milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In XXXX I borrowed XXXX grand from a pvt.lender in XXXX XXXX. I came ou with XXXX grand.I had to pay child support arrears. in XXXX I married and my husband and I were calling loans for his truck as security.citifinancial of XXXX XXXX said come over neither XXXX of us had a job. He was looking to go to XXXX which eventually he did. In the process of the loan for the truck title we spoke to XXXX XXXX about my deed for my free and clear property which I owned. They said they would pay off the balance of XXXX XXXX and add it then eventually gave the truck title back. Now the man I married took all the money and left XXXX to XXXX. I told CitiFinancial he left and still I struggled for 8 yrs paying it. they never contacted my husband who was the primary borrower me second but it was my deed. I tried modifying XXXX for the short time of three months. then the interest went way up the payments were really high again. I kept falling off course. My daughter let them take on a few occasions a payment out of her account. XXXX time they took XXXX payments every XXXX weeks out of her account without her permission. They never tried to make me out a new contract. This account has XXXX or XXXX different account numbers. They say it started in XXXX when it was XXXX. I have all the office sent papers. my debt after 9 yrs is almost XXXX when it was maybe XXXX at the beginning. I have XXXX sons XXXX and XXXX my XXXX yr old mother we are in foreclosure, They never contacted me for auction or tried to wait for me to get the settlement offer of XXXX these people are under predatory lending and work with citi the red umbrella and are not under Citibank . They are misrepresenting the lending status as a mortgage my house was mine they did not loan me the money to buy it. they paid a realtor to come to my house and leave by XXXX XXXX XXXX. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Medical) with CAINE & WEINER COMPANY, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. Thank you.

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 12/21/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit card protection / Debt protection

Complaint: I mistakenly sent an electronic payment on XXXX to Synchrony credit card company which the balance on the card was {$480.00}. The {$750.00} electronic payment was suppose to go another creditor. When I called Synchrony on XXXX, the agent said they had n't received any money and because I only owed {$480.00} and the payment was {$750.00}, they 'd more than likely kick the payment back. I called twice on XXXX, the day my bank said Synchrony should 've received the payment, Synchrony said no record of payment. I called the next day, XXXX, And then I 'm told the acct was charged off and sold to a third party collection agency and they have no longer have access to any information about the account. I 'm given the collection agency 's number. I called the agency, they have no record of me or my account and tell me to wait 10 days to call to see if they have received my information from Synchrony. I talked to the supervisor 's supervisor at Synchrony and he admits that the account was just charged off on XXXX. In the mean time, the credit card company is holding the {$750.00} to eventually forward the payment to collection agency and tell me to get any overpayment difference from them. Synchrony would n't admit they have the {$750.00} even though I do n't have the money ( it 's deducted from my checking account since XXXX ) nor does the collection agency ( I 'm yet a client of theirs ) have the money. Logic stands to reason that Synchrony has the money.

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 06-07-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have received repeated calls from  Trans World Systems, the  last call was received on  XXXX / XXXX / 2017  at  XXXX  from  XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor,  XXXX   XXXX   XXXX   XXXX , and received  XXXX   notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under  XXXX  different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: If Equifax actually investigated this derogatory collection account and determined that it was mine, they would be obligated to amend the credit file with the supposed Creditor that this account was attributable to. Thereby allowing me to dispute this with the company that is falsely screwing up my credit file. I strongly feel that Equifax did no reinvestigation and just sent the response I am disputing to comply with the regulations from the CFPB. I feel that Equifax is being the bad actor here and I want this removed from my credit file or have the company that it is attributable to to be attached to the record.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Business & Professional Collection Service Inc (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: All but 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 09/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was called XXXX on XXXX XXXX and reported XXXX XXXX, 2016. I submitted my XXXX to American Education Services ( AES ) on XXXX XXXX for my Servicemember Civil Relief Act ( SCRA ) benefits. I received an e-letter from AES that they were unable to confirm your XXXX XXXX status using the Department of Defense 's SCRA Website. However, I had faxed my XXXX. I called AES on XXXX XXXX and the representative confirmed AES had my XXXX. I asked her to submit a manual review. On XXXX XXXX, I received another e-letter stating the previous. Subsequently my XXXX were extended and on XXXX XXXX, I submitted new orders. I called on XXXX XXXX to verify receipt of the XXXX and was advised AES would need an additional 7-10 business days. I complained that they already had the first set and that these XXXX were no different, except extending my military time. I explained I needed the XXXX to be processed and the benefits applied, so I could request a forbearance before the next payment date. He could not explain why my benefits had n't yet been applied and that he could n't do anything to assist me. I asked for a supervisor and after 5-7 min on hold he came back and said there was no available supervisor to assist me. It should not be this difficult to receive my SCRA benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Adding money

Complaint: I had updated my direct deposit information to my employer and accidently reversed the numbers at the end of my account number. I saw the mistake before the money was actually deposited into the wrong account and contacted American Express Centurion and told them and they explained to me that the computer would recognize my name and still deposit the funds into my account. This did not happen. My pay check which was {$1300.00} was deposited into the wrong account. American Express did freeze the funds so this other person could not spend my money and then requested that my pay roll bank which is XXXX XXXX submit a letter called a Hold Harmless which pay roll indicated that they do not provide. Payroll then submitted a recall to retract the funds and American Express denied the recall. They then indicated again they would only release my funds to the bank if they received this letter that my payroll bank does not provide. We have asked if there are other methods besides this one and they keep telling us they will get back to us and they only keep saying they need this Hold Harmless Letter. They then told me that they can only hold the funds for 30 days and after 30 days they will release my pay check to this other person and they will get to keep my money. This is totally unfair. We all know that there was a mistake and there has to be another way to have things verified to send my hard earned pay check back to the pay roll bank. I am living one pay check behind and I am late with all of my bills and my rent is now a month behind and my landlord is very upset and threatening to evict me and my XXXX kids. This pay check was right before XXXX also and I had no money for XXXX or the XXXX XXXX. I desperately need my money and they are doing nothing to get it back to me. It is as if they do not care when they clearly see the money belongs to me. I have been having the direct deposit for years and even now my pay check is still being deposited. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXXI wired {$400.00} from Bank of America to my XXXX XXXX account at XXXX XXXX. When the money did not appear in my account I inquired with Bank of America, Options House ( now apparently part of XXXX ), and with XXXX.
At Bank of America I called every phone number associated with my account, and for hours was transferred to phone menu after phone menu by customer service reps and the automated phone system. Today I went to a branch where the banker experienced the same run around, and could not locate my funds.
When I contacted XXXX XXXX I was informed that the XXXX XXXX account they have been using for years was closed. and that the wire would be rejected. After a week it has not been returned to my account. I had a similar set of conversations with XXXX.
Still no money.

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 07/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: My father 's Bank of America debit card was used in a XXXX XXXX XXXX while he was in a XXXX We have filed at least XXXX complaints about {$37000.00} in charges from his bank account with Bank of America. We have provided a letter from the hospital naming the person who used the card, provide notarized copies of his signature and the bank keeps telling us that these were authorized charges on his debit card made by him. We have been fighting this battle with Bank of America since XXXX XXXX, 2015, when my father passed away in XXXX XXXX. They also paid alimony payments from his bank account after I froze his account on XXXX XXXX, 2015. I have done everything within my power to try to retrieve these funds that were gotten nothing but letters stating that these were signed by my father. I feel that it is unfair that a large bank can get away with stealing over {$37000.00} from a deceased person 's bank 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 02/26/2017 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my 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 06-02-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: Bank of America representatives have put my home into foreclosure. I was told that I had the option to do a deed in lieu of foreclosure but never received the paperwork. I 've put my home up for sale and have received a contract from a buyer at a price that is higher than what I owe on my mortgage balance. Bank of America representatives have not responded.

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 07-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America bought our mortgage many years ago from XXXX. We tried to do a mod. in XXXX and were denied. At a later date we tried to do a Mod. with the Presidents home affordable program. After almost a year of more documents needed, loan rep on vacation, wrong documents, anything to string us along they said the only program we qualified for would save us about {$60.00} a month. In the past year of 2014 we were told we missed a payment. We did a trial mod. and still they are saying we are missing a payment. I can never get the same person to talk to. My account manager is also a C S R. I checked my bank records and all payments were made on time, every month! They charge us {$15.00} for a phone payment, {$15.00} for property inspection, Hazard insurance. Mislead, misinform, drag out every attempt to resolve any issue, and make it almost impossible to refinance anywhere else. I WANT OUT OF THIS COMPANY!!!! I filed a letter of dispute with B O A dispute department and asked to check my payment history and either send me a fax detailing the exact payment we missed or send me a clean record and a letter stating such and to no surprise never received a response from them. I spoke to a C S R who said my dispute was denied and I asked her to fax me the denial. Her response was she was not allowed to. I ca n't get anywhere with the lousy company! This is nothing more than hanging a carrot in front of a horse. Very deceptive and questionable business practices. I would advise anyone potentially doing any business with B O A. DO N'T!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have recieved several calls from a company named Midland Funding. They are said to represent a payday loan that was taken out in 2012 online. They provided a false email address and false home mailing address. They have said the would sue me taking legal action because they want to ensure they will get monies in return. They accused me of recieving a payday loan at about {$2800.00}. When asked for proof and paper work trail they immediatly hang up.Then recall again within an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear Trans Union, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).

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 01/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Delinquent account

Complaint: I have received calls from the same credit card company upwards of four times PER DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX is a fraudulent account. I have been trying to get the account removed for months. Every time I receive a dispute complete letter from Equifax , it says, we verified that this account belongs to you. So, I went to my local police station, filed a police report and got an identity theft affidavit. The officer at the station even called XXXX XXXX XXXX and was told if I send in those XXXX documents, that Equifax would be allowed to delete it from my credit report. So, I went ahead and faxed the information in, only to receive another dispute status saying that Equifax verified it is my account. XXXX have already deleted it. I am not sure what the issue is with Equifax but this fraudulent account is weighing down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I want to file a complaint against Citizens Bank and their service provider handling my student loans XXXX XXXX. In the FAQ page of their website, it says I can choose to have anything above my minimum payment applied directly to my principal balance. I pay over my minimum balance every month, I called and asked to have a written confirmation sent to me that all of the money above my minimum payment is being applied to my principal balance. They have denied this request for written confirmation and " assured me '' this is the case. I do not believe this is happening on my account as any payment above my minimum balance seems to just to extend my payment date, which leads me to believe they are applying my extra payment amounts to future interest payments and not applying to my principal balance. Even though it states clearly in their FAQs that I have the ability to choose where my extra payment is applied to ... and they failed to do that for me and provide written confirmation that this is what is happening with my account. I would like them to fix this on my account, provide me with written confirmation that all of my extra payments are being directly applied to my principal balance and not being applied to future interest payments and for them to clarify their FAQs so there is no confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to  purchase a new property.

Company response to consumer: Closed with explanation