milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
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 purchased a whirlpool cooktop from XXXX XXXX on line and all the parts were not in the box. I called the store that I received the cooktop from and the manager named XXXX told me that it was nothing he could do because I ordered it online. But when I called the XXXX XXXX  toll free number I kept getting put on hold. I spent three hours and made ten different calls to XXXX XXXX to resolve my problem. I never got anyone on the phone that knew what to do. I had to call XXXX to get the parts I needed and pay XXXX for the parts that where not in the box. Also the cook top has a damaged spot on it. As of today no one from XXXX XXXX  have return my call but XXXX at the dispute department at bank of American tells me there is nothing they can do I should take a loss or keep trying to reach XXXX XXXX. Every time I file a dispute with bank of America they always try to get me to drop my dispute. I may charge at least TEN times each 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 explanation
Consumer complaint received 05/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am a XXXX member. I received an alert that my credit score dropped XXXX points, because my utilization decreased on my XXXX XXXX account by 5 %, now historically when this happens my credit score rises by a point or XXXX. Immediately I called XXXX and Experian, of course XXXX did not accept any accountability in the matter and directed me to call Experian. I spoke with XXXX at Experian who stated it was a very complicated matter to explain and nothing further. I asked to speak with a supervisor, then placed on hold and told to leave a number and the supervisor would call back XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (FHA mortgage) with WR STARKEY MORTGAGE LLP (GA).
Issue: Application, originator, mortgage broker

Complaint: I was using an agent XXXX and they were telling me I needed to use XXXX with Starkey Mortgage to get my loan. I asked the agent why I had to use them and I was told that the loan officer pays their marketing costs. It sounded fishy to me.

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 08/27/2015 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Making/receiving payments, sending money

Complaint: I received a notice from my mortgage company, XXXX XXXX, that my mortgage would be reduced. Unfortunately, I did n't pay attention to the date of the change ; it was effective XXXX not XXXX, 2015. I paid XXXX, an amount that was {$1.00} short. I was notified by email that they refused the payment and that PNC Bank was notified that the payment was to be returned to me. That occurred on Thur., XXXX/XXXX/15. XXXX XXXX also notified me that a correct mortgage amount needed to be paid. I submitted that payment, {$1200.00}, on XXXX/XXXX/15. That money was removed from my account on XXXX/XXXX/15. As of Monday, XXXX/XXXX/15, my first payment was not yet returned. I contacted PNC and the XXXX XXXX. Both said they did not have my funds. At some point, PNC noted that a 3rd party vendor that processed online bill payments MAY have my money. I was told that I could initiate a dispute to help get the funds returned to me. I was also told to contact the 3rd party vendor. I asked for help in doing that by way of a XXXX way call, but was told they did n't have the capability to do that. After several calls, PNC dispute services told me that I needed to sign a " Written Statement of Unauthorized Debit ( ACH ) '' to verify that I was filing a dispute. I asked for the form to be emailed to me but was told it could not be, that I would have to wait for it to arrive my USPS mail or I could obtain it at the local PNC branch. I had already gone to the branch when this issue began and was not told about this form. I went to the branch in XXXX XXXX, VA for a XXXX time. I requested the form. I was told they did not have the form. I told them I had been directed to get it from them by the Dispute office. Again, I was told they did not have such a form. I left very upset. I called the Dispute office again the next day or so. The first think I was told was that it appeared that I had cancelled my Dispute claim. I emphatically insisted that was NOT THE CASE and that my money had not yet been returned. I also told them about my XXXX visit to the local branch ; they got the local branch on a separate phone line and directed them on how to locate the form for me. After all of this, the next day on XXXX/XXXX/15, I could see that there was a pending transaction for return of {$1200.00}, my XXXX incorrect mortgage payment. Meanwhile, a representative from PNC called, but I was unable to determine the name. I called the number left, but it was a main number. I was unable to contact the person calling since I had no extension. I did call the Dispute office and left a voice mail for the XXXX person I worked with most to say my money had been returned. WHAT A STRESSFUL and upsetting experience. ( I did my best to put these events in chronological order ; I apologize for any error. ) To date, I have not spoken to anyone from PNC that has expressed regret over this situation or to ensure that my funds were returned and accessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (I do not know) with Firstsource Advantage, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: FIrst source advantage has repeatedly called me about an " important business matter '' concerning someone who is not me. I have told them that I am not the person they are looking for and to stop calling me. They have not stopped calling and have called my work several times as well.
XX/XX/XXXX - 4 calls to cell phone ( XXXX, XXXX  XXXX, XXXX ), 1 call to work phone XX/XX/XXXX- 4 calls to cell phone ( XXXX, XXXX, XXXX, XXXX ) 1 call to work phone, also called my place of employments main number and demanded that the secretary give me a message

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Auto debt) with CJA Auto Sales, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cactus Jacks Auto- I filed a consumer complaint with the Departm ent of Arizona Emissions due to a vehicle that was sold to me and found out through this department that the emissions were not ever done prior to selling me the vehicle and I signed a document when purchasing that this was done. I have attached documents for verification. The balance due that is being reported is definitely inaccurate and when I disputed my credit card company for the down payment of this vehicle the company did not dispute it and I was refunded my down payment. There is a lot of elements in regards to this matter. This car more than likely sold through auction and there was a recovery of the amount due as well. Which I never received any documentation on what had happened to the vehicle after they had taken it back, which is usually the procedure after a car is repossessed. But this car was sold under the pretenses that it legally passed smog and according to the dealer the car could have caught fire if I had continued to drive the vehicle due to electrical tape wrapped around wires .

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Ever since I graduated college in  XXXX  I have been unable to pay the full monthly payments on my student loans without significant help from my family. I have made multiple attempts to lower my payments t o Navient,  but they are either unavailable or I have been unable to find them.   Either   XXXX   XXXX   or   XXXX   XXXX   I was unable to make any payments at all, and unable to find any option for deferral I stopped paying and went into default. Since then,  Navient ha s harassed me, my family members, my friends and my employers. I 've been told by Navient that they handle all debt collection in house and do no sell debts to deb t collectors, a  month later they sent me a letter telling me that they were  going to hand me over to a debt collector if I did not settle my outstanding debt, and 2 week s later they called me trying to settle and claimed that I was not being handed over to a debt collector. During that conversation I was also told th at Navient " does  not lie '' which was a flagrant lie.   Before going into default I had a single federal loan ( all remaining loans are private ) o n 3 separa te occasions I ( or my mother ) sent payments with instructions that they be applied only to the federal loan, all 3 times the payments were divided among all of my loans, so we gave up that strategy of paying off smaller loans first.   Trying to recall the litany of lies and harassment I have received from Navient/  XXXX   XXXX   would be impossible. I have receive d 8 robot  calls per day, every day for a week. They have called my mother, my brother, my father and my boss, and probably others. I get strange calls even now that sound like scams ( "  act fast  to take advantage of special student loan forgiveness '', that sort of thing ) and when I get past the recordings and speak to a human being, they hang up as soon as I ask who is calling. They do n't send me mail in normal envelopes like a normal business. Mail f rom Navient comes i n greeting card envelopes ( no return address ) with the address written in a font that looks kind of like it was written by hand, but they seem to have their printer o n color sa ver mode, because the dither in the printing and the faint scan lines give it away.   Dishonesty comes as naturally t o Navient as b reathing does for the rest of us. I once accused them of being run, if not by the   XXXX  himself, certainly one of his   lesser  XXXX . I stand by that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Medical) with AmeriCollect (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Hi I had bought furniture a year ago from XXXX XXXX and had promotional like if you pay off in one year there is no interest charged. After promotion is expired they charged me interest charged {$550.00} on {$1100.00}. I talked with them asked charged interest on my remaining balance but they said we are charging on whole purchased amount and now i have to pay interest for whole that promotional year. I do n't know why this is too much charged i have to pay. Please help me on this issued. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with Express Cash Mart Management (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX (XXXX) reported a 'placed in collection' balance of $XXXX to XXXX on XXXX XXXX, 2017.  

They reported the original creditor as XXXX XXXX XXXX of WI with an open date of XXXX XXXX, 2017.  I do not have a balance with this creditor.  This appears to be a 'new' balance, which resulted in a significant credit score drop.

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc.  Additionally, there was direct refusal to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX/XXXX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. The promotion was set to end on XXXX/XXXX/2016. Not knowing if I was indeed targeted for this promotion, I was not sure if my application might be approved. Hence I had confirmed via chat with a Citi Bank representative named XXXX on XXXX/XXXX/2016 that the application will be processed, and that I qualified for the bonus offer of XXXX XXXX points upon meeting the promotion requirements : Within 60 days, complete a purchase of { {$1000.00} } or more with your Citigold Debit card and perform XXXX or more bill payments for XXXX consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, a service request was logged by customer services to open an investigation ( reference number XXXX ). On XXXX/XXXX/2016, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. I am requesting Citi to honor the set promotion. If I was indeed not targetted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. Attached Screen capture of chat with Citi representative during my conversation before opening the account.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: im so upset there are address i never lived at on my transuion credit report that i never lived at i have tried to call there XXXX number with no help there are also thing on there that i did not do on my cards like XXXX XXXX XXXX XXXXr XXXX XXXX woman with in XXXX and few others i have lived at XXXX while XXXX XXXX some of these things have happend i am on XXXX and there is no way i can aford these bills why should i have to pay for something i didnt do thank you 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 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Poor DSL service was at a rental house I owned. XXXX service cancelled by occupant to obtain service from XXXX on XXXX XXXX, 2013. Bill in dispute was never sent to my home and was for services not provided by XXXX. I had no Knowledge of bill until XXXX contacted by recovery company. 
Service by XXXX - DSL service for this address was not my responsibility. Charges were dismissed by XXXX with XXXX and have now been filed by AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I refinanced some of my student loans from Navient ( originally XXXX XXXX ) using XXXX student loan refinance option a few years ago. I gave instructions on which loans to pay off because the interest rates are different and I did n't want to pay more interest through XXXX for certain loans that had lower interest rates through Navient, but was unable to control how the payment was applied due to the way that Navient breaks down each loan ( they use XXXX account number for all of the loans, and each loan has different interest rates ). Payment from XXXX ended up getting evenly distributed to each loan instead of being distributed to the specific loans I wanted to eliminate. I had intended on paying off the loans with the highest balances and highest interest, and wanted to keep the lower interest loans through Navient. Instead, the payment was applied to each loan, leaving me with a bunch of smaller loans ( each of which has interest that gets compounded daily, costing me more in the long run ). Having several small loans on my credit report inhibited me from being able to buy property because it appears to be too risky of an investment for mortgage companies. I also previously had a lot of trouble negotiating with Navient and XXXX XXXX when trying to consolidate, refinance, or change my payment option. They ended up talking me into deferment instead of changing my payment plan to a more reasonable/affordable amount. I was paying over {$600.00} a month total between all of the separate loans, and they said I did n't qualify to lower my monthly payments because each minimum monthly payment amount was relatively low individually. With XXXX loans total ( XXXX loans distributed per semester ), small payments of {$50.00} each adds up fast when you look at the figures as a whole. I saw in the news today that Navient is being sued yet again for their fraudulent practices and would like to share my experience in order to prevent more students from being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Unsolicited issuance of credit card

Complaint: In XXXX of 2016, my American Express card was hacked. I called and asked that myself and my family members be issued new cards. The person with whom I was dealing with on the phone was very difficult to understand. The American Express representative apparently changed the terms of my credit card WITHOUT MY CONSENT. The company made some of my charges " billed over time '' and changed the terms of my payment to " minimum balance '' causing me to rack-up INTEREST! If I want a credit card with interest as a component, I would obtain a low interest Visa card, not some random American Express interest. I have called every month since discovering this in XXXX. I have patiently explained that I do not WANT to pay interest. My account is on auto pay, and they are to draft the complete amount I owe each month. Each month the interest has been waived, I 've been assured it wo n't happen again, and it does. The last supervisor assured me the interest was waived and could not understand what I was upset about. When I asked if the actual settings were changed and this no longer would continue, she left me on hold and never returned. I remained on hold for an extended period of time. The issue does not seem to be resolved. They continue to charge me interest. I continue to call and they waive the interest. This feels like a XXXX XXXX situation where the company has put pressure on their employees to change the terms of the customer 's accounts for a bonus. Is that true? Why not investigate? I 'm sure there are many other customers on auto pay who do n't even know they ' re being charged interest by American Express. I think this warrants further digging by the CFPB. In a way they have issued me a new kind of interest generating credit card that I NEVER ASKED FOR!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX inquires on my Equifax Credit file that are older than XXXX months. For some reason, Equifax appears to have forgotton that inquries are only allowed to stay on credit files for XXXX month. The XXXX entries are : Quality Leads XXXX/XXXX/2013 and XXXX XXXX XXXX/XXXX/2013. When I last requested they be removed per Fair Credit Reporting Rules regulations, their response was the auto reply of : Response*Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. '' Both should be removed. I are not required to send additonal information for removal. XXXX months has passed. Consumer abuse such as thiis is a great example on why the Consumer Financial Protection Bureau was created.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX is calling several times daily to collect on a student loan. However, whenever I speak to them and tell them I am willing to pay, just not the impossible amount they ask for, they dismiss me or tell me too bad I need to pay. I have been referred by them back to citizen 's bank in order to lower a payment, who then refers me right back to XXXX. I have asked many, many times for a payment plan option of any kind to lower payments where I can actually make them, instead being told there is nothing they can do besides collect the full payment. This payment is about XXXX my monthly income, which is not possible for me to pay with other bills I owe. I have asked over and over for any sort of program to work on a payment low enough for me to pay, because again I am willing to pay ( as I 've stated to them ), but the amount they 're asking for is absurdly high relative to my income and they refuse to help at all.

Company response to consumer: Closed with explanation