milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Dear Officer, I am writing to report that Bank of America cheated me over the phone. Please ask Bank of America to face the fact and explain why they should cheat its customers. Bank of America has never answered this question. Bank of America is still lying. That is not decent business behavior. Something is wrong within Bank of America because its phone representatives misled or cheated me. 
Thank you! 
XXXX XXXX PS : The following is the detail : On XXXX XXXX, 2016, I and XXXX XXXX XXXX in her XXXX office made a phone call to Bank of America ( XXXX ), regarding my home-line-equity account with Bank of America. Bank of America told me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
XXXX XXXX ( Tel : XXXX ) would like to serve as the witness of this issue. 
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 02/25/2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Customer service / Customer relations

Complaint: Hi, I called Chase Credit card customer care number XXXX on XX/XX/2017 at around XXXX. 

The executive was n't talking professionally and was n't able to give me complete information. He seemed to be untrained and without sufficient knowledge. Prior to that, he asked for my SSN and asked for account password or security question ( my mother 's maiden name ) to verify my identity. 

I need to know if it is a standard procedure at Chase to ask SSN and account password for verification purpose? But, why shall I share my security question or account password? 

But anyhow, I had to share my SSN and my mother 's maiden name for verification purpose as he was n't giving me option to answer any other verification questions. 

I need assurance that the person to whom I spoke to is a genuine person and my identity details were shared with a reliable customer care executive.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen identity credit card open in my name on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of 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 non-monetary relief
Consumer complaint received 07/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. 
I was not in the United States in XXXX XXXX. 
I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.

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 04/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient keeps pursuing me for my school loan balance 1. They can not produce my original signed loan document so no one can determine the loan terms and conditions. 
2. They illegally charged deferment fees and sent a letter and refund check due to a class action lawsuit. XXXX XXXX, et al. v. XXXX XXXX XXXX, et al., XXXX XXXX. XXXX XXXX. Have filed false documents in court.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Other bank product/service) with AES/PHEAA (NY).
Issue: Account opening, closing, or management

Complaint: 1. received email from us dept of education on XXXX/XXXX/16 regarding a loan forgiveness program. 
2. filled out the form and mailed it. 
3. received XXXX servicing bill for loan payment. sent out payment by mail, because online the account has been closed by fedloan without my knowledge. I did n't get anything in the mail that they had approved my application. 
4. sent out payment to fedloan address with XXXX invoice stub so that they can apply the payment, since I did not get a bill from fedloan and I could not set up an online account with them because they were still processing everything. 
5. payment processed on XXXX/XXXX/16 and XXXX/XXXX/16 for the same amount. 
6. XXXX/XXXX/16 received email from fedloan welcoming me and suggesting that i set up an online account. 
7. XXXX/XXXX/16 set up an online account with fedloan.org 8. online account states that i am past due and my loans are deliquent, which is incorrect. made a third payment for the same billing cycle online under fedloan. emailed with their online email that i paid already and that this is the third payment for the same cycle and their website says i am past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: I received an email stating that my Best Buy credit card through Citibank would be closed due to inactivity. To keep the account open, I went online and pre-ordered a dvd for around {$30.00}. I received the dvd at my current mailing address but never received a billing statement. Approximately 5 months later I receive an email from XXXX XXXX stating that I have a past due balance on one of my accounts. I immediately start to investigate and see that it is now a {$180.00} bill on my {$30.00} purchase from Best Buy. I call to try to make a payment and reduce the late fees seeing as how I never received a billing statement, email or voicemail even though they were able to contact me to let me know that my account would be closed for inactivity a few months before. After numerous calls and attempts to rectify the situation I am repeatedly told that they can only wave XXXX late fee, if I bring my account to current. After continually asking for someone who can make a pay off decision, hear my complaint and deal with the situation, I am transferred and redirected numerous times. No manager can take my call and no employee can deviate from the XXXX late fee removal policy. Nor can they say anything that actually deals with the situation besides repeating themselves over and over again. I have made many large purchases with my Best Buy card in the past and never had a late fee. I have a Sears credit card through Citibank and have no issues there either. In an effort to not continue late fees on a {$30.00} movie purchase I take the XXXX late fee removal and pay off the account at {$140.00}. I am waiting to hear back from a manager to see if they can resolve this issue in any way.

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 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Issue Incorrect information on credit " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry 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 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Every attempt has been made to have XXXX accounts removed from credit files. I have been informed that creditors has no say so in where accounts are reported. In the remarks block TRANSUNION continues to comment about bankruptcy, stating " Bankruptcy dismissed '' I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy would not be in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ) .This Dismissed Chapter XXXX Bankruptcy has been remove from TRANSUNION credit files, but continues to comment on bankruptcy on XXXX accounts. Data that has been reported by TRANSUNION does not warrant accounts being reported as adverse accounts. The other credit reporting agencies shows XXXX as accounts in good standings.

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 05-02-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Shopping for a loan or lease

Complaint: Applied for financing at Toyota for a lease buyout on existing lease for a Toyota Camry or new lease. My 3 year lease is ending in XXXX 2016. I am currently XXXX miles over mileage allowance. I have paid monthly on my lease for 2 1/2 years although some were just past grace period. Toyota XXXX the amount of my lease due to location of vehicle and ended up refunding me over payments, however even though I have been reliable with payments, they are denying me a buyout plan, due to other delinquencies. My rental property was severely damaged in hurricane sandy and I did fall behind with a few payments for creditors that did not offer me payment plans, however I am turning the corner financially and most creditors are on time. Prior to that storm I had XXXX years of solid credit history. I was denied in a letter dtd XXXX/XXXX/2016 application submitted by XXXX application XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. 

The account is reflected on my credit file as Capital One XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (NV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was char ged 2 n on-sufficient funds fees on  XXXX / XXXX /  XXXX  . Looking at the attached account register, I was not overdrawn. I was told by Nevada State Bank that the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   and the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   prompted the overdraft fees as the {$30.00} premier credit charge was pending.     I think the bank is manipulating transactions in order to get extra overdraft fees.     The bank did not have to pay anything at a service to me due to funds not being available. These items were not paid until after a deposit was posted to my account. & no negative balance shows prior to the deposit clearing.     As you can see from the attached account register, I was never overdrawn by any amount. I think the bank lacks in transparency in the way the accounts are set up. There is missing and confusing information.

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 03/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for public service loan forgiveness in 2015 and submitted the application twice and never heard from them, even when i called them. Now i have resubmitted again and was denied due to incomplete employer address. I called and corrected it and they said they would process it and i have n't heard back from them since that phone call a month ago. Now i am trying to recertify my ibr plan and have received XXXX emails stating they 've recieved my application on two different days, which does not inspire confidence in their process. My payment which i cant afford is now 2 weeks away. They need to be held accountable for the services they fail to provide to borrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Synchrony Bank gave the wrong information to XXXX 's XXXX who got the information directly from the bank who was supposed to give the account number since I could not provide and it was the wrong account number I contacted the bank to Fraud Unit and the State Attorney General 's office and no one seems to be able to get the bank to see that I 'm paying on an account that has best switch and so I need them to move the account that should be XXXX 's from XXXX so that it will be the right money going on the right account I talk to everybody and they wo n't do it at synchrony and so I have a problem with this being able to pay my account in the money going directly to that right vendor

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 08/21/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in Special Civil in XXXX County, New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.

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 10/19/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: I filed a complaint with AHFC due to late notices posted to my account that were no valid. I sent them a formal dispute on XXXX XXXX, 2016 which they received on XXXX XXXX 2016. On XXXX XXXX, 2016, since I had not heard from them, I sent them a second letter telling them that they did not mark my file as disputed or responded to my previously letter that they now need to remove the late notices on my account. They received the letter on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received THREE letters from AHFC. 1. telling me again that my payment was late and I needed to pay immediately to get my account up to date, 2. A letter telling me my request to remove derogatory marks from the credit bureaus was denied and 3. Telling me my car loan was paid in full and attached to that letter was the TITLE for my car. So, please tell me this company reports information accurately and timely. If you would like all of this documented evidence, I am happy to send it to you, but it 's all pretty thick. I appreciate your help in ending this as it 's not fair and AHFC had not followed the law in marking my file 1. in dispute and 2. responding in a timely manner. This type of reporting is for a reason, and when at fault, I am happy to take my due punishment. However, this reporting is not accurate and AHFC has done nothing according to the law to correct this error or follow the law in investigating, marking the file as in dispute and NOT continuing to write derogatory marks on my file as payback for fighting them on this. Please help!

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. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I was notified of Equifax 's data breach and their attempt to get consumers to waive their legal rights. 

From Equifax : " Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company 's investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifax 's core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. '' According to Equifax, I have been impacted by this incident. 

Additionally, Equifax is attempting to trick consumers into waiving their legal rights through their offer of free credit and ID protection. 

From the XXXX XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX I tried withdrawing money from a Santander Bank ATM in XXXX at the XXXX XXXX XXXX XXXX but the money was not dispensed. After getting home and noticing that the money was debited from my account I called on the XXXX. I filed a claim with a rep on the XXXX the claim number for this call is XXXX. After calling back a few days later I was told the claim was closed and that it was determined that the money was dispensed. The representative then told me that there is video evidence that proves the money was dispensed and that the video will be sent to the nearest branch so that I could see the evidence for myself. This call happened on Saturday the XXXX of XXXX. The representative told me that another representative would call me on Monday the XXXX to give me an approximate date for the arrival of the video. I was n't given a reference number for this call as it was a response to the first call. I then called today the XXXX of XXXX to check on the status of the video being sent because I did n't receive a call from the representative and I am obviously anxious about my {$200.00} being lost and equally anxious to see the video. The new representative on the XXXX told me that she could not promise I would get to see the video because it is private property of Santander Bank. She proceeded to reopen the claim and gave me a new case number : XXXX. I am willing to take the case to small claims court to be provided the video evidence. I 've been banking with Santander for over a year now, have used their ATM many times and have never put in a claim. Why would I all of the sudden need to fake a claim for {$200.00}? All I ask for is to be given the video evidence I was promised. I do believe in the mantra innocent until proven guilty.

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 06-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Last XXXX I received a targeted offer from Citibank for a Citigold account which, after completing the spend requirements, was supposed to result in XXXX XXXX miles in that account. I fulfilled the requirements months ago. One citibank rep said I would get the miles in XXXX, then I was told I had n't turned in a tax form, then I turned it in and Citibank said they never received it. Then they admitted they had received it. I escalated my request at the XX/XX/XXXX and was told I would get the miles by XXXX XXXX. Has n't happened. Talked to Citibank last night and was told that Citibank has " approved '' the miles but they have no idea when they will be posted or available to me. Meanwhile I have been paying a monthly fee to maintain the Citigold account. Last night the representative said I would n't have to pay any fees for three months, but I 've already paid several months of fees AND I have no miles yet. I kept my part of the deal ; Citibank has not kept theirs. This is fraud. I want the miles, I want the fees rebated for the months since I met the requirements. I think I also deserve some consideration for the hours I have spent on the phone with them.

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 08-05-2016 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. Yet today Real Time Resolutions wrote me about collecting a debt on my house. The house address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The original account number ( on the Real Time invoice ) is XXXX. It is illegal for them to contact me since this house was surrendered as part of bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation