milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: Per the attached Home Affordable Modification Agreement, I'm confused by it's wording. I want to pay off the balance early but when I calculate the amortization schedule it calculates out to a 37 year, 1 month payoff schedule. Per the chart in the attached file named " Existing Loan Information XXXX '' : The listed " Contractual Remaining Term '' of 37 Years, 1 Month. The listed Contractual Payoff Date is XX/XX/XXXX so only 17 Years 7 Months from date of XX/XX/XXXX and not 37 years, 1 month. 

In addition, page 2 of the HAMA shows years 1-21 and  total monthly Payments of XXXX from XX/XX/XXXX. I understand and accept there is a deferred principal balance balloon payment of {$21000.00}. I'm disregarding that balloon balance in my calculations but using my current balance of $ XXXX 4.00 % interest and a current P & I payment of {$1200.00} to calculate amortization schedules. 

I need a knowledgeable representative from my current servicer Bank Of America to contact me and explain the amortization to me. I would also like some options in paying it off early.

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 08/17/2017 about Credit card or prepaid card (Government benefit card) with Comerica (AZ).
Issue: Unexpected or other fees

Complaint: Money deposited on XX/XX/XXXX. I advised Direct express XX/XX/XXXX of unauthorized fraudlant activity. 2 amountsvi explained to rep one fot XXXX another for XXXX Rep explained i would recive via, mail paperwork for me to summit with any unauthorized charges. There were one other truthfinder and magazines. Also, i had to obtain another card. I paid for 2 day shipping for card. I did not receive the card for 4 dsys. I was able only to speak to the dispute department one time when i first moticed. Now i sre those charges, as paid. And i am having a hard time financially afraid i wint have enough money to pay remaining bills.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I 'm trying to ge t a cash advance trough   XXXX   XXXX   and td bank refuses to send an update on my account in a timely matter they are costing me money! This bank is one of the most unhelpful bank I have ever had all they care about is making money and   they do n't care about the customer!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Since around XX/XX/XXXX, I have probably received well over XXXX phone calls for people trying to collect an XXXX bill for a XXXX. I am not that person. 

I have filed well over XXXX complaints with the Federal Bureau of Investigation regarding the hanus crime of robo calling. you guessed it they used a f'in machine to call my house. I would argue the volume of calls violates the Fair Debt Collection Practices Act, and every single call violates the Telephone Protection Act of 1991. 

Recently I was mailed a complete list of every single payment or wage garnishment XXXX has made including his XXXX contract i am thinking that must violate some type of privacy law. 

XXXX has never lived with me, nor have I ever met the guy, but I think he gets more mail to my home than i do. 

I do indeed owe Federal Student Loans I get enough robo calls about my own XXXX loan. Never mind this guys.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Our Landlord, XXXX XXXX, wrote a letter in XXXX 2015 and told me and my fiance that we owed them an amount of money that was incorrect. We had no security deposit. Our lawyer wrote to XXXX XXXX and the person XXXX XXXX, our lawyer spoke to at XXXX XXXX agreed the amount owed was incorrect. She agreed to send another letter with the correct amount owed by us to our lawyer. She never heard from XXXX Properties again, and nor did we. In XX/XX/XXXX we received a letter from a collections agency. We did not immediately respond to the collections agency because we had already had a run around with the landlord. My fiance did tell the collections agency that we were represented by an attorney. The collections agency reported this alleged debt to the credit agencies before we ever were able to agree or disagree about the corrected amount owed with our landlord. Our attorney wrote to both the collections agency and the landlord regarding the laws that they had violated and neither has responded to our attorney at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Equifax has billed me for a year subscription at {$170.00} per year. I called on XX/XX/XXXX to tell them I only wanted this last month. I just checked my billing and the charge was still on there. They were suppose to refund me {$160.00} I spoke with them on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a promotional offer by email on X/X/2017 for opening a Citibank XXXX XXXX credit card. Promotion indicated I would receive XXXX miles in my XXXX XXXX account if I spent {$2000.00} in the first 3 months. I met the spending requirements but never received the XXXX pts in my XXXX XXXX account. After numerous phone calls to both XXXX XXXX & Citibank, I was informed I did n't meet eligibility requirements due to some technical details in the fine print. Apparently Citi has a method for determining eligibility. This should be factored in before sending the promotional offer ... and certainly again when the application was submitted before the card was issued. I never received notice I did n't meet requirements until I inquired 6 months after the credit card was issued. I find the practice extremely deceptive. After lack of resolution, I cancelled by Citibank credit card and will not conduct business with Citi unless this is remedied.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested a copy of my experian credit report and notice several inquiries that I did n't authorize. I also had a breach with  XXXX , but they rectified the problem immediately. I wrote a letter to experian explaining to them that someone was inquiring about my credit report without any consent from me. I was advised by experian that I had to contact the creditors directly and advise them of the unauthorized inquiries and they will notify the credit bureaus and the inquiries will be removed. I wrote each and every company that inquired ab out my credit file without authorization from me, it has been over 60 days and I still have not had any reponse. In the meantime I also aquired a police report as this situation is causing great harm to my credit score an d making me not credit worthy. The inquires are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Im trying to get my free annual report and its not letting me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

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 12/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a child support arrearage dated XXXX at {$11.00}, XXXX. I currently have filed a lawsuit in XXXX Court that my rights were violated in relation to this due to improper service of summons as I was homeless when the judgment proceeding happened and a summary judgment could n't be made this will get started by XXXX XXXX, XXXX. Since XXXX I have been working and paying child support plus 20 % toward arrearage per state law. I was charged prime+10 % interest for this arrearage, which doubled the amount to around {$25.00}, XXXX over 2 years, when I was n't employed and homeless. Despite having the interest turned off after one or more years of on time monthly payments, it is still reporting as the wrong amount, and despite my on time monthly payments through the state, it still is now reflecting as 120+ days delinquent on my credit reports. I have submitted complaints to XXXX and Equifax to get the right amount from the state, but they have not. The state DHS Child Support office tells me the balance is below {$24.00}, XXXX, although the county currently still tells me it is above {$25.00}, XXXX. It is reporting wrong. With no interest compounded since XXXX, and the +20 % payments each month of approx. {$120.00} per month, it should be getting smaller, not larger. I estimate it should be less than {$23.00}, XXXX There are no Public Assistance Arrears associated with this either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Advertising and marketing

Complaint: I applied for a Southwest Rewards Premier Visa card towards XX/XX/XXXX in order to receive XXXX bonus points for Southwest Airlines. I was approved and on my first statement cycle, I met the requirements to earn the promotional points. The statement in the advertising said, " To qualify for your bonus points, you must make Purchases totaling {$2000.00} or more during the first 3 months from account opening. Please allow XXXX to XXXX weeks for bonus points to post to your Rapid Rewards account. '' I spent the required dollar amount within the first statement cycle which ended on the XX/XX/XXXX. I made the purchases in the time frame I did because of the statement saying " please allow 6-8 weeks for bonus points to post to your Rapid Rewards account. '' On the XXXX, the points were transferred within the same business day to Southwest Airlines and into my Rapid Rewards account. Because of this time frame being significantly outside the stated XXXX week time frame, the promotional XXXX bonus points did not post in the XX/XX/XXXX calendar year like it should have in order to be counted towards my companion status. When I made my decision of when to apply for the card, I went by the stated expectation time frame for awarding of points as 6-8 weeks. Had it said " up to 6-8 weeks '' I would n't be upset, but had I known that they would have been awarded and posted on the statement close date, I obviously would have not spent the required amount in their first statement cycle or would have applied for the card a week or two later. 

I feel that if Chase were up front with their customers about how long it takes for rewards points and to let the customer know when they receive their card what their statement cycle dates will be. For me, my statement date started XX/XX/XXXX, but I did NOT receive my card until the next week. Again, had the statement date been given, and explanation of time frame for points to post to the Rapid Rewards account, consumers can make better choices and better manage their spending if they are trying to achieve something specific. 

The wording in ALL of their advertising for promotional deals is VERY vague and misleading because it leaves too much to interpretation. It also leads customers, like myself, to have a reasonable expectation to take statements on advertisements like " Please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account '' as a definitive time frame. If this expectation is being given as written, and this is a direct quote from their current advertisement ( and was the same as when I applied XX/XX/XXXX ) than it is reasonable to assume that consumers are going to expect and will plan on it taking that amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Comerica (TX).
Issue: Problem adding money

Complaint: XXXX   XXXX   ACCOUNT ... COMERICA BANK DOES N'T SEND UPDATES FOR MY ACCOUNT IN A TIMELY FASHION

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2016, I attempted to initiate an Automatic Clearing House ( ACH ) transfer from my XXXX at HSA Bank ( a division of Webster Bank, XXXX. ) to an external linked and verified bank account. HSA Bank 's online portal would not process the transfer, because it is greater than {$500.00}. I called HSA Bank 's Customer Service Center at XXXX and spoke to a representative " XXXX '' who confirmed that HSA Bank has a new policy limiting outgoing transfers to {$500.00} per day. I protested because there is no language in my account 's " Deposit Account Agreement and Disclosures '' that references or allows such restrictions on withdrawals. First, she maintained that a new Account Agreement has been sent to account holders, but I had not received it yet. On further questioning, she admitted that no notice had been sent to account holders, and that this was a new internal policy, which was allegedly put into place due to fraud. She was unable to direct me towards language in the account " Deposit Account Agreement and Disclosures '' that allowed such restrictions, and was surprisingly unable to provide me with at copy of the current " Deposit Account Agreement and Disclosures. '' As an alternative arrangement, she did suggest that I could contact my regular bank and obtain a cash advance to pay for medical bills. 

These practices are improper and concerning for several reasons : 1 ) There is likely no legitimate reason for the {$500.00} daily withdrawal limit other than to limit consumers ' access to money 2 ) This does not conform to " general banking practices '' in XXXX or in the XXXX 3 ) If in fact, HSA Bank is having significant fraud problems with ACH transfers to *verified* external linked bank accounts, this should raise a red flag about the overall security level and internal controls at HSA Bank XXXX 
4 ) It is interesting that HSA Bank has no problems accepting incoming ACH transfers greater than {$500.00}. 
5 ) The {$500.00} daily restriction is so incongruent with the essential nature of an HSA ( i.e. paying individual medical expenses, which often exceed {$500.00} ) that XXXX wonders if this account can truly function as an XXXX. 
6 ) The advice to obtain a cash advance from my primary bank to pay a medical bill is very poor advice. 
7 ) Although I agree than HSA bank can limit withdrawals when fraud is suspected, applying a blanket and arbitrary policy to all accounts is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. 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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau Transunion.   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never 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 08-03-2015 about Debt collection (I do not know) with CL HOLDINGS LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was employed in XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was employed in the XXXX of XXXX, my identity was used to open accounts. 
I have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. 
On XXXX, it indicated removed but then it re-appeared. It is contradictory postings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Monthly payment for XX/XX/XXXX made on XX/XX/XXXX, debited from my bank on XX/XX/XXXX.
Shortly after making payment, enrolled in direct debit/automatic payment for slight reduction in interest rate ( not notified, found on their site on my own ).
After enrolling in direct debit, account summary showed that I had a new payment due for XX/XX/XXXX on XX/XX/XXXX.
Suspended direct debit for one month to avoid making two payments, and contacted FedLoan customer service to address the error. Was told that they would correct it in their system.
Followed up with FedLoan on XX/XX/XXXX when my account still showed a payment due on XX/XX/XXXX. Was told again that they would correct it in their system but that it would take 10 days for it to be reflected on my account summary.
Checked my account summary on XX/XX/XXXX and it still showed payment due for XX/XX/XXXX.
Notified via email that my payment for XX/XX/XXXX is three days past due onXX/XX/XXXX. Called FedLoan customer service which then verified I had made a payment for XX/XX/XXXXand that it had been applied to my account, and reassured me they would correct the error.
Received another email on XX/XX/XXXX stating my payment was one week past due. Immediately sent them an email describing the series of events listed above, have yet to receive any response other than they have received an email from me.
As of XX/XX/XXXX my account is showing a payment made for XX/XX/XXXXon XX/XX/XXXX, and payment due for XX/XX/XXXX on XX/XX/XXXX, and a direct debit payment scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I returned a cable box and router to XXXX XXXX XXXX XXXX and they sent my balance to collections anyway when they said they would n't.

Company response to consumer: Closed with explanation