milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Unsolicited issuance of credit card

Complaint: I use XXXX XXXX on-line banking to pay my bills. XXXX of the payees is for a Citi XXXX ending in XXXX. In the last several weeks, I requested XXXX XXXX to obtain e-billing from Citi for this credit card. This request apparently allowed Citi access to my on-line banking account. When I checked my on-line banking account on XXXