milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MI).
Issue: Managing the loan or lease

Complaint: In XXXX 2015 I received a bill from Macys for a balance of {$50.00}. along with a {$2.00}. low balance fee. The closing date for billing was XXXX XXXX - then they processed the bill and mailed it to me. I got the bill on XXXX XXXX and wrote a check and mailed it to them on XXXX XXXX. They said it posted on XXXX XXXX - well in advance of the XXXX XXXX closing date. I received another bill for {$2.00}. in XXXX for a low balance fee. I called and they said that even though I paid in full, ( balance + fee } in advance of the closing date - they are legally empowered to charge the additional {$2.00}. fee. I asked if they planned to charge an additional {$2.00}. fee on the {$2.00}. they had sent the XXXX billing for and they said yes, because the {$2.00}. fee represented a " balance '' and a low balance and because it was sent upon the closing date - and there are days in-between when it closes and they mail it and they receive payment - they can legally do this. I countered that that was kind of nuts - that the {$2.00}. fee could result in perpetuity, a never ending {$2.00} fee ... They said that I should have paid the entire balance in full and this would n't be happening or an ongoing issue. Needless to say, I closed the account - after insisting they waive the fee. I just wanted to file this complaint in order to let you know that they are doing this - and am questioning the legality of it. If truly seems to be taking advantage of customers and the spirit of their recouping fees for low balances, by creating a situation that in essence, continues to create new low balances - by adding this fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Transaction issue

Complaint: I made an online purchase with a merchant and I did not receive what I ordered. I tried resolving with the merchant ; with no success. Then I disputed the charge with my credit card company to pay the merchant and credit back my card. My credit card company would not submit my request because I did not have computer screen shots of the online order.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, because of insufficient security safeguards, Equifax announced that they allowed my personal information, credit report, and possibly my credit card numbers to be accessed illegally by third parties. They have set up a site to verify that you are a member of the effected class, and I have confirmed that I am a member through this method. I declined to enroll in their protection program, because it would force me to waive my right to join a class action suit regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. 

My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. 

This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Subject : My lender ( Flagstar Bank, MI ) refused to terminate my Private Mortgage Insurance ( PMI ) after I meet all conditions. 
I sent letters, e-mailed and called the Flagstar bank requesting for my PMI waiver as early as XXXX, XXXX. But my request has been rejected because I saw {$160.00} of PMI was still charged on XXXX XXXX, XXXX. I meet all conditions : XXXX payments have been made since the origination date of the mortgage. 
No monthly payments were more than 30 days delinquent in the last 12 months. 
No monthly payments were more than 60 days delinquent in the last 24 months. 
There is no late charge My Loan to Value ( LTV ), calculated by dividing the current principal balance ( {$290000.00} ) by the lesser of the original appraisal amount ( $ XXXX ) or the purchase price ( $ XXXX ), is 65 % now, far less than required 78 % or less. 
Hence, based on The Homeowners Protection Act of XXXX ( the " PMI Cancellation Act '' ), the lender must terminate my PMI automatically on the date when my loan balance reaches 78 % or less of the original value of my home. But they refused to do so, let me know if you can help and the quote. 
Thanks very much for your time, XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank checking account in association with a XXXX ThankYou point bonus promotion. When I opened the account, I confirmed that the promotion code was linked to my account through secure messaging. When I completed the requirements of the offer, again, I confirmed that I completed the requirements and was eligible for the offer. I waited the amount of time they told me, and when that time elapsed, I inquired again about the posting of the XXXX point bonus to my account. At that time, they said I was ineligible and denied me the bonus.

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I beleive I have been falsely denied a discover it credit card with a minimal {$500.00} credit line on XXXX XXXX, 2018

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX, XXXX # : XXXX. Please remove all non-account holding inquires, all addresses except my current address of XXXX XXXX XXXX XXXX, IL XXXX. These aliases reported are not my names and need to be removed : XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged bank acct wrong day or amt

Complaint: The lender Cashnet USA explained that the payments based on my credit line would be {$95.00} per week. The first 2 payments were {$95.00} then increased to over {$230.00} per month. I tried to contact them to discuss but was on hold for over 2 hours. Also request a call back. I received a call back in 10 minutes ans was put into an automatic voice recording and on hold for another hour

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (OH).
Issue: Money was not available when promised

