milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I am writing in regards to Citi Bank offering me a balance transfer at one offer, but fulfilling it under different terms than offered. I was offered a balance transfer ( Balance Transfer Offer 4 )  under the terms of 0 % until paid in full with no transaction fee. I took advantage of this offer and completed four ( 4 ) balance transfers, and I have attached screen shots of the offer on my account and screen shots of the completed transfers on the Citibank website. I first completed a Balance transfer in the amount of {$2000.00} on XXXX XXXX. ( Attachment BT Citi ). As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX I completed a balance transfer in the amount of {$4200.00}. ( Attachment BT Citi XXXX ) As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX, I also completed a balance transfer for {$8000.00} under the same terms On XXXX XXXX, I completed another transfer in the amount of {$5000.00}. Attachment BT Citi XXXX. As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. The offer was made available to me upon logging in to my account online and I took advantage of this several times. However, upon receipt of my statement, the balances were not fulfilled as offered. The Balance transfers did post with no fee and did post at 0 % however, the term of the balance transfer is listed as expiring in XXXX of XXXX. Clearly, this is not the offer I agreed to and is not what was offered and is evidenced by the enclosed screen shots. I have attached evidence of this. I should have a balance of XXXX at 0 % until paid in full as marketed and agreed to by me when completing the transaction. I would never have taken advantage of an offer as posted to my account, as I currently have a 0 % rate on my account until XXXX of XXXX. Citi Bank continues to harass me. This is just another instance of false and misleading statements and marketing lies perpetrated by CitiBank. Citibank should be required to honor the 0 % rate on all of my balance transfers until paid in full as offered to me and as agreed to by 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 non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE XXXX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. EXPERIAN ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with Fidelity National Information Services, Inc. (FNIS) (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I got a call from payment   XXXX   XXXX   stating that I owed a debt on behalf of my bank. They advised me even though my bank account has been closed and I was never made aware of any debt by my bank before I closed my account I still needed to pay 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 explanation
Consumer complaint received 08-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Regions Bank holds the mortgage on my home. I applied to Regions Bank for a refinance loan. Regions put in in touch with a loan officer, XXXX XXXX XXXX. In my initial conversation, I disclosed to him which loan I wanted and our financial circumstances. Based upon this, Regions knew or had reason to know that I could not qualify under the requirements of the loan which I sought. This is the case despite the fact that we have excellent credit and financial resources. Today, over 90 % of loans are sold to XXXX XXXX or XXXX immediately after securitization. These two XXXX then issue securities guaranteed by the full faith and credit of the XXXX, either through securitization or as covered bonds. We fail to meet the income and debt ratios for the loan under XXXX XXXX XXXX guidelines. 
In this case, Regions was only prepared to make a loan conforming to these guidelines. I was informed of none of this. Instead of informing me of this by " prequalifying '' me for the loan based upon my verbal representations in relationship to the guidelines, Regions issued a full loan disclosure document. XXXX XXXX then asked me to submit detailed financial documentation to substantiate my representations which I did. Subsequently XXXX XXXX requested me to submit additional documents and had me increase the monthly distribution paid from our trusts and documentation confirming that this amount had been paid into our Regions ' checking account. The entire process took more than XXXX months and a significant amount of my time. 

Even at this point, no one bothered to inform me that based upon the documentation submitted I did not meet the underwriting requirements for the loan. Instead, I was asked to pay {$400.00}. for an appraisal to secure a loan that would never be made. Only after payment was made was the documentation submitted for a review by an underwriter who belatedly started the process leading to my being informed that I did not qualify. In short, Regions wrongfully caused me to spend {$400.00}. when either they knew or should have known that the loan would never be made. 
This is a wrongful consumer abuse. Apparently, the procedure described above enables Regions to make more loans with a lower overhead. Most banks have licensed mortgage brokers taking applications who will inform a customer right away if the customer fails to qualify for the loan under its specific underwriting requirements. I do not believe that the consumer should be stuck with the bill because Regions has changed the way this type of transaction is customarily handled without first disclosing this to the customer. Regions, at a minimum, should either conform its procedure to the customary way other lenders take loan applications or make prior written disclosure to a loan applicant that fees will be collected without prior prequalification of the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contact the  XXXX  on  XX/XX/2017    to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX org now have first national collection noticed on my credit report called national collect told me the dept was for service at a XXXX mass. address i told them i never lived in XXXX they told me to go file with police after police wanted a copy of contract i have been trying to get a signed contract for over 8 months nat collect and XXXX have not sent me a copy ihave tried with XXXX letters to them each XXXX deleted from my credit report but the other XXXX have not but after 6 months they did remove the false address in XXXX but they wont remove the collection of {$110.00} i asked them to send me any info how did they verify the bad dept send me a copy of a contract never any response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Non-federal student loan) with College Foundation, Inc. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I saved up {$35000.00} to pay off the remainder of my student loan in full in XX/XX/XXXX. They said they would send me a statement that my loan had been repaid in full. Now that it 's tax season ( XX/XX/XXXX ), I logged back into my profile page to find the XXXX. It was nowhere to be found. I called and after a fifteen minute wait, XXXX answered my call. I asked why my neither my XXXX nor my loan payment statement from when I 'd paid it off had been mailed to me. She claimed that both had been mailed to the correct address and that my online profile would n't display any pertinent information because I 'd had the gall and audacity to pay off my loan and my online features were now blocked ... We confirmed and reconfirmed my address. Every other account and employer has been able to get me my documents via the mail except for this institution. It 's highly improbable that BOTH documents would 've gotten lost in the mail. Because I never received the paper in my hand stating that my loan was satisfied, I have anxiety to this day that there is still some kind of unsatisfied balance floating out there with accruing interest. And because they 're unable to get me a XXXX in either the physical or electronic form, my taxes may suffer. This is an official complaint against COLLEGE FOUNDATION OF NORTH CAROLINA for their incompetence, sloppiness and mistreatment of patrons who are in good standing.

