milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I received an email in XX/XX/XXXX alerting me to potentially fraudulent charges on my card, and was prompted to select " Take Action. '' 5/3 shut off my card, but never contacted me or sent a replacement. A month later, after not receiving a letter, email or call, I called customer service to get a status, and learned they were waiting for me to resolve the matter, and lied about trying to get in touch with me. A very rude customer service agent was not helpful or pleasant and refused to give dates for times they attempted to reach me. I received a replacement card in the mail two weeks later that i never activated. 

I decided to close out my accounts with 5/3 bank, and was met with rude and uncaring workers at my local branch. I requested assurance that my accounts were completely closed and there was no step left, or action needed on my end to finalize the process. I was condescendingly told that " they had done their jobs '' and that I was completely closed out, but that I should check on line if I did n't believe them. Once I got home from closing my accounts in the branch on XX/XX/XXXX, I saw that the replacement credit card and my checking account had been closed, but that the fraudulent card was still open, even though it should have been closed in XX/XX/XXXX. I called my local branch, which condescendingly told me that the account would n't officially close until Tuesday, XX/XX/XXXX, and when I questioned why XXXX was closed and XXXX was n't he did n't have an answer, but told me to check back on XX/XX/XXXX. 
When I looked today, it was the same story, with the fraudulent card still being open with a XXXX balance, but the other accounts being closed. through back and forth via email, customer service told me that all of my accounts were closed, and when I asked about the fraudulent account, I was told that a supervisor would be reaching out by end of day, and still have not heard from anyone, by phone or email, and my account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the letter from macys for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except XXXX, they are not cooperating, please help this inaccuracy to be deleted from XXXX report thank you

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 11/21/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: I told the bank to stop payment for a mortgage i was going to pay at a later date because I knew i had insufficient funds. They told me that i have nothing to worry about and that they 'll take care of stopping the transaction.I told them again as a reminder 2 days before the trancsaction. I gave them 5 days notice total of the transaction, I later found out they had let the transaction through not once but XXXX, since i didnt have enough funds i was charged XXXX insuffiecnt funds fees for XXXX dollars each. And now they are telling me its my fault for not having the funds even though I gave them a notice to not allow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank Gold Checking account, which stipulated that I would receive XXXX XXXX Miles after following the below instructions : Apply for the account online or call XXXX to apply by XXXX XXXX, 2016 Use promotion code " XXXX '' Make at least {$1000.00} in debit card transactions in the 1st 60 days of opening your account, AND Make at least 1 bill payment for 2 or more consecutive calendar months within 60 days of account opening.

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 03-09-2016 about Debt collection (I do not know) with Hauge Associates, Inc. (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Someone from a phone number listed as XXXX called me on back to back days and I answered the second time but they would n't say who they were with she only would say her name, " XXXX XXXX '' and " it 's regarding a personal matter '' but offered no other information. 
They need to be upfront that they are actually a collection agency which she did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I was targeted for and completed the requirements for a checking account/debit card. The requirements were completed in early XXXX. I confirmed I had met the requirements via online chat and was told I would receive the bonus XXXX XXXX points by the end of XXXX. During the first week of XXXX I contacted Citibank via online chat to ask about my missing points. An investigation was opened and I was refused the points saying that there was no such promotion when I opened the account. A second investigation has been opened and my points are 'pending ' and should be in my account in 60 days. It is ridiculous that should have to wait XXXX months to receive a bonus and jump through multiple hoops to get a promotion that I was offered. I will be very wary of dealing with Citibank in the future.

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 09/26/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Dear Citibank : I am disputing a credit charge from XXXX XXXX XXXX in the amount of {$850.00}, which is included on my statement dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I spoke to the customer service manager about my card ending in XXXX being charged in the amount of {$1000.00}. It was two charges one was for {$200.00} and the other was XXXX. After speaking with the hotel customer service manager I was told I would receive a refund for {$1000.00}. I have only received a refund for {$200.00} and is still missing my refund for {$850.00}. I also see I got a refund for {$4.00} Im not sure what that is for. But as my bank I writing to you all to correct this issue I have been dealing with this since XXXX of this year and this charge was an unauthorized transaction. I have attached a copy invoice where its states I was supposed to be getting a refund. Any questions please feel free to give me a call at 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 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX believes I owe them {$220.00} dollars. However, XXXX can not prove that I in fact owe that money. Now, XXXX has hired XXXX debt collectors who have been calling me at work despite me specifically asking them not to call me at work. 

What happened was the following:1 ) I shipped books to an individual on XXXX in exchange for {$220.00} dollars. I have proof of that shipment via USPS. 

2 ) The individual claims to have received the books and then sent the books back to my home address. 

3 ) I never received the books allegedly shipped back to my address. The " purchaser '' of the books can not prove he actually sent them back to my address. 

4 ) Now, XXXX ( owned by XXXX ) wants me to pay {$220.00}, which I assume XXXX paid the original " recipient '' of the books. 

5 ) Recently, XXXX has engaged XXXX, XXXX-party debt collectors who have been calling me at work. 

6 ) I have told these debt collectors to stop calling me at work and call my cell phone, but they keep calling me at work which is unacceptable. 

7 ) I do not owe XXXX anything yet they will not leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Once again I was out rage with Wells Fargo and them telling lies and slandering me to the CFPB in their response about case number ( XXXX ). They say they have not been able to get in touch with me when in fact I have talked to two of their representatives, XXXX XXXX I spoke with her over the phone on XXXX XXXX late morning, she had left me a voicemail on the XXXX at XXXX at XXXX, so I returned her phone call the next morning., And in fact on that very day I spoke to her twice because I forgot to tell her something and I called her back again. Then on XXXX XXXX around about XXXX or so I received a phone call from XXXX XXXX and she said she would be replacing the above person that I just spoke about. So I have been talking to their representatives all along. The representatives then said that they were told to call immediately and was giving no other information so the information that I share with them was the first that they had heard of it. The problem is with both of these ladies that called they were ready to do the modification based on the old appraisal with the incorrect square footage measurement which causes the incorrect value of the property. I explained to them that in doing this it would make the house unaffordable for me. They are still calling during the evening hours they called on XXXX XXXX at XXXX after I have asked him numerous times to call XXXX the XXXX hours when I am available. I was promised a phone call from XXXX XXXX in the XXXX I waited around as long as I could yesterday XXXX XXXX and of course she never called back. I have no problem with them needing more time, but slander and lies have to stop, I 'm not sure why this continues to happen, it is continuing to further XXXX and worry 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 08/26/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Managing the loan or lease

Complaint: This company is Castle Payday, It goes and has gone under multiple names, Red Rock Lending, and has now changed its name to Big Picture Loans. Avoid at all costs I made the mistake of taking a loan out with these scam artists, I was approved for a {$800.00} loan, but only borrowed {$350.00}. I was told by the Rep on the phone that there would be a finance charge, steep, but I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, over 750 % and that the total repayment amount for my {$800.00} loan would be a well over XXXX. 

Payments were {$350.00}. Even with high interest I figured XXXX or XXXX payments would do it. 

My bank looked into it. Agreed it was outrageous. Now, they tell me theat Castle has come back with legitimate paperwork. 

Well of course they have paperwork. I signed it. At the time it WAS NOT REVEALED that payments were interest only - the loan just builds and builds!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015, I received an alert from a credit monitoring service that I subscribe to that I had an open collection with Convergence Outsourcing Inc. for the amount of {$290.00}. I immediately contacted Convergent and spoke with XXXX XXXX, who informed me that XXXX had sent this account to collections. He stated that I had cable services at XXXX XXXX XXXX XXXX, XXXX, IL. I explained that I have never lived at that address, nor did I ever have services. I explained that I have never received any correspondence notifying me of any debt and this is not my account. I 'm in the process of purchasing a home and ( this account that does not belong to me ) could possibly ruin my chances of becoming a home owner. 
I then called XXXX at XXXX and spoke with XXXX. I provided her with my address and she stated that there was no record in the system. I then provided her with my social security number and she again confirmed that there was nothing in the system except for my name, I asked her how does one get services she said through social security number, she too said that this was very odd. My question is how did this credit collection agency get access to my credit file and destroy it if there is not an account in XXXX system belonging to me? 

Convergent has destroyed my credit, my score plummet XXXX points, and I 'm in danger of losing everything that I have worked so hard for to purchase my first home. My credit file was in great standing. I have no knowledge of this account. I need this account to be removed immediately. This company is using deceptive practices and ruining my credit score and credit file. 
I 'm literally XXXX days away from purchasing my first home, and this negative mark on my credit may have destroyed my dream, thanks to this fraudulent company and their disregard for FCRA. 

I just want this information removed. I have worked to hard to maintain my good credit for this collection agency to take it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have a mortgage with Chase. They have forced placed flood ins. on our property and we can not get anyone on the phone that even knows what a flood map is.Please reply asap the bare charging us 6000 dollars a year and we are not in a flood zone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: US Bank 's customer service is way too slow and really bad. i have had issue with my account 2 months ago and still it has n't been resolved. A lady at US bank made mistake and i got charged over draft fees 6 times. She suppose to reverse the charges 2 months ago. i have to call the bank everyday for last 2 months and keeps telling me that she will do it today but her today never came. now, im tired of calling bank because every time i call, a phone rep. tells me that she is either with customer or in meeting so i leave my phone number but she never calls back. i have to catch her on the phone, calling the bank many times during each day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: - I opened a Citibank interest checking account using the {$300.00} bonus offer promotion  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ).    - In compliance with the offer, I made a deposit of {$15000.00} on  XXXX / XXXX / 2017 , and also completed the 

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 04-03-2017 about Other financial service (Traveler’s/Cashier’s checks) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Lost or stolen check

Complaint: I am XXXX, and in cleaning out my old financial papers, I found I had an unopened envelope from 2000 with an original uncashed check payable to me ( and my son as XXXX ) from Bank of America XXXX, XXXX, NY XXXX, Phone No. XXXX ( since then absorbed by the Bank of America/Merrill Lynch Company ), for {$1000.00} dated XX/XX/2000, and drawn on XXXX, with numbers on the check of XXXX and XXXX, check number XXXX. The check receipt says it is a " cash withdrawal '' and I also recall from numbers on it that it is for a dividend payment to me from a municipal bond interest payment, before those dividends were all transferred to me electronically, from a brokerage firm called XXXX., located in New Jersey where I had an account, and which is no longer in existence but used Bank of America for the financial clearing of its debts. The original address and phone number on the check is no longer valid so I took the stale check and envelope to a local Bank of America bank and asked for a current replacement check for my stale check. No one there, or the phone contacts they called, can tell me how to get a new exchange check for my stale check, as for example the State of Maryland did when I found an old stale refund check from the State of Maryland. Bank of America has had me call BOA customer service on XXXX and I have done so several times and spoken to representatives who take my information but do not call me back. Bank of America got this money in XX/XX/2000 to pay me, and the bank has had it and earned interest on it all this time that I misplaced this check. I want the cash that was deposited with them for me by XXXX., back in XX/XX/2000, but Bank of America or Merrill Lynch will not respond to my request about how to get a new check in exchange for this check that I lost by misplacing it. I can pdf a copy of the check, its payment data, and the envelope.

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 07/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: It has been more than sixty days since my Chapter XXXX was discharged. Ditech Financial promised to release my account to regular customer service. They never did even after calling several times once every week. They raised my mortgage without communicating with me. When I sent the regular payment on XXXX XXXX, they did n't post it to my account. Also they reported my account as closed to the XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian refuses to deal with these issues of fraud

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 11/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: on XXXX XXXX my XXXX year old son XXXX XXXX went into an XXXX store in XXXX XXXX NY to inquire about purchasing a car. In doing so his credit was run. Although he is XXXX years younger, has a different social security number and uses his middle initial " J '' ( I do not have a middle initial ). the hard inquiries are being reflected on all XXXX of my bureaus, which in turn lowered mi FICO scores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I gave countrywide XXXX. To purchase a home, I was just got out of XXXX moving from XXXX to XXXX I got a job with the state. When everything done I got a mortgage that I could n't afford I Contacted countrywide on XX/XX/XXXX occasion to no avail for 2 years I struggled paying the mortgage borrowing fro family members and friend until I could n't get money from no one. I got into foreclosure Bank of America came into the picture offers me little to nothing. A friend referred me to XXXX XXXX XXXX paying them more than 400.00 a month beside other fees I paid in order to help me to keep my house this was another excruciating pain, I had no clue who my lawyers were, never had any info of what 's was going on beside me begging them for information to no avail. Others that I paid for modification, they ran with my money. I did a bankruptcy including my home the bank removed itself from it. I requested a modification with Bank of America they denied me stating I do n't make enough money, the same money I have when I purchase the home. I paid {$300.00} to have a mediation Bank of America said I was not qualified the only thing they could do for me they will sell me the home for XXXX I have to give them {$30000.00} I do n't have they foreclosed my home. I have no money no money to rent I 'm homeless because I trusted people. My last day in the home is XX/XX/XXXX I do n't yet where I am going to live probably in my car. My boss gave me this site to write this 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 12-06-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: It states i opened an acct in 2016 and I did not currently shows that I owe {$2000.00}. They do not have license to collect or contact for debt in the State of Indiana. I want this information removed from all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief