milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing statement

Complaint: Amex has recently created new terminologies, which no one else in the industry uses which is confusing and I claim with the intention of charging extra fees. Details : 1. When automatic payments are setup, it can be usually set up to ( automatically ) deduct a. Minimum payment due ( minimum payment and remaining balance and may incur an interest ) b. Last Statement Balance ( including any credits/refunds after the statement generation ) c. Current balance ( entire balance ) d. A fixed amount 2. When it comes to the due date, there are usually 2 options : a. On due date b. On a fixed date Credit card companies have grudgingly embraced the Automatic payments, with varying degrees of difficulty, Amex being the recent acceptor. However, they are trying to hoodwink consumers by providing a new set of terminologies which no one else in the industry uses such as " New Total Balance '', which they claim is nothing but " Statement balance '' but there is no guarantee as they can always twist their own terminologies. I did speak and chat with them but they would n't change. They also do n't have a " Payment due date '' for automatic payments but will only say Statement Date + 15days ... but what if this date is past the " Payment due date ''? Or what if they just change the terminology to +25 days? This, in particular is truly intended to hoodwink the consumers into missing the payment date or paying more. There is absolutely no reason to create new terminologies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: On XXXX XXXX, 2016 I visited XXXX XXXX in XXXX, OH to purchase an used XXXX XXXX XXXX. I had pre-approved financing I had obtained with my bank prior to shop for a vehicle. After we agreed to a purchase price I proceeded to give the dealer my bank pre-approval paperwork as my form of payment when the manager advised me that they may not be able to accept my private financing plus they may be able to get me a better deal with one of their lenders. I told him that I was pleased with the financing obtained with my bank ( XXXX XXXX ) and that I did n't need to check other options. The management continue to pressure and asked me if they could just run the numbers with their lenders, just to compare. I asked if it would affect my credit and they said no. I was then offered a loan with Bank of America with a comparable rate to the one I obtained plus they offered new car mats for taking taking the financing with BoA, their lender which I accepted. This year I noticed my credit score was lower than what I expected and noticed XXXX credit inquiries on XXXX XXXX, 2016 for a vehicle loan that are directly affecting my credit rating. These inquiries were done by the dealer after convincing me to check with their lenders after saying it would n't affect my score. I also learned recently that financial institutions do give dealers a commission for offering their products. Now my credit is affected because of a loan I did n't need in the first place.

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 01-04-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Doctor bill submitted for collection because doctor 's office did not provide updated medical insurance to its billing department. Updated information also included my new address so I never got a notice of the problem. Doctor 's office cancelled the collection on XXXX/XXXX/15, more than 30 days ago, and it needs to come off my credit report and the affect it has had upon my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: Regarding Account # XXXX payment history reported to XXXX credit reporting agency. 
Based on my records, the 30 to 180-days past due occurrences reported in XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at XXXX recommendation during the process of getting a loan modification approved. I established a very strong record of punctuality through over 6 years of payments prior to this modification period, with approximately 73 made since opening the account in XX/XX/XXXX. Any delayed payments after that were held up at XXXX behest and were through no fault of my own. This activity is a direct violation of the XX/XX/XXXXDodd-Frank Consumer Protection Act, and is punishable with significant fines. 
Furthermore, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   .  On   XX/XX/XXXX  b ecause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX I have n ot had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull o n  XX/XX/XXXX  and in  XX/XX/XXXX  wer e both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XX/XX/XXXX . T here was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be re moved  My my cre dit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on   XX/XX/XXXX  w ithout authorization or consent.      2.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again o n  XX/XX/XXXX .  Both without authorization or consent.      3. Prestige Financial Se rvices  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.      4.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted o n  XX/XX/XXXX  Without authorization or consent.       5.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted o n  XX/XX/XXXX . Both without authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit card () with DISCOVER BANK (OH).
Issue: APR or interest rate

Complaint: My husband has had our Discover card for 21 years and has an exceptional XXXX of XXXX years is being charged a 17.24 % APR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Despite repeated written requests for statements for my auto loan be mailed to me. According to XXXX in Collections at USAA as of XXXX-17 my account was still set up for online bill delivery, which USAA has restricted my online access, preventing me from viewing my statement and paying my bill. The paperwork I have received regarding this auto loan are late statements, with no account information or payment stub to submit payment. Yet I was assessed, late fees and if I had not called into USAA collections to make a payment my credit would have been negatively impacted despite USAA 's failure to comply with the fair billing act. Furthermore, all of my remaining external bank accounts according to the USAA agent were restricted and not allowed to be used to make payments. So, I was left with no billing stub to submit payment, and no means to electronically make the payment and with no account statement depicting the balance, interest or status of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I settled on a home on XXXX XXXX, 2015 knowing that I would sell my previous home within the month. I was told I could request a " recast '' with no problems ( agreeing to a {$300.00} charge ) and have my mortgage lowered to reflect that large payment from the sale of my home. I have been trying to get this information from Stearns XXXX XXXX XXXX since XXXX XXXX, 2015. To date I have not had any response from them & every time I call I get another round of excuses & promises that are never completed. I have spoken with several different representatives and everyone gives me a different story. Three times I was told that the information was either mailed to me or emailed to me ; but, I never receive anything. An automatic answering message states that the last time my loan was analyzed was XXXX 2015. That is when I took out the loan! I have been calling @ least 7 times within the last 6 weeks and have heard nothing from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TN).
Issue: Managing, opening, or closing account

Complaint: I am unable to spend any funds on my RushCard. I have waited on hold for more than XXXX hours. I ca n't get anyone to assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called about some things that appear wrong. Some addresse 's I 've never lived? I was told it 's been to long & could n't dispute the items. Some things that also popped out questions regarding loans for a mortgage & I was asked what bank I used my answer was incorrect because I do not own a home! Telephone # s I do not recognize either. Family members I 'm asked to verify in which I did & none were mine! I was told my request could n't be processed due to security reasons! I can not get back into my reports now.

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 01-04-2018 about Checking or savings account (CD (Certificate of Deposit)) with ALLY FINANCIAL INC. (VA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XX/XX/XXXX- opened CD for $ XXXX @ 2 % /12 month XX/XX/XXXX- called in to verify external account for funding CD -opened new CD ( minor ) for $ XXXX @ 2 % / 12 months -opened new CD for myself $ XXXX @ 2 % for 12 months -requested to close CD opened on XX/XX/XXXX and use funds for new CD ( minor ) I was told that I could not close the CD past 10 days of opening it with a penalty but I could wait until the funds clear for the new CD and transfer the funds. If I transferred the funds to the new CD the penalty would be waived. I was told all funds would be cleared by XX/XX/XXXX XX/XX/XXXX- logged on to check accounts and all funds had cleared as I was told. There few more than a few errors however. 
1. My sons name on his CD ( minor ) was spelled incorrectly. 
2. The interest rates on 2 of the CDs was lower than offered when I opened them. They were posted at 1.35 % instead of 2 %. I called in ( hold time is ALWAYS mins EVERYTIME ). 
I spoke with XXXX and told her I wanted to close all accounts and have the funds transferred back to the original external account that funded the CDs. I was told that I could not close the accounts until 6 days after they are opened. This would cause me to incur early withdrawal fees.

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 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase is discriminating against me and opened a brand new business credit card for me and then literally shut it down 1 week later. This is wrong. I have perfect credit. they approved this account, I did not even get a chance to use it and they closed it.
I was a victim of fraud last year and Chase is discriminating against me and closed down all of my cards due to ME BEING A VICTIM > this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have an evict ion from   XXXX   that is coming up on my record and it is preventing me from renting an apartment. This eviction was ordered by a judge to be dismissed and sealed from my record in    XXXX   XXXX   XXXX   . Its still coming up on my record and it is preventing me from renting. I am currently   XXXX   with my   XXXX   kids because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Upon graduation I was required by navient to start making payments, when telling them that I did not have steady employment they still placed me on payments even after asking for forbearance. After some time of making the payments when I did not have the proper funds I asked for deferment they told me that it was not possible and forbearance was the only option. After this was ending they began calling me requiring thousands of dollars per month. upon finding out about this claim I logged into my account to review documentation and it has since been deleted. I do have emails where they are requesting anywhere from {$500.00} to {$5000.00} for a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MD).
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: Incident Date : XXXX XXXX, 2016 Incident : A payment of {$1200.00} on an XXXX XXXX credit card account processed twice. 

Attempts at Reconciliation : I contacted XXXX at the time of the over-payment, at which point they tried to give me credit in the amount instead. As I explained to them, credit is not cash and I would eventually have to pay it back to them with interest, therefore it would in no way constitute a reimbursement. 

They agreed to send me a check, but when I received it, it was for less than {$200.00}. When I called back to ask about the discrepancy, they acknowledged the mistake but told me they could not send a check for the full amount as I had to have at least the amount in available credit to do so. 

I had several conversations with Customer Service since then and was told several different things. I lost my credit card and when I called to replace it today I asked if I could finally be reimbursed. This time I was told - alternately - 1 ) that I needed a BALANCE of at {$1200.00}, not available credit. ( This would require me to spend {$120000.00} to get  a check for it, which seemed completely nonsensical to me. ) and 2 ) when I pointed out the logic flaw, that " it was too long ago. '' Since it took this long due to mistakes on the credit card company 's part, I do not believe I should lose {$1200.00}. Additionally, according to Regulation Z of TILA,  in a case of consumer overpayment, the involved creditor must " Make a good-faith effort to refund the amount of the credit to a deposit account of the consumer if the credit remains for more than six months. '' No such effort was made - in fact, I feel I have been more obstructed by Elan than helped. 

I was ultimately told that I would receive a letter within 10 days detailing their " decision, '' which I did not find promising given my experiences over the past year, so I opted to move ahead with a complaint.

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 01/19/2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeatedly calling after being told not to on a recorded line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (CO).
Issue: Managing the loan or lease

Complaint: I bought furniture through Conn 's and financed it through their company for a period of 31 months @ {$230.00} dollars a month. Conn 's has arbitrarily elected to change the terms of our contract without my consent and increase the term of payments by 4 months. Conns is attempting to make me pay {$940.00} dollars over and above the {$7300.00} dollars I contracted to pay. This is a breach of contract and illegal, with them threatening to ruin my credit if I do n't pay. I have asked for proof of the approved extension and they admitted they had none, during a call I had with their representative on Saturday XXXX XXXX @ XXXX XXXX. I am asking that CFPB take action to protect this consumer from predatory and illegal lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I received a notice from a fraud detection service I am a member of. ( XXXX XXXX ). They showed that I was turned in by USAA Bank for " being over the limit '' on my credit card with them. Since I had scheduled a payment to be made the prior week before the stated " Due Date '' in XXXX, I went in to check to see why USAA did not process my scheduled payment. I have had several intermittent issues with USAA processing my payments over the past few years - some with credit cards and some with premium payment for insurance. Each time I notified them of their problem, but no fix has ever been initiated by them to my knowledge. Once I saw this notice from XXXX, I went into the USAA website to see what the problem was. Again, they did not process my scheduled payment causing this " over the Limit '' issue. I immediately made ANOTHER payment. This time it was processed. The date was XXXX XXXX. The XXXX notice and information passed along to XXXX ( and perhaps other credit reporting agencies ) stated falsely that on XXXX XXXX, my account was " over the limit. '' On XXXX XXXX, I went back into the XXXX account to make sure the supplemental payment I made showed up, as it did on XXXX XXXX. It was there on XXXX XXXX and I made a screen shot of the USAA information posted. USAA provided reports to the credit reporting agency ( ies ) that stated I was " over the Limit '' on XXXX XXXX, XXXX, even thought their own documentation showed otherwise. I notified USAA to report this false report and or the few hours that my account showed being " over the limit, '' provided them with the screen shot and asked them to look into my files to see all of the many other times they did not process my scheduled payments, and asked them to send the corrected and correct information to XXXX and other reporting agencies to clear up this problem they created. They contacted me after a few weeks and said that they " thoroughly '' investigated this and this was not their error. Not sure how this is possible with the facts and evidence I provided, but nonetheless this was their stance. I have along list of documentation history on the scheduled payment problems with USAA, the XXXX Report, the USAA Account screenshot that I can provide to support the statements made herein.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation