milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both XXXX and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely XXXX Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.

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 11/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I called CiTi bank to cancel my account and they left me on hold for 40 minutes then they hung up on me. Really bad customer service. The worst I 've ever came across. Now they wo n't even answer my calls.

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 07/24/2016 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Everyone I called to say that I could n't pay my loan they would put in forbearance and I have to agreed on paying interest. I felt that my situation was getting harder.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Problems when you are unable to pay

Complaint: I have a loan out with credit acceptation and I 'm being harass at XXXX to XXXX to XXXX at night i work XXXX and my boss told them she can not have personal phone calls unless their family issues .so the call any ways so he wrote them and had me signed it but we did n't make copies we just mail it off that no phone calls at work.now my loan is XXXX i been paying XXXX now a month came and i call to tell a manager i would be short i had XXXX he applied you have been in good status so theirs nothing he can do unless I 'm behind so i went paid the XXXX and i have all receipt so i stop paying XXXX and went back paying XXXX and now they telling me I 'm behind and adding late charges like no torrmow and calling all through the morning evening nights at work in bed in the shower I 'm getting a lady calling me threating me i got on a plan where i told them i will pay but i got laid off but i will pay them on the XXXX each month for {$410.00} and they get mad and angry so XXXX continue maying {$410.00} and this month on the XXXX i paid {$500.00} again and the bug me and bug me with private numbers and personal numbers and block numbers all times of mornings and evening and nights and recent today twice yesterday twice. Please help I 'm still paying just hard some time but I 'm still paying and now i have been ignore all calls but i pay faithful thanks, and on time i walk in all the time and i have all paper work.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Other

Complaint: New Information on Discover Card. This company is using unfair, harassing and discriminatory practices while trying to collect on an alleged debt from a lost card. They keep saying to provide information which as been provided as requested. What other information do they want. This investigation process is a sham. They have as much intention of helping as did XXXX XXXX in the XXXX. Everything was for show, and every accused was automatically found guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Good Day : I am experiencing hardship and my mortgage is upside down. I solicited help through HOPE and was connected to XXXX. Who assisted me with my application with Citimortage for a loan modification. My application was sent XX/XX/2015. We were assigned an agent who we found to be very disrespectful of our time. Both the counselor from XXXX and myself were extremely disappointed and filed a complaint with a CitiMortgage supervisor. After our complaint were reviewed, I was assigned to another agent. 

I find that CitiMortage makes it difficult to speak with agents and deliberately makes the process daunting. Also, agents do not keep their appointments which makes the process very difficult. 
After calculating my expenses etc and going over my present hardship. XXXX agreed that I qualified for the Making Home Affordable Program. And suggested what my mortgage will be reduced too to assist me. 

Due to the fact that my XXXX counselor is on the XXXX XXXX and I am on XXXX. We scheduled specific times to speak with the representatives at CitiMortage, who made the process very difficult. 
When, I finally got my application in. The process became very confusing and I felt that either the process is discriminating, or CitiMortgage designs the process to frustrate its borrowers. 
I received a document form Citimortage on XXXX XXXX. Stating that I will receive information concerning my Making Home Affordable Modification Program, Payment Trial Payment Plan. The letter stated that once I met the terms of XXXX XXXX. My loan XXXX be permanently modified. 
After this letter I continued to received other notices that did not make sense. 

