XXXX a month which I explained, I did need a car and the sales guy was great but having no payment, car accident, and so on, I said that was high, he had said I could refinance to a lower rate in two three months. So I left, today I was denied auto refinance, car is behind about to lose it, I paid on XXXX XXXX They said I did n't and I thought at that time I double up on two more and I would be caught up. I also asked for them to please put a payment on back end, I said this is crazy, I 'm driving a car that i had to just " settle '' I was hit by a women who was being irresponsible and I 'm stuck with an outrageous monthly payment driving a car that reminds me of a terrible, frightening moment in my life that I was told to refinance in a few months. Coming up on a year XX/XX/XXXX since my accident, I 'm still driving car, credit shot, and dealing with everyday phone calls, and awaiting a repocession. I do what I 'm advised to do. I believe there is some confusion on last payment, I also tried to get a pay off and it is coming in over XXXX that 's insane I was told by another dealer and a state farm agent. I just ca n't understand how this is ok. Thinking back they had said good news, huge REBATE and he said sign here, I did well GREAT NEWS was n't for me, it was for lender. After I signed it was scooped up and I was told that 's not for you, for me. I was disappointed but they actedas if I was getting this great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I joined a gym on a monthly payment plan. When I put my gym membership on hold, they still continued to charge me. They have refused refund so when i disputed the charges with my CC company they said they would n't cancel the charges because the gym putting the account on hold was done as a favor. This was n't a favor though, since it was in my contract. I 've tried multiple avenues with the gym and with the CC company and do n't know where else to go for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Richland Holdings, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Never received a letter or called from this collection company. this collection company is breaking federal trade and fair credit reporting.I asked for consumer protection agency to look into this company practices with reporting accounts on credit reports without proof. this is a fraudulent account place on my credit report causing sever damage to my credit ration causing a decrease in my credit card from XXXX XXXX. I was called and notify that a collections was on my credit report and we have lower your credit balance from XXXX to XXXX dollars. Know collection company should be able to just add a debt on anyone credit report when its fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX from Big Picture Loans ( XXXX ). I initially thought I 'd be making a monthly payment to pay it off. Then I realized I 'm being charged {$700.00} a month for this loan and my pay off date is n't even until XXXX. I am expected to pay over 8000 on a XXXX loan. This is outrages and I have no way of paying this. Then when I went to " my account '' or whatever the page is supposed to be, it shows my pay off amount as {$0.00}. And it shows my application date as being today, XX/XX/XXXX, when I initially applied in XXXX. I 've paid {$1000.00} so far and am expected to pay {$700.00} more dollars this month alone. This whole thing is incredibly wrong and I ca n't believe I am involved in such a situation. I hope these thieves are stopped ASAP! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan servicer, FedLoan Servicing, took nearly two months from the time they confirmed receipt of my Income Based Repayment plan recertification ( XXXX XXXX ) to process my recertification ( on XXXX XXXX ). As a result, I have been billed for a " level '' payment of nearly twice my usual student loan payment. I confirmed on the phone with them that I made no errors in my application and that it was their inability to process the paperwork in a timely manner that has resulted in this large bill. They recommended I make the payment or receive a one-month foreberance. I do n't think I should have to pay extra, or extend the time until I reach my XXXX payments for loan forgiveness, due to their inability to process paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I  CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (I do not know) with Nationwide Intermediary Services llc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a number of calls from someone claiming to be from Nationwide Mediation services indicating they are an arbitration officers for a firm planning to file suit at the XXXX County court. They will not divulge the original creditor and have called various family members whom I have n't spoken to or seen in several years. They continue to call and when I return the call the number is either busy or does n't connect. I have received no mail or certified mailings or summons or have been served at my residence or business.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received a bill from XXXX after the cancelation of my phone in XX/XX/XXXX when I moved out of the country. XXXX had sent me email about the cancelation and some other promotions after the cancelation while still outside the country but never once a bill pending. The day of the cancelation I was told by XXXX that I needed to wait for the bill to be formulated, but I never received it. I was clear at explaining that I was no longer in the country. Now after revising my credit report I have a company CREDENCE RESOURCE MANAGEMENT claiming to have me in collection since XX/XX/XXXX.

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 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of Identinty Theft and had numerous inquiries, accounts opened in my name and wrong information on my credit profile with XXXX, XXXX and Equifax. Several of the accounts that did not belong to me were already in collections and reflecting on my report. At the advice of my attorney, I filed a police report showing that these accounts did not belong to me. Then I proceeded to dispute them with all credit agencies and provided the police report. Within 30-60 days both XXXX and XXXX deleted all accounts not belonging to me. Equifax removed several accounts with the exception of XXXX in collections which I have desputed several times and they still report on my Equifax profile. I have called several times and they claim the information was verified with the creditor. However XXXX of the other accounts they did remove was with the same creditor. I questioned why that account came off and the other XXXX didnt if they all belong to the same creditor. No one would give me a clear answer and simply suggested I submit another dispute. I have been dealing with this issue for 8 months and I am not getting anywhere with Equifax and they can not explain to me why XXXX and XXXX verified the same info and confirmed these accounts dont belong to but they cant do the same. This is causing undo stress and it is preventing my family from qualifying for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: At this time I 'm in a trial Modification loan with Chase that started XX/XX/XXXX ending XX/XX/XXXX when I tried to first check my Hamp status account XX/XX/XXXX it showed I did n't have a Hamp account.So I just went in on my regular account to make sure my payment posted and it did. On XX/XX/XXXX I went online trying to check my account to see if there were any changes and it stated " Issues with your account are limiting your access. Please call Customer Service at XXXX for more information. Or, find out how to resolve these issues online. Note : If you have a construction loan, please call XXXX, option XXXX. '' I called the XXXX number and spoke to XXXX, I did n't hear her name very well so I ask her to repeat her name, she got silent then said XXXX. I question why I could n't get in my account and she said because I am behind I can no longer access my account, I said I have never heard of that before, I 'm not trying to make a payment just want to review it, she said again I 'm not allow in my account anymore

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Payday loan () with Crow Creek Sioux Tribe (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I subscribed to a website that directed me to some lenders and this lender, Myloansite.com, sent me an email stating they approved my payday loan request. I logged in and i was directed to sign electronically some contracts online. I made a mistake and did n't read the little details on the contract such as interest rate which is around 650 % and it 's a rip off. This company operates like a XXXX and I read online that they 're not even licensed. Now, the amount is around {$1700.00} since XX/XX/XXXX and I told them I will never pay this amount to them. They can send me to collections all they want. This is scam and rip off. Please make sure such companies will not abuse consumers like me and advise how I can make payment to this company at a reasonable account to disappear from my record completely. Such companies use vulnerability of consumers like me and abuse with huge interest rate. They 're XXXX of loan industry.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my Trans Union credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL XXXX XXXX inquiries from my Trans Union credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.

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 10/29/2017 about Vehicle loan or lease (Loan) with PNC Bank N.A. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I traded in a vehicle to the dealership on XXXX/XXXX/XXXX so the co-signer on vehicle could obtain a vehicle in his name alone. I was not purchasing another vehicle at the dealership. I was told that the dealership would pay off the full amount owed to PNC bank within 14 days. I followed up with PNC bank on receipt of payoff. The vehicle was paid off in full on XXXX/XXXX/XXXX. I received documentation that the account was closed on XXXX/XXXX/XXXX from a local PNC branch. I also received a letter dated XXXX/XXXX/XXXX from the bank that the loan was paid off and they even refunded {$14.00} of a over payment. The account was updated on my credit report as paid off. On XXXX/XXXX/XXXX I became aware that the account was reopened. I was told by the bank that they " reversed '' my account on XXXX/XXXX/XXXX. The bank stated that the dealership told them it was paid off in error and they mailed a check back to the dealership. The vehicle was not paid off in error and I have a signed agreement with the dealership that they took ownership of the vehicle and it would be paid off in full. I have talked to XXXX different people at the bank who could not give me any answers as to why, 2 months after my loan was closed, the dealership was able to do this. They could not give me answers on how it was possible for someone else to reopen my paid off loan and who at the bank allowed this to occur. The account is still open while they investigate and they have not allowed me to report the account to their fraud department.

Company response to consumer: Closed with explanation