milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Payoff process

Complaint: Interest was charged on my account even though I had paid the bill in full and a full week before it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Mortgage (Conventional fixed mortgage) with Priority Financial Network (FL).
Issue: Settlement process and costs

Complaint: I purchased a home located at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. My loan officer was XXXX XXXX, Branch Manager, NMLS # XXXX with XXXX Mortgage Services. On XXXX/XXXX/15 XXXX provided me with an initial Good Faith Estimate, for an interest rate of 4.375 %, and total settlement charges of {$21000.00}, including a loan origination charge of {$4200.00} and charge points for interest rate chosen totaling {$2600.00} This estimate, as stated on the XXXX page, was good through XXXX/XXXX/2015. Since closing was going to be later, and XXXX was unable to get me the specific interest rate, he sent me a new Good Faith Estimate on XXXX/XXXX/15. This Good Faith Estimate, which was the final GFE sent to me, had an interest rate of 4.625 %, and showed total settlement charges of {$15000.00}, including a loan origination charge of {$1500.00}. This interest rate was good through XXXX/XXXX/15 and the estimate for all other settlement charges through XXXX/XXXX/15. We were scheduled to close XXXX at XXXX a.m. The night of closing XXXX sent me a preliminary HUD with all estimated closing costs. The closing costs were completely different than those listed on the final GFE, including a loan origination charge of {$4200.00} and charge points for the specific rate chosen, totaling {$6800.00}, a difference of {$5200.00} which they said I had to pay or they would withhold closing and I would be out my initial deposit for the house, which was over {$8000.00} and they would not fund my house. As stated on the XXXX page, these are fees that can not change from the final GFE. You will notice on the XXXX page there is a discrepancy. All morning my real estate agent and I were on the phone with both XXXX, and XXXX XXXX, the representative XXXX, trying to get this straightened out. Finally, after over 3 hours or arguing and speaking back and forth with XXXX my real estate agent XXXX XXXX, they took off {$2600.00} from the loan origination fee. They still kept on the charge points totaling {$2600.00}. XXXX threatened saying if we did not close we would be out our money, so we decided to close, but are still very upset that we had to pay the charge points for the specific rate chosen, 1. because we did not get that rate - our rate was 4.625 %, not 4.375 %, which if we were given that rate, would have warranted that additional charge. 2. Because the amount was different than that shown on the final GFE. We are owed that money, and want it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Late fee

Complaint: I had traveled to XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made online payment of XXXX on account balance of XXXX and requested a statement sent to me by email so I can check balance. My account was blocked disallowing me online access after the request, I could n't access online account or reach BoA by the either the toll free numbers from XXXX. 

Late payment was due to my inability to go online to pay on the account. BoA blocked the account access because they thought it was online fraud since I was using foreign network XXXX XXXX to access my account. I had tried to resolve this issue since my return with BoA, unfortunately the representative I spoke with did n't want to hear the effort I had taken to pay on the account balance. I have since paid XXXX original balance ; and have written to BoA to either waived or reduce the late and finance charges of XXXX. I also visited a local BoA office to see if they can help ; unfortunately I was told to deal with their collection agency. 

As of this writing no response from BoA on my petition. I have been a loyal customer since XX/XX/XXXX, I have paid on my account on time, this situation was very unfortunate, and was out of my control. This had affected my credit score created derogatory and negative information on my outstanding credit with all XXXX credit rating agencies. 

I would like your good office to assist me in resolving this issue with BoA to restore my credit score, because it was my very intent to pay on my account during my long absence that was the very reason why I requested for statement be sent by email since I know I will not be around the view my mailed statement. I have never informed any my credit card companies when I travel to foreign countries before. So I did n't know if I had to inform BoA of my trip to XXXX for that matter.

