milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XXXX service call my cell phone misleading saying their where a financial bank offering lower rates already approve, run my credit report without my consent, found out cause XXXX send me a report about my already account. They offer 0 % for the remaining of my open account if I paid on time. Got credit card info and what they said is not true- is a introduction 1 year only and after it goes to whatever % credit card is offering and finally they charge {$990.00} for a balance transfer of {$2500.00} from XXXX XXXX XXXX Call to asking all the above and the supervisor answer with nasty words. When I said what their doing is fraud, and reporting to consumer report agency. Card that approve city simplicity the balance transfer said is happening more and more nothing they can do. I said you should requested XXXX with the person openning 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 explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax hack of 2017 where mishandling of my sensitive information and lack of proper security have led to my information being leaked to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX , Transunion, and   XXXX    continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    TRANSUNION   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: At the end of XXXX XXXX I called in to discuss my account with a rep who worked with me and stated that I would get credited the fees and interest that had been charged. I was reviewing the account and submitted a question on this last month but have not heard a follow-up on this. At that time I had interest charges on my account of {$22.00} and the credit posted to my account was for {$15.00}. I was following up on the additional credits starting on XXXX XXXX and have had numerous follow-up messages. Because of the credits not being processed this caused me an additional late fee of {$25.00} on XXXX and two additional interest charges of {$0.00} on XXXX and {$0.00} on XXXX. 

I am looking for a total credit of {$25.00} late fee plus interest charges of {$7.00}. 

I have sent approximately 8 follow-up messages on this issue and have had nothing resolved.

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 10/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: Dear Sir/Madam, I am writing to complain about the AMEX Platinum Card. Seeing the offer that spending {$3000.00} within the first 3 months I can get XXXX Membership Rewards points, I applied for this card in XXXX 2016. ( Detailed offer description image is attached. ) I spent {$6100.00} including {$450.00} annual fee, {$1100.00} refund which was a helicopter tour canceled by the agent due to bad weather, and {$20.00} XXXX gift card which I really sent to someone as a gift. Deducting these XXXX items ( {$450.00} annual fee+ $ XXXX {$20.00} XXXX gift card ), I still spent {$4500.00} in the first 3 months, which is much more than what the offer requires and I got XXXX MR points as soon as the third statement came out. ( Detailed statements for the first 3 months are attached. ) However, I was surprised to find that my MR points were adjusted for XXXX points on XXXX/XXXX/2016 without any notice from AMEX. I tried to call the customer service many times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. No feedback is given so far. 
I think I am definitely qualified for this offer and AMEX has no reason to take away my MR points. Therefore, I am hoping that AMEX can return the XXXX MR points that I deserved. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have an issue with there overdraft policy. I signed up to have to have overdraft protection. I had about XXXX dollars in my account when i overdrafted it with a XXXX dollar purchase. I had some pending charges which has been already taken out of my back account available balance. My account was positive when i over drafted it. Once i over drafted it i got hit with XXXX {$37.00} dollar fees. And when i look at the pending purchases that got hit with an overdraft fee it was {$2.00} {$5.00} {$4.00} {$0.00} {$0.00} This is not fair that i am charged so many overdraft fees for such small purchases that was not even in my available balance so im looking at my account positive. The bank has misleading information. Its not fair i have to pay XXXX dollars on such small purchases. The XXXX dollar purchase understandable because that is what overdrawn my account. Because i over drew amy account by XXXX dollars i should have owed the XXXX plus the XXXX thats XXXX dollars. My account it overdrawn by XXXX dollars this is crazy And i have a XXXX so its not right they they are trying to confused me even after i told the bank teller in person ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: I have been a Bank of America customer for more than a decade. This has not stopped them from stealing from me! 
I have XXXX complaints 1. 
Because of hard financial situation, I sometimes overdraw my account and gladly pay the regular {$35.00} overdraft fee. 
On Teusday XXXX/XXXX/2016, I needed to do this again. I checked my account to confirm that XXXX {$50.00} and XXXX {$100.00} payments I had made to my credit card were posted and they were. The balance on my account showed {$320.00}. I needed cash {$500.00}. I overdrew my account and waited to be charged the reguilar {$35.00}. To my shock the next day, I have been charged {$35.00} for each of the transactions listed above i.e. {$35.00} x XXXX BOA said that same day AFTER I overdrew the accounts, the payments for my credit card were presented!!! This is a lie! I saw them posted with my two eyes the day before! I regret not taking a snap short of the account that day. I made the payments on Friday, they do not take that long to post. I have made such payments several times in the past! I am perplexed that a big bank like BOA continue to steal from hard working Americans like me. 
They have done this in the past. Is this legal? How can it be? 

2. I disputed a transaction with XXXX XXXX and was vindicated, the overdraft fee that was incurred then was returned. BOA refused to return the {$12.00} overdraft transfer fee for my credit card which was a backup for the account. The whole problem was due to systemic errors at XXXX hence I disputed the transaction. Why am I being made to pay for that? 
I tried to resolve this with BOA by calling their customer services but they insisisted the charges are valid. How can that be?

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 04-06-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: AD Astra Recovery service is on my credit report. I did a request for verification of a XXXX loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the Summer I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with AD Astra Recovery. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from XXXX for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research XXXX. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about Astria Recovery and XXXX. I ca n't find they are invested with each other. Astra Recovery Systems and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX SEM scheduling called my home. He did give out Recovery Service was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to AdAstria. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. AdAstria had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that AdAstria did get in contact with him to verify him as my lawyer. AdAstria had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was a valued member of Chase Bank for over ten years. I have excellent credit with a credit score near XXXX. In XXXX, I was out of the country with limited access to internet, and Chase Bank allowed me to spend more than {$1000.00} over my credit limit because I was a " valued member ''. Because I was out of the country, I had no idea, and my monthly interest and " over-the-credit-limit '' fees raised through the roof. It was so high and so out of control by the time I returned home that I repeatedly asked Chase employees if ANY HELPFUL PROGRAMS existed to help pay down the credit card. It was not until I broke down into tears at a Chase branch before someone finally offered me the number to a third party loan-repayment program. This program that I entered shows on my credit report, limiting my opportunities and causing emotional stress, AND it costs me a monthly fee. I have since closed ALL Chase accounts. If Chase bank stopped my card once I reached the LIMIT that I had agreed to and been allowed, this would not be the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: GM Finance called a friend of min who is the controller at a previous employer. They told him I was behind in my payments. This violates my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Loan went from XXXX XXXX to collection at Performant in XXXX. I setup a payment agreement with Performant in XXXX. They requested {$10.00} per month, to be deducted from my checking account. The agreement was that I would be taken out of collections to active status after 9 months of payments. I have now paid faithfully every month for 4 1/2 years and the account has still not been taken out of collections. I am a single mother of XXXX children and I would like to buy my first house. I can not do this because this account shows as in collections on my credit report. Performant claims that they can not accept a settlement because XXXX XXXX owns the loan. They also claim that XXXX XXXX does n't want it back and they do n't have another guarantor for the loan. Performant states this loan is still in collections because the " rules changed '' in XXXX and I did not sign a new agreement with them. I never received notification or a request for a new agreement! They claim to have sent it by XXXX. I never received it. They have my email address, they have my mailing address. They send me a note every month that they have received my payment, but they ca n't find a way to notify me of this? Oh, and by the way, this loan which should not be in collections, has now accumulated an extra {$9000.00} in late fees. How can I have late fees when I have a 4 1/2 year perfect payment record?? Please help 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 05-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RWLS Mortgage LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX is owned by Windowrock. XXXX was assigned my mortgage in XXXX XXXX. XXXX is requiring that I pay {$400.00} per month in escrow and refuses to cancel my escrow account or even talk with me. My escrow per year is XXXX. My escrow account has {$3000.00} in it. I want a refund of my escrow account and to stop paying escrow. my account number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 11-05-2016 about Bank account or service ((CD) Certificate of deposit) with STATE FARM BANK, FSB (FL).
Issue: Account opening, closing, or management

Complaint: I have XXXX certificates of deposit with State Farm Bank that I opened over two years ago. and each CD has a term of five years. When I opened them I elected to have interest automatically transferred to my checking account at another bank, since State Farm Bank has no branches and I already have bills paid out of another established checking account.. This was critical to me because I 'm a retired senior citizen and I depend on the interest from those certificates to pay my bills on a timely basis. I just received notice that State Farm will no longer credit the CD interest to my checking account, and they unilaterally decided to capitalize the interest on the CDs. When I called to complain, they stated that the only other option was for them to send me a check in the mail, or for me to open a State Farm Bank checking account. This is extremely inconvenient for me, as I would have to depend on the mail to receive the checks, can not depend on the date, and then I have to physically deposit the checks. All of this delays payment and I feel like they are trying to coerce me into opening another account at State Farm Bank. .If I had known this, I would not have opened the CDs there. They are changing the game in the middle and it is not right. I do n't know how they have the authority to do this during the term, as I have a contract with them to keep my money there and they should have to comply with my directions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Medical) with I.C. System, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: after requesting a Debt Verification letter I received the letter from the collection agency, stating they were unable to validate.

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 06/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, I was about closing on a new home, when the underwriter called for my final credit report before the loan closes, the underwriter found out that I was reported to have a 30 days late on my current mortgage. When I contacted Bank of America the loan servicer, I was told that yes, I was late on my mortgage. However, what happened is that my XXXX mortgage which was reported late was paid on time. The issue, is that there was a slight adjustment on my escrow account in amount of {$50.00} or so. The bank refused to credit the already paid amount and Bill me for the balance but chose to report me late. The rep I spoke to said they tried to reach me but was unable to. They sent me a written mail to that effect but I did not open the letter. I thought is XXXX of the letters I receive daily. They have my email address but chose not to contact me through email. They even said, that they dont't have my phone number in their system, which was a surprise to me. Overall, I beleive that Boa did not treat me good after being with the bank for about 8 years paying my mortgage on time. Moreover, I beleive they knew I was about acquiring a new home for them to make this move. Please I need your assistance with this because my credit went fromXXXX down to XXXX, of which no bank can service any loan for with such credit rating. Also, I have {$10000.00} in my escrow account, which I may lose if this issue is not resolved in timely manner. I have pleaded with them to reverse this no avail. I even involved a lawyer to assist but it seems it got worse. Please I need an urgent action to this effect. My loan number with boa is XXXX. 
Thanks for your anticipated assistant to this effect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Central States Recovery, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The {$20.00} stated as being owed was paid directly to the medical facility. It needs to be removed from my credit report as a delinquent payment. I DO NOT OWE IT. The medical facility already stated that they made a mistake on posting my payment and fixed it on their end. Central States Recovery needs to clear this from my record!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX  and transunion has taken more than 30 day for my dispute a violation of the cra sent police report

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 05-12-2016 about Debt collection (Non-federal student loan) with Lockhart, Morris & Montgomery Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Collector did n't want to give me address so I can mail in payment said I have to pay the whole thing they would take payment with out a large deposit. And have repeatedly call my cosigner 's mother and sister and threatened to take there pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Billing disputes

Complaint: In XXXX XXXX, I signed a credit card agreement through Home Depot that Citibank services which stated that I had 24 months of interest free financing. When I discovered that Citibank charged my interest on the principle after 6 months, I called Citibank to get this issue fixed. The rep said it was n't Citibank 's fault and that it was my issue and Home Depot 's fault for not sending Citibank the correct documents. Eventually, the rep said she would fix the account and apply 24 months interest free financing. That never happened. Since XXXX XXXX, I have called many times trying to get this resolved. Most recently, I called and talked with XXXX ( REF # is XXXX ) in XXXX XXXX. She was very resistant to resolving this but agreed to do it. It 's now XXXX XXXX and nothing has changed. What Citibank and Home Depot are doing is fraudulent. This needs to be fixed immediately. I have been charged literally thousands of dollars in interest fraudulently.

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