milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Trouble during payment process

Complaint: I have a checking account with Bank of America from which a scheduled monthly payment of {$900.00} is paid monthly to XXXX XXXX, formerly XXXX XXXX XXXX located in XXXX Texas. This payment is due on the XXXX of each month. In XX/XX/XXXX, Bank of America failed to make the scheduled payment, which led to XXXX XXXX 's attempt to collect the mortgage amounts of {$900.00} plus an additional 28.75 %, from my checking account, without contacting me. This happened on XX/XX/XXXX, when I saw that XXXX XXXX was trying to take {$1200.00} from my checking account, an additional {$360.00}. I intervened and called Bank of America to find out what the problem was ; at that time having not ascertained any reason for their action, I cancelled the automatic payment schedule and decided to do it manually on a monthly basis. XXXX XXXX has never made contact to let me know what the problem was. 

On XX/XX/XXXX, XXXX XXXX reported my name to the XXXX Credit Bureau that I failed to keep my mortgage payment agreement. XXXX immediately contacted my bank services at XXXX XXXX XXXX in XXXX Wisconsin where I lived and worked previous and still maintain an account. At first I contacted XXXX and asked that they investigate the claim. However, I have since learned that Bank of America was the company at fault for failing to pay my mortgage on XX/XX/XXXX ( see lay out provided ).

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 02-11-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I went to XXXX XXXX ( XX/XX/2017 at XXXX ) with the intent of doing the 90-Day ( Promotion pay in full with NO CREDIT ) I made it clear I did not want a credit card with the associate XXXX XXXX. 

XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/2017 at XXXX She asked for my name, information, address ETC. I did not sign anything and a few minutes later she hands me a paper saying I have been approved for XXXX. I did not sign anything and they still opened a credit card in my name. I spoke to the manager and she said there is nothing they can do since the associate had already submitted my application ( Which I did not even consent to or sign and basically said its my problem to call XXXX XXXX to close the account ). 

The manager called XXXX XXXX and provided the " Key Number '' as soon as this happened to say that the line of credit will " disappear '' if I don't use it for 30 days. She was denying the fact that they opened up a credit card in my name and said to " not worry '' its a " mattress '' credit card and not a regular " visa '' credit card.

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 01-12-2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: COLLECTOR KEPT CALLING MY DADS CELL AND FAMILY MEMEMSBER 7 TIMES AFTER CEASE AND DESIST COLLECTION AND DO N'T CALL ORDERS. 

WE ARE GOING TO SUE FOR {$500.00} PER CALL

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 02/15/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I submitted a letter to National Credit Systems on XX/XX/XXXX asking them to verify apartment debt and they mailed me back a settlement letter. They completely ignored my request to have the debt validated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with Brennan & Clark, Ltd., LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My former employer 's payroll service XXXX mistakenly issued a Direct Deposit into my account on X/XX/17 almost a month after Ieft the company. I received an email only from the company 's accountant advising of XXXX error and that I would see an in and out of the ACH, as they are voiding the deposit. Which is exactly what occurred. The beginning of XXXX I received a letter from Brennan and Clark collections stating I received a letter from XXXX demanding the money back? As per the letter, I emailed them with documentation from my bank that the deposit was voided, and I actually was charged an NSF fee for the bad deposit. My credit union did reverse this as a courtesy due to the circumstances. After 3 emails and no reply from XXXX XXXX XXXX, I called the representative shown in the letter, he accused me of manufacturing the documentation, was rude, threatening and hung up on me. I have since emailed them documentation including a letter from the credit union confirming what occurred. XXXX finally replied and said I still owe them money? I did n't withdraw the funds from the bank, as it was voided the same day. They are completely unreasonable and it 's XXXX sloppy bookkeeping and banking practices that are the issue. I have included some research into Brennan and Clark 's tactics!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with TD BANK US HOLDING COMPANY (AZ).
Issue: Closing/Cancelling account

Complaint: In 2012 my wife signed up for a Nordstrom Visa, I did not apply. A few weeks later, we both received a credit card, though I was not listed to get one. I noticed a year or so later that Nordstroms Visa was showing up on my personal credit bureau. I do not know how they got my social security #. I called to cancel the card today and was told that I am not able to cancel the card. To clarify, I was not calling to cancel my wife 's account. This was strictly to cancel the account Nordstrom set up for me without my consent. According to the representative, only my wife can cancel the card that is issued to me and is showing up on my credit. I am not able to do so. How is it my wife has more authority over my personal credit than I do? Look, if Nordstrom issued me a card on my wife 's account and it was not tied to my credit then I get it, its up to her to cancel. But, since Nordstrom has put this on my personal credit bureau, it is now up to me. I do not understand how Nordstrom can keep a credit card active ( that has a XXXX balance and is rarely used ) for a customer who requests it be canceled. Please help me here. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been trying to get this situation corrected for a year now but no one in the XXXX 's credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX 's website, i was only able to pull up my XXXX XXXX 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX 's has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, 2015 I received notice from XXXX XXXX XXXX XXXX XXXX that the above referenced account would be closed from their files, and trade lines deleted from my credit file in accordance with the FTC Settlement : to Civil No. XXXX ; XXXX, Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX months later, this trade line still shows on my credit report and is affecting my FICO score negatively. 

I have taken all steps necessary to correct my credit report, however, it appears that I will need enforcement at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to XXXX and TransUnion. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, XXXX and TransUnion. 

XXXX is listed as a Factoring Company. It is listed as an Open Account. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ 2 ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the XXXX, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.

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 01-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX XXXX 2017 ( XX/XX/2017 ) I received a call from a Bank of America representative to be precise fraud department telling that, there is fraud going on regarding phone numbers associated with customers account, I said okay then she said for verification propose she was going to send me a text to my phone for clarification and identification which she did and I verified. Not quite two hour I log into my account and I saw the sum of XXXX XXXX XXXX XXXX dollars being debited from the account been pending I called Bank of America right away, I was transferred from one department to the other until finally someone told me that the department responsible for such matters is closed, that I should call the next he gave me number to call.

When I did call the next day I was instructed to go to the bank office and open a new account and the current account in question will be temporary suspended pending investigation, what ever I have balance will be transferred to the new account that it might take ten business day for the investigation. After ten days I called and I was told that they sent me an email which actually I saw but was n't sure if that was from XXXX XXXX XXXX because it was not easy to access. Eventually I was directed on how to open it but before that the representative told me that my case was denied. I have been trying to reach Bank of America that I have nothing to do with such transaction they have been very adamant about not returning my money, hence I decided to reach everyone that can help in collecting my money for this have cause a great hardship to my family through the Holidays. Thanks XXXX : I am unable to attach the 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 monetary relief
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with MOHELA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX I am again writing about my high irest and high principle on my student loan from MOHELA. I am writing about the fact that the principle has doubled since the inception of my loan. I am writing because I think the interest rates and the enormous of money I now owe is completely unfair. 
For me, this began with a collection of student loans XX/XX/XXXX. I attended graduate school with the loans. I suffered a bankruptcy and a divorce. My loan as of XX/XX/XXXX was {$55000.00}. It now totals {$97000.00} because of an inability to meet payments and a series of forbearances. Forbearances that MOHELA encouraged me to do. I believe that I have never made a late past XXXX day payment. I have never been reported to the credit bureau in my payment history. I have never defaulted on this loan. I have been paying direct loans and MOHELA {$450.00} a month for quite some time which I had met every month on time. As of XX/XX/XXXX I began making a monthly payment of {$760.00}. My interest rate is XXXX %. Why can I not lower my interest rate to a reasonable level like my mortgage which I was recently able to lower XXXX %. That along with a reasonable student loan payment will allow my family and I to pay our bills. I work XXXX jobs. My wife works. I have my own student loan, a child and a step child with student loans. I have a family of XXXX living in my house. I have a huge interest rate with MOHELA not to mention the fact that my loan payment has increased to a value of {$97000.00}. 
I do not think my interest rate is fair. I do not think it is fair that I am paying {$97000.00} for an education that actually cost {$55000.00}. I have shown that I willing to pay in a responsible manner. I pay every month and I pay on time. It is not fair that I have this enormous amount of debt that exceedingly surpasses what my initial principle balance should be. It is not fair that others are having their loans forgiven and or the idea that legislation is talking about free tuition for state schools. 
I have written letters to politicians that have attempted to help me. XXXX such advisement was from the office of XXXX-Ives telling me to contact a " XXXX, Ombudsman '' who apparently has not been interested enough to speak or write to me about my complaint. 
I am asking you to help me with this matter. A matter that I have asked MOHELA to address. A matter that MOHELA could obviously care less about. It is completely unfair that I am being asked to pay DOUBLE the amount owed for my education. That is pure greed. All MOHELA wants to do is to make as much money as they possibly can from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Balance transfer

Complaint: I transferred a balance to a Capital One credit card as part of a 0 % promotional interest rate. I want to stay on top of the promo offer and pay off the loan/balance before it starts to accrue interest. Unlike other issuers, Capital One does not make it easy to find the end date for the promo offer. It is not located on their monthly statements or anywhere on the online account center. I had to start an online chat with a Capital One representative to find out this information and they were very unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Billing disputes

Complaint: I recieved a call from Barclays today about a rebill on a card which has been closed since XX/XX/XXXX. I am unclear on why this rebill has been allowed and on why I am unable to dispute it. I was told that past phone calls have not been returned because an employee was on vacation. I was also told that Barclays lost ( at least XXXX ) dispute letter which I sent in. 
I also asked for clarification on XXXX more disputed charges. One involved XXXX XXXX. One involved a XXXX XXXX XXXX. Barclays refused to provide me with information on these disputes, to explain where they are in the process of disputing them, or to credit my account. 
Finally, I asked for access to all phone calls, or transcripts thereof, that Barclays claims I had with them. Barclays claims that I approved a rebill. I do not recall doing this. They also have, in the past, lost materials related to the XXXX above disputes. Both of the above disputes ( XXXX XXXX and XXXX XXXX ) were initially called in within 60 days of services not being rendered. Barclays seems to have unclear records on this matter. 
Fighting this unfair charge has become a great burden of time and mental stress. I would ask that Barclays clarify that my account is completely closed, that I have no balance, and that they will refund to me the disputed amounts from XXXX XXXX and 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 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I, XXXX XXXX, received a collection notice from Credit Collection Services. The creditor named is XXXX XXXX. The amount of the debt is {$1300.00}. I do not owe XXXX XXXX. I simply switched to XXXX upon renewal as I simply could not afford XXXX XXXX after they increased my rate XXXX %. As a consumer, I have the right to cancel insurance and switch to a more affordable policy. 

Now, XXXX XXXX is threatening to destroy my credit. I am disputing the validity of this debt and will be seeking legal counsel. I have attempted communication with Credit Collection Services but all they 're interested in is collecting money as the are a debt collector. There 's no concern for the consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have registered a new credit card of Amex XXXX XXXX XX/XX/XXXX. 
There was an offer which is a sign-up bonus of XXXX XXXX points after spending {$3000.00}. 
I had spent over {$3000.00} XX/XX/XXXX then paid off when I got a billing statement. 
After spending over {$3000.00} they, Amex, has not given the XXXX bonus yet. 
I have tried to figure it out 4 times with chatting and calling but they only said that your case is investigating. They gave me a time frame of 6wks and 8wks to be completed but it is still expanding forever. It seems like they do n't want to give the bonus and are willing to be a thief in XX/XX/XXXXnow. I know many people who made Amex XXXX card at the offer period and they have not received the bonus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. The accounts are fraudulent and dont belong to 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 explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On   XXXX   XXXX   XXXX    , Citibank credit card company sent me a letter stating that their records show that I was previously enrolled in a company program called  Credit Protector  for which Citibank charged me a monthly fee. The letter then states that if I was enrolled in this program without my knowledge ( I wa s ) t hen go to their web site to submit a refund claim. When you go to this web site, it does not let you submit a claim. My reference number is **************** and the  Tracking Number  is  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 06/15/2015 about Debt collection (Medical) with GLA Collection Company, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX coded my emergency visit under dental so insurance was not covered. The bill was very high and could not pay for it so they sent this over to collections. The company called me several times and said that if I paid them this would not affect my credit in a negative manner. They put negative remarks on my credit even though they were paid

Company response to consumer: Closed with explanation