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 07/15/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Was denied retrieval of funds by bank rep/teller by   XXXX   XXXX    XXXX . After asking if I could write down amount of withdrawal ( instead of verbalizing as she requested ) she became rude. She then proceeded to advise me that signature was a non-match. Thus would not be able to disperse me my funds. There is a hold on my debit card preventing me from properly generating use of my 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 04-07-2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Transaction issue

Complaint: I have filed a credit card dispute regarding a health fitness charging my card after they have closed. I no longer have access to facilities but they are still charging my card manually. The phone number on credit card statement is no longer in service however the bank refuses to stop payment on the transactions and are forcing me to make payments even though the gym is no longer in business. The bank that I am having an issue with is Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There 's a XXXX collection on my account reporting for {$780.00}. I 've never done business with this agency and they can not give me a signed contract or proof that I owe this debt. I have disputed this many times over the years. I have sent a written request for the credit bureaus to prove the debt is mine as of XXXX 2017 ; no response or any removal of the account as of yet. This is causing issues with me obtaining credit due to the negative information being displayed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: PayPal opened a credit account for me without my knowledge or consent. I only knew because I got a notice from my credit monitoring service that my account had been accessed by PayPal. When I called PayPal, I was told I had opened the account by clicking on the credit button, checking off the Terms of Service box, and keying in my birthdate and last XXXX of my social security number ... none of which I 'd done. When I escalated to a supervisor, I was told " you obviously made a mistake ... perhaps you have autofill on your computer. '' It was only after the conversation that I searched the web and discovered PayPal had been charged a $ XXXX penalty and forced to pay $ XXXX in fines in XXXX for this behavior. The fraud is still going on. I am 1000 % certain I did not sign up for their credit account, which I requested they immediately close. Still, my FICO credit score has been dinged because of my inquiry to open new credit, which was done without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have two credit cards with capital one each with a paltry {$500.00} limit. As a result of my mother 's XXXX last XXXX I have had to travel frequently to where my parents resided for a week or two at a time. This forces me to pay the total balance on the credit cards multiple times per month in order to have credit for rental car/hotel reservations, travel, etc And though each card has been paid from the same bank account via ACH more than 100 times eachover the course of the year, and the bank account has been verified umpteen times, and there has NEVER been a problem of any kind with a payment,, the computer freezes the payments almost 100 % of the time, with no indication as to why, how long or any other specifics. I 'm always told " it because of suspected fraud '', and since I long realized that the suspected fraud is me paying off the cards, I feel at this point that I 'm being harassed and discriminated against as a result of prior credit issues. 

I have spoke to so many people at Capital One and wasted so much time on this issue that it just simple leaves me numb. I would like it to stop, or alternately to find an attorney willing to sue them on my behalf for discrimination and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (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: After several years of having this account I sighed up for paperless statements and have paid bills through the Citibank app. In XX/XX/XXXX/XX/XX/XXXX the app showed there was no payment due, i called the bank to confirm. They confirmed. Next thing I know I get an alert that there is a late pay on my credit report. I notified the bank and just got a long drawn out process of disputing it through the bureaus. I honestly feel that Citibank is being unreasonable as I have never been late.

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 07/24/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I revieved a notice on my credit reporting service ( Experian ) that I had a pending Inquiry. I looked into the XXXX inquiry and it was stemming from my previous apartment complex ( XXXX XXXX At XXXX XXXX ). The XXXX said that my account was closed and that I should not be hearing from XXXX. They also stated they do n't work with XXXX and sent my my final invoice showing XXXX balance. Experian opened a case on my behalf but XXXX would not agree to even though I have documentation showing a zero balance from The XXXX. Experian closed my case and stated that I should report to CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Reference cfpb-XXXX, XXXX XXXX  states : Our records further reflect that the account has been reported current since service transferring to XXXX and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

XXXX refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. Experian does not arbitrarily report an account as delinquent.

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 03/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Late fee

Complaint: BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. 
This bank rips me off.

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 06-06-2015 about Debt collection (Medical) with HOVG, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On  XXXX   XXXX ,    2017  I received an email from my personal  XXXX  account that a trip ( Itinerary #  XXXX  ) had been booked on  XXXX  trip was booked from  XXXX  to   XXXX   XXXX    for  XXXX ,    2017  through XXXX   XXXX ,  2017 . I immediately went into my  XXXX  Account and noted how the trip was paid for. Upon arrival at home I looked for my credit card ending in  XXXX  from Barclays Bank and noticed it was missing. I immediately called Barclays and reported the card-lost-stolen. I was given credit and sent a new card. Days later I noticed the charges appeared back on my online account. Upon further review the names on the itinerary were listed as my  XXXX  old daughter  XXXX   XXXX  and her  XXXX  old boyfriend  XXXX   XXXX . After speaking with my daughter about this unauthorized charge I calle d Barclays a nd advised them of the situation. I explained that these charges were not authorized and the fact that my daughter is  XXXX  old and unable to travel alone. I was advised b y the Supervisor   XXXX   (   XXXX   )  that this was not going to be covered and that I would be responsible for the charges as the unauthorized charges were made by my daughter. I explained the circumstances and how she was not given permission nor is she authorized on my account to make these charges.  XXXX  said there was nothing he can do that I would be responsible even though the trip and the hotel would not be taken.     I do not understand how Barclays states I am covered against unauthorized charges but yet I am being held liable for the charges. The total amount charged to my card is {$1000.00}. I called  XXXX  on  XXXX / XXXX / 2017  and was advised that I would need to call my credit card company as they agreed this is an unauthorized charge.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I reviewed my credit report and Ally has listed my XX/XX/XXXX payment as delinquent. My payment due date is the XXXX of each month and my XX/XX/XXXX payment was submitted on XX/XX/XXXX. It was not past due as indicated on my credit 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 02/15/2017 about Debt collection (I do not know) with Firstsource Advantage, LLC (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/2017 Trans union system updated my XXXX account informing me that XXXX collections with XXXX had been removed and I was reporting No collections and inquiries from XXXX sources had been removed and added right back. I contacted TU and was told they would look into this and provide a update to me after I submit PROOF of what I was seeing reported. I complied with all the required information and called to confirm all docs were received and was told yes XX/XX/2017. I have not received any information, yet the next file updated from XXXX XXXX only shows all the information was inserted back. I would like all the inquiries and reinserted collection accounts with XXXX XXXX to be deleted as they did not comply nor provide proper notification this info would be re inserted. I would like the inquiries to be removed XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed as reported on XX/XX/2017 ...

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: As a courtesy service my bank, the XXXX XXXX XXXX XXXX, provides my Experian Credit Score. I believed this to be true and factual. However, recently my wife and I applied for a consumer new auto loan and was surprised when the rejection explanation listed completely different credit scores for both of us. XXXX tells me that they used our " lending '' score, along with other factors. Their Notice of Our Decision letter never mentions the term " lending credit score ''. How and why it is legal to provide me, the consumer, false information and misleading information and provide completely different information to lenders? I do not understand.

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 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KS).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: See attached complaint to the Office of Comptroller of Currency. I was referred here. 
All address information is on the attached form. A charge was made by XXXX to my CitiCard for a service that I cancelled. See attached picture of my computer dated today showing my XXXX subscription is cancelled. I disputed the charge to CitiBank, they responded by saying XXXX did not cancel my service and I need to show an email from XXXX saying I cancelled. XXXX provided no such email, but they obviously cancelled my service as evident by the screenshot I've attached. Anyway CitiCard refuses to remove the charge from my account unless I can provide an email from XXXX, who will not give me one. XXXX also said they renewed my subscription, while the attached screen shot of my computer proves they did not.

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX agency has submitted request to delete a XXXX collection account multiple times since XXXX of 2015. Equifax has failed to do so and will not accept multiple forms of written proof of the deletion request. Today I spent 56 minutes and received no help. I ultimately spoke with a supervisor names XXXX in the Office of Consumer Affairs for Equifax. She ( uselessly ) filed another dispute ( this is my 4th identical dispute ) despite having been supplied the information on multiple occasions by XXXX via the industry standard XXXX form. My new ( fourth ) dispute is XXXX. I have faxed written proof on several occasions myself. XXXX was rude and dismissive, often interrupting me to deliver her robotic canned speech. I understand the information must come from the credtitor/collection agency, and it has ... multiple times. I simply do not know what else to do at this point, so I am hopeful XXXX will take a CFPB complaint more seriously than that of her own customer ( I subscribe to Equifax monitoring ).

Company response to consumer: Closed with explanation