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 12/17/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: XX/XX/XXXX, I received a notice of changes in terms to my AT & T Universal Platinum card, which I have held for over 20 years. The notice said I could opt out of their new arbitration provision by sending a letter postmarked no later than XX/XX/XXXX. I accordingly wrote such a letter on XX/XX/XXXX, and mailed it the next day, 11 days before the postmark deadline. On XX/XX/XXXX I received a notice from Citibank ( which owns the card service ), stating that my account would still be subject to arbitration " because you did n't mail your preference to opt out by the deadline we established. '' On XX/XX/XXXX I called the card 's customer service line and spoke to a man who identified himself as " XXXX in Arizona. '' He checked on the situation and informed me that my letter had not been received until XX/XX/XXXX. When I asked how that could be, given the date when I mailed the letter, he said, " I guess the Post Office took a long time to get it to us. '' He gave no information about the postmark, which is the determining criterion. He said that, in the future, I could opt out of card agreement provisions by telephoning. When I asked if I could opt out with him right then, he said no, it was too late. When I asked if there would be future opportunities to opt out of the arbitration clause, he said no again, but that " in the future, you can opt out of provisions by phoning us. '' I suspect that the company is being dishonest with me, that they are wrongly preventing me from rejecting their arbitration clause.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

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 09-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called their rep - XXXX from the Montana call center to discuss and they refused to reverse the {$1.00} they charged me. NO where on my statement has their been any indication of any balance subject to interest charges. So when I reviewed the statement I saw nothing in balance subject to interest and nothing in the interest charges. They put the {$1.00} in " FEES '' but it amounted to a minimum interest on {$11.00} which they failed to disclose for XXXX credit card statements that there was a balance subject to interest. It was not readily apparent due to the fact that there is also a large balance which was at 0 % interest for which I already paid a fee and there was not to be any more fees. 
I believe they should be placing any balance subject to interest clearly on the statement. They failed to do that. All balances subject to interest were listed as XXXX XXXX XXXX XXXX. They did that for XXXX statements, charging me {$1.00} XXXX times. 
And they advised they will also charge me again.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GFS II, LLC (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 GFS II LLC  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with KEYCORP (CO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filled XXXX total complaints against a company claiming they are a law firm when XXXX of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XX/XX/XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past XXXX months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in XXXX months. According to XXXX email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within XXXX hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the XXXX XXXX XXXX were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Payday loan, title loan, or personal loan (Installment loan) with Duvera Billing Services, LLC (KS).
Issue: Charged fees or interest you didn't expect

Complaint: I entered a loan with XXXX XXXX ( Duvera ) in XXXX when purchasing a puppy from XXXX in XXXX of 2017. The details were {$2500.00} loan with $ XXXX monthly payments with no interest. However as I look at my account there is an interest rate of 151 % and they have put my balance at {$2400.00} while I have paid {$1500.00} and they have charged me for {$1400.00} in interest. This is not correct and I was informed multiple times there was no interest. I have called XXXX and they have said they can do nothing about the interest accumulated and were very difficult to even talk to.I told them that I was told there was no interest when agreeing and asked what can I do to finish paying off my loan with no interest like we agreed upon. I am unsure what to do now. I want to pay off the remaining {$900.00} I owe on my loan but will not pay the {$1500.00} plus in interest that was never talked about or agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Lease) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.

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 10-03-2017 about Mortgage (Conventional home mortgage) with Synovus Bank (AL).
Issue: Closing on a mortgage

Complaint: My wife executed a mortgage and loan agreement with Synovus Bank in XXXX, Alabama on XXXX XXXX, XXXX. We had no problems with the local officers. 

However, subsequent to closing we have received contact from XXXX XXXX XXXX from the loan processing department in XXXX ( two emails to me ) and XXXX XXXX from XXXX XXXX XXXX XXXX ( one call to my wife today ). These emails and call state it is part of the post loan closing review. 

They keep asking about the house I included in my bankruptcy which my wife had absolutely nothing to do with. She was not on the note for that home. I provided them a copy of the note which clearly reflects this. 

Lastly, XXXX XXXX has bought the loan and they were my lender on the house included in the bankruptcy. I am continually being questioned about a loan that was included in bankruptcy and I think that violates the current credit law. 

The bottom line is that I would like for the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm a victim of identity theft, the account # XXXX XXXX is a fraudulent account and it was reported to my XXXX credit reports, after I contacted them they removed and deleted it all from my files. A week latter Equifax reported it again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: A computer glitch that was TransUnion 's problem - not mine - caused two inquiries to be deleted from my credit report. 

TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to the inquiries being added back to my report. 

I called TransUnion in good faith today ( speaking with XXXX ) and asked them to delete the items that were illegally re-added. He informed me there were never any glitches at Transunion and that the inquiries are valid. These inquiries are an added hardship to me, as I am diligently attempting to ensure that my credit report stays clean and accurate. I feel that I have been victimized that that my simple request to remove the inquires should have been honored. 

I am now asking that you assist in getting TransUnion to remove all inquiries from my credit report as a violation did take place when they were re-added.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: Equifax is in violation of FCRA. See attached signed complaint.

Company response to consumer: Closed with explanation