milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Bank account or service (Checking account) with Comerica (GA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 fund was taken from my account with Comerica Bank, direct express debit card account for the second time, it is now XX/XX/2016 and I am yet to have my account refunded, Bill are behind, I am a XXXX Veteran who depends on these funds for my livelihood, this bank do n't care about it 's customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Citi was advertising a XXXX bonus point promotion for the Citi Prestige card when I decided to sign up. The only requirements listed on the find print of the promotion were to ( 1 ) open a new Citi Prestige card and ( 2 ) not have opened a Citi card within the past 24 months. Accordingly, I closed my old Citi ThankYou Preferred card and opened a new Citi Prestige card, expecting to receive this promotion. After all, I had not opened a new Citi card within the past few years. 

However, I was told by customer service over the phone, ex post facto, that the transaction was a " conversion '' and that I did not qualify for the XXXX bonus points. There was nothing in the fine print about this, though, and I clearly satisfied the two requirements that Citi had set forth, so I send a secure message about this on XX/XX/XXXX, and received a generic denial of my request from " Account Specialist, South Dakota. '' I then demanded to have my message forwarded to a manager, but I was summarily ignored and sent a nearly identical generic denial from " Account Specialist, South Dakota. '' On XX/XX/XXXX, I sent a complaint to the BBB regarding the atrocious customer service representatives who refused to let me speak with their manager, and received a call from a representative of the corporate officers who repeated the exact same generic denial over the phone that I had received via message. 

On XX/XX/XXXX, I contacted XXXX XXXX of Citi cards in an attempt to reach a resolution. I was told that I had consented to all of the terms of converting my account ( which were rapidly listed off over the course of a phone call ) and that these terms allegedly indicated that I would not receive the bonus offer. I still think that this is a dishonest way to do business. No other bank has been so intransigent with regards to honoring a promotional offer.

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 10/22/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (TN).
Issue: Managing the loan or lease

Complaint: best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I called Wells Fargo XX/XX/XXXX to ask about making a lump sum principal payment before my next payment. I was told by corporate to go into the branch and pay before XX/XX/XXXX payment is withdrawn so it can all be applied to principal loan. I went to the bank on XXXX/XXXX/17 gave them {$140000.00} towards the principal. I was given a new amortization schedule to show my XX/XX/XXXX payment principal would be {$770.00} and interest would be {$200.00}. I looked online days later and my {$140000.00} is still not applied. I called corporate and was advised they are " holding '' the money until XX/XX/XXXX the day after my withdrawal for XX/XX/XXXX payment is made. They also said the new amortization schedule will not go into effect until XX/XX/XXXX. This is not what I was told verbally by XXXX different employees and handed a new amortization schedule. As of today right now the {$140000.00} is still not applied to my account and I 'm being told it should happen over the weekend. I am also being told that we will not get any interest on them holding our money. They keep telling me be patient and wait.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (FL).
Issue: Managing the loan or lease

Complaint: Auto loan with Suntrust Bank. Original Loan amount was reduced because I cancelled a car service package, but the bank never sent information about how the payments will be modified. Paid on time every month for 50 months, more than the originally settled monthly payment. However, the bank never sent me a statement or account balance info. Automatic payments stopped by mistake after XXXX. Bank never contacted me, but reported late payments to credit bureau. Learned about that about 2 months later by checking credit report. Called bank to verify what 's going on and get the account balance. Bank claims they tried to contact me, but they do not have updated address ( strange because I requested address change to US postal service and I also keep on receiving checking account and loan offers from this bank ( I have copies of them ). They claim they tried to call me but they had a wrong phone number in file ( strange because it has not been changed and all info/negotiation was mediated by the car dealer and they have it all fine ). Bank claims they do not send emails for security reasons ( LOL ). I already paid full debt, but the bank claims late payments shall remain reflected in my credit report because it was my fault/neglect to contact them and keep track of what I owed ( 2months ). How can I know what I owe if the bank never send statements and refuses to do so? It is extremely difficult for a layout person to figure out an amortization table/balance after applying all those changes to the account. I had a pristine credit history before this issue ( above XXXX ), all debts paid full or before time, even during the incident with this bank. I am also currently leasing another car. Clearly the issue was because of lack of communication, not because of financial problems or neglect. I already finished paying whole balance, -6 months before due time. If all they wanted was charging late fees and other stuff they can keep it. It is unfair, but I do not mind. I just want them to remove the negative & false information they posted on my credit because it has nothing to do with my personality or my financial responsibility. They are the ones who hide account balances, I am not the one who play dirty games.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Transunion requesting verification of XXXX XXXX XXXX, XXXX, and XXXX XXXX Dealer services accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Transunion responded to each of my disputes saying the information was verified/updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Transunion has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Transunion has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items 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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit  bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be 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 explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

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 10-04-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I am the administrator of my late mother 's estate ( death certificate and my appointment attached ). At the time of her death and at the time of the modification in question, my mother had been declared incompetent, and the XXXX of Ky. ( " XXXX '' ) was acting as her legal guardian. 

My mother 's mortgage was owned by XXXX and serviced by Rushmore. Rushmore had initiated a foreclosure, but with my uncle 's assistance my mother avoided the foreclosure by securing a HAMP modification ( attached ). The XXXX signed the modification on my mother 's behalf. 

The modification provides several different dollar figures : * Original Loan Amount : {$100000.00} * Unpaid Principal Balance of the Original Obligation Secured by the Existing Security Instrument : {$94000.00} ( para. 4.P. ) * New Principal Balance : {$120000.00} ( paras. 3.B. and 4.P ) Neither the XXXX official who signed the modification on my mother 's behalf nor the XXXX 's attorney who reviewed it and notarized it understand how Rushmore arrived at these figures.
I have repeated asked Rushmore for an explanation of these numbers and the differences between them ( attached ), but they have yet to provide any answers.
The house is now under contract, and we hope to close in late XX/XX/XXXX. Rushmore has provided a payoff amount of {$130000.00} ( attached ).
I question how Rushmore added another {$32000.00} to the Balance of the Original Obligation to arrive at the new Principal Balance and whether these additional charges are consistent with the HAMP program. I need them to reply quickly so that we can resolve this issue prior to closing. 

The account at Rushmore ( # XXXX ) is currently being handled by XXXX XXXX / XXXX XXXX XXXX XXXX / XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Mortgage (Other mortgage) with First Title & Escrow, Inc (VA).
Issue: Settlement process and costs

Complaint: I worked for about two months but got terminated for complaining about employment and RESPA violations at First Title & Escrow , Inc. headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX with phone number ( XXXX ) XXXX. They have offices in other states but I worked in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
This company is doing about XXXX transactions a month and I highly suspect they are not compliant with RESPA regulations for kickbacks or marketing service agreements. I know that their main source of business in XXXX XXXX in XXXX, XXXX comes from a marketer, XXXX XXXX, who is the daughter of the President/Executive of XXXX XXXX XXXX, XXXX which I think maybe in violation of a mortgage kickback scheme since they can not be an affiliate of the mortgage company. 
Please investigate this company. XXXX cases a month from honest marketing efforts -- I highly doubt it. This will be very similar to the XXXX company you investigated. 
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: Chase authorized an XXXX payment on XXXX/XXXX/16 for {$120.00} as a debit card transaction and there was sufficient dollars in my account at that time. I have the text to prove this. I then had my XXXX check # XXXX for {$370.00} clear overnight on Monday XXXX/XXXX/16, so the XXXX charge hit my account officially on Monday XXXX/XXXX/16 and Chase charged me a fee. It 's my understanding that if a debit card transaction is approved there will be no OD fee associated with it. The XXXX charge was put through as a recurring charge, by Chase. We had Chase and XXXX on the phone at the same time and Chase miscoded the charge and charged me a fee of {$34.00}. I want the fee reversed! I should not have been charged this fee and this was not a recurring charge. Chase is fraudulently charging me an OD fee. I currently have a XXXX charge pending, which was again authorized before the check cleared and they are not charging me a fee for this. Why? Because it was authorized before the check came through, so why is the XXXX transaction being charged a fee. Because Chase is being fraudulent!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them. 

I had also spoke to someone in the past and they mailed me a letter of deletion and verified the account was not mine AGAIN THEY ADDED THIS ACCOUNT and they are attempting to collect on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Green Tree and now I see it 's Ditech. I would get calls saying the mortgage was n't paid or was behind so I figured the ex wife forgot and paid it. This went m for yes. For some reason it seem like they were always saying it was behind. I seem to see money being taken out by Green Tree and never gave them authorization to. One day after my device I got a call from them say my ex wife was 6 months behind so end up paymg the whole 6 month. At the end of 2012 I got something from them saying they were forclousung on me and it was n't behind. I got so sick of them I so go head. I had a manufactured home. The came and repo it, sold it and never removed the money from the total. Now they are say I owe them XXXX. That is not true. For all the year of double charging me and selling it they should be a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have received a credit report from Transunion. This reporting agency continues to violate the rules of reporting adverse information. Especially, when it is clearly seen the opening dates and closing dates are beyond 7 years, or the accounts are closed by the creditors, or charged off. I want this information deleted and my FICO score to not suffer any more damage because of their inability to follow the laws of reporting accurate information and to update my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In th e past two months I have had several Bank accounts closed because of suspected fraud. The banks in question ( Chase,   XXXX   XXXX   ) clo sed my accounts abruptly and would not provide any additional information except for that my accounts were closed to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: USAA has decided to give me " limited access '' to their services. Being an online bank, I no longer have the services available to me that I need. For example, they 're reporting on my credit when I no longer have a credit account with them. To dispute this I need to access their online site to get the dispute form. Because I do n't have access I ca n't get the form to dispute the charge. Catch 22. I should have access to at least the most basic forms. USAA has a habit of doing nasty things to customers it finds as subpar. Never mind that I 'm a veteran. they 're really only care about money, and how to get it from vets. Their actions speak louder than the lovely sound bites they put on the radio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that TransUnion has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and TransUnion has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.

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 03-02-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Application, originator, mortgage broker

Complaint: I applied and closed a XXXX loan with Bank of America in XXXX XXXX. I rescinded that loan within the 3 day period allotted. Bank of America recognizes that I refused the loan but they still sent a Deed of Trust on my property. I have contacted, several times, the post-mortgage department responsible for the Deed of Trust but no one will contact me regarding whether the deed was recorded or not. I 've left messages and talked personally to their agents and was promised a status within 24 hours. My calls do not get returned, nor promised email sent. I just want to know that this deed of trust was NOT recorded against my property. I consider this unprofessional and inconsiderate and it leaves me hanging whether the deed was in fact invoked even though I DO NOT have a loan with this bank.

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