I called my agent at XXXX, she explained that the letter usually proceed with your offer. 
Weeks went by and I continued to receive baffling notices. I took time off for my work to call CitiMortgage and no one can confirm that I had received this letter. But they continued to asked me to send more information. 
When I finally spoke to my representative, XXXX XXXX, she finally stated that I should not have received the letter. 
At this point I was exhausted with the process and so was my agent at XXXX who was assisting me. 
However, after speaking to XXXX XXXX, I continued to received notice upon notice from CitiMorgage stating that I have been assigned to a new representative to assist me .... 
Frankly, I have never been so confused about a process and I question a big company like CitiMortgage motives. Once again I am not sure what to think of CitiMortage 's process. 
Please assist me in keep my home and providing me with an affordable mortgage. I am a good customer. 
Thank you 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 explanation
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. ().
Issue: Making/receiving payments, sending money

Complaint: Hello My Paypal Account was suspended in XXXX 2016, and my money was on hold for 180 days. 
After 180 days my money got cleared on XXXX XXXX 2016 the amount was of XXXX . Paypal does'nt allow to withdraw money in XXXX, it only allows to add a XXXX account to XXXX Paypal account . How could have someone got a XXXX account living in XXXX? if they ca n't give their services completely to XXXX they should stop Paypal services there. Now as my money got cleared i need to take it as i have to pay my son 's fee, i waited for 180 days to got it clear, but as my Paypal account is still limited i can not transfer it to any other Paypal, when I contacted paypal through call about this issue their customer representative told me to mail them requesting money transfer to a Paypal Id. So 14 days back on Monday XXXX XXXX 2016 i mailed them giving them the id to which the money should be transferred first i got a reply that this Id does n't exist, i again send the id and on Wednesday i got an email that your inquiry has been escalated and you will be contacted soon, till today nobody has contacted me, i also mailed them first they did n't reply than their complaint department said to do n't use abusive language and rephrase the email so i again contacted them, but still till today XXXX I have n't received a reply from their side, neither do i have got my money in the given Paypal id i.e : XXXXXXXXXXXX ( kindly note that all letters are small ) I 'm in too much pain since i do n't have money When i call them they say to contact them by mail which is also wasting my credit! and when i contact them by mail decently they do n't reply

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Medical) with Computer Credit, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX did not bill my insurance properly and after numerous attempts my not only me, but my insurance company to resolve the debt, they referred me to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian Reporting Agency is reporting my XXXX XXXX Credit Card at a negative status. This account is paid as agreed and 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 03-04-2017 about Bank account or service (Other bank product/service) with KEYCORP (OR).
Issue: Account opening, closing, or management

Complaint: I contacted a representative of Key Bank about a mortgage. The very first thing I told her was that I had a lot of student loan debt and asked if the program would work for me. She said yes. I then told her that I had already had my credit run a few times and we needed to wait for my report to show the correct payments on my student loans. She said I can check XXXX and monitor it for the correct payments, then let her know so she could run my credit. I did this, then emailed her that XXXX did not show the correct payments yet and we should wait. She then said that she had already run my credit report. Not only did I not authorize this, but I explicitly stated I did not want to run it yet. Because of this, I have too many inquiries on my record and my score has dropped XXXX points in at least XXXX of the agencies. This is a measurable difference of over $ 100/month on my mortgage payment, a serious financial damage. This inquiry must be removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under us bank on a mortgage loan that was settled in XXXX by us banks through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through us bank to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold XXXX to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX bank or XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows XXXX or more of these charge. 

XXXX and us bank with the help from the XXXX circuit court of Florida who disregarded the facts and has foreclosed and stolen our home. I will forward XXXX of the XXXX judgment the last XXXX were removed. next please ask XXXX and us bank to submit a certified copy of the actual illegal and invalid mortgage documents they filed with the court. as it differ from the version they gave you what of the frauldant charges by attorney XXXX XXXX XXXX for mandatory mediation that we were never ordered to attend by the court and if mandatory mediation is required by law why did the court skip this step and her response to me in a email was XXXX County does not require mediation. I guest XXXX county has their own foreclosure laws I thought it was Florida law or federal law Moreover, these issues should have been raised by you to the Court prior to the entry of judgment. that would be the same court who does n't believe the facts of the case and a very clever scheme to defraud by nationstar and us bank and what of the relocation expenses for being forced out of our home with less than 45days. please forward this complaint to us bank for their response to this case now that XXXX and us bank stole our home I am formally requesting to file federal charge against all the parities and request that the dept. of justice investigate this matter and look up the court file to confirm my statements. nationstar and us bank needs to stop stalling and formally respond, now that they have completed their fraud and stole our home. I will e-mail all my documents to cfpb and the DOJ