Complaint: i wired coinbase XXXX XXXX and they are confirmed sent by my bank and never received or sent back by coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Payday loan () with CURO Intermediate Holdings (KS).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage continues to generate incorrect monthly statements on my mortgage account since XX/XX/XXXX. Nationstar mortgage refuses to correct this issue and advises me to disregard the incorrect mortgage statements. My monthly mortgage statements do not reflect information on Nationstar 's detailed transaction history, which makes it difficult to properly track my mortgage account history. 
I filed a prior complaint with the CFPB, complaint # XXXX, which states that Nationstar has been charging me more than a 4 % late charge fee. Nationstar completed an investigation and found no errors and to be within legal compliance. Nationstar refers me to their " internal system of records '' as evidence to support their claim of " no wrong doing ''. My monthly mortgage statements from XX/XX/XXXX-XX/XX/XXXX clearly show late charge fees over the 4 % allowed by law. 
On XX/XX/XXXX Nationstar waived a late fee of {$100.00} this appears on my XX/XX/XXXX mortgage statement as XXXX separate fees being waived of {$50.00}. This is clear evidence of Nationstar 's illegal billing practices, when it comes to compounding/pyramiding fees. Nationstar is billing XXXX late fees, disguised as XXXX total late fee. Additionally if my account has been current since XX/XX/XXXX, Nationstar removed {$100.00} from my account on XX/XX/XXXX and XX/XX/XXXX. Where did the funds come from to cover these fees, if my statements do not reflect an additional unapplied funds balance? 
How can Nationstar conduct a proper accurate investigation on my mortgage account, if they are providing false and incorrect mortgage statements? These statements clearly do not match Nationstar 's " Detailed Transaction History '' that they are using as evidence to dispute any errors disclosed to Nationstar!

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have attempted on numerous occasions to correct my student loan status on my equifax credit report but i can not access the account on line and via phone does not work either. it shows that i have been late on XXXX student loans and i have never been late on a student loan. the loan was transferred to another servicer. it has been corrected on XXXX, but equifax is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: same creditor information on my report twice. its the same account but listed twice on my report. when dispute they keep saying account has been verified to be yours and accurate. I 'm not disputing the account is mine, I am saying its the same account on there twice. same start date and everything have asked them to remove duplicate several times and they keep saying the same thing also will not remove outdated information. I have several accounts that are past the drop off date ( date of last payment and date of last activity is past 7 years and have requested that they be remove from credit file and keep getting the same response. this account has been proven to be yours and information updated. again I am not disputing it was mine but that it is past the drop off date and I request it be remove from file. I have had a REAL problem with Equifax when it comes to removing incorrect information, outdated information and information to drop off. also I sent them a money order that stated the creditor agreed to remove negative information from credit report once money order is received and cashed. it is written on the money order. the creditor received and cashed it and the item is still listed on my credit report. I included a copy of the money order with the dispute and received the same reply each time. this account has been verified to be yours and has been updated. again I am not denying that it was my account but that the agreement was to remove it from credit file was money order was received and cashed and it was. I do n't know if they see multiple disputes from the same person and just send an automated response, but what I do know is that my request are not being addressed. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Address is not correct. some information is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My ex-girlfriend opened this account while we were together, without my permissions, using my social security number and date of birth. I was home at the time, and she had gone to the XXXX store she worked at. XXXX ( the company alleging I owe this debt ) had a sales rep at XXXX stores at the time, and this is how she signed up for XXXX service in my name, using my information, without my knowledge or permission. 

I noticed the debt when our relationship ended and I moved out. I disputed it, and submitted as evidence the surveillance video of the XXXX store on the day and time this account was opened, showing that I was not present at the time. 

I submitted a written notice of dispute to XXXX in XXXX 2014, and alerted the XXXX credit bureaus. After submitting evidence, it was settled and removed from my credit reports. 

I 've just received a collection letter from Enhanced Recovery Company , LLC, alleging that I still owe this debt. This is unfair debt collection practice as this debt was determined to be the result of my identity being stolen.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This company called XXXX XXXX say I have a open account with Capital One. There is another company who is handling this case I filed Bankruptcy in XXXX the account XXXX XXXX has was discharged chapter XXXX I do owe Capital One money but not from XXXX XXXX that credit card was paid off or discharged

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained and reviewed a copy of my Equifax credit report. There was a Hard Inquiry on  XXXX   XXXX ,   XXXX   made by  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX . I have not applied for credit from  XXXX  and I am unaware of any accounts with them. I sent them a letter on  XXXX   XXXX ,   XXXX   to the above referenced address requesting they provide me with documentation showing they had a right to make the  Hard Inquiry.  The letter was returned as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: I applied for credit at Synchrony Financial in 2011 to purchase a SONY camera. My credit is/was about XXXX. Synchrony Financial gave me a credit card with 29.99 % interest.

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 10-02-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to modify my loan with Bank of America. However, they have filed a lawsuit for a " relief of Stay '' so that they an start the foreclosure process on my house. They filed this lawsuit without offering me a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Non-federal student loan) with ACS Education Services (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a student loan that was cosigned by my grandfather. XXXX XXXX on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : " Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from XXXX XXXX. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. '' Someone from XXXX XXXX had spoken to my grandfather around XX/XX/XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: My Best Buy Credit Card, was transferred over from XXXX to Citicard in XX/XX/XXXX. I have contacted Citibank in 3 different occasions, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid the annual dues for the account and my account was confirmed to have a XXXX balance on a recorded line. I just had another call today XX/XX/XXXX at XXXX were they reconfirmed my account has a XXXX balance. However my credit report shows a delinquent account from Citibank Best buy account, they have told me that this would be removed since XX/XX/XXXX and it has n't, they do not want to provide me with written proof that i have a XXXX balance or that my credit report has been updated.

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