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I co-signed for a private school loan for my son with XXXX XXXX XXXX XXXX and was unable to pay the loan due to extenuating circumstances. The default of this loan continue to be on my TransUnion credit report after the 7 years since it was reported. XXXX did the right thing and removed it once we reported it to the Consumer Financial Protection Bureau but not TransUnion. We were warned by the refinance agencies we would have continued problems with TransUnion and they were right.I believe TransUnion is playing games with the reporting dates and they do not have a date reported category but a date opened in their reports. There are three separate loans by school semester and TranUnion has the dates as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are also showing closed dates on all three as XX/XX/XXXX which is not correct. The loans are not and have not been closed nor has any payment been made on these loans. 

TransUnion has claimed that they can not find our previous disputes but they are so incompetent it is frightening to have such an organization managing your credit history. We have contacted TransUnion on numerous occasions to ask to have this debt removed and been ignored. In XX/XX/XXXX they sent us a letter stating they were unable to locate our credit report. We contacted them again XX/XX/XXXX and still no response. This debt is far past the 7 year retention term for negative  account history and they have cost us considerable punitive damage. TransUnion seems to be finding a way to stall the solution by contacting the source who will not provide honest information. 

Maybe TranUnion should look at the other two agencies who have the dates reported accurate and remove this 10 year old information from my 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 11/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.

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 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Had a  Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in  XXXX  and would not be reopened even after repeated ca lls to Chase cust omer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Applied for a checking account with Capital One with promotional code " XXXX '' and after meeting all the requirements Capital One has only awarded me {$200.00} of the {$400.00} that was stated in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (MI).
Issue: Advertising, marketing or disclosures

Complaint: My prepaid Visa card ( issued by Blackhawk Network ) has a misleading " Funds Do Not Expire '' statement on the front of the pre-paid credit card. 

There is a " Valid Thru '' date that denotes when the card, in fact, deactivates. Once a card deactivates, the funds are not " gone '', but instead require egregious reactivation fees ( {$15.00} fee for a {$25.00} gift card ). 

The problem is that this is misleading consumers when Blackhawk Network says " Funds do not expire ''. It conflicting, confusing, and dangerous for consumers who depend on these prepaid cards.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Trouble during payment process

Complaint: My wife & I signed a note with XXXX XXXX XXXX. We borrowed {$180000.00}, which was to be paid in 240 months ( 20-year loan in XX/XX/XXXX. We are current on our payments, have struggled at times, enough to get a 2nd Mortgage ( {$12000.00} ), in order to not have the home foreclosed upon.

In XX/XX/XXXX and XX/XX/XXXX, fully expecting to have a year or so left before the home was ours free and clear. Wells Fargo, the current holder of the mortgage, printed us a " statement '' of sorts, that said we still had a balance of {$120000.00}, and 13 more years to pay it over. 
Both Wells Fargo and ourselves have been doing research on this loan to see what would cause this issue. Each time they send us a BLANK Loan Modification, that would extend our loan into XX/XX/XXXX.  This " Loan Modification '' has 0 signatures from anyone a XXXX XXXX XXXX XXXX - whom Wells Fargo purchased, nor any signatures of my wife and me agreeing that we wanted to do this Loan Modification. We obtained a 2nd Mortgage for the past due balance outstanding and satisfied the foreclosure, and did not sign to extend our loan 13 more years. Today this is still their stand and final answer.

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 07/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: Ca n't reset password and pay online. Tried to call them couple times before and today. Every time the system put me on hold for almost an hour without an assiciate answered my call. I ca n't wait for that long. Very bad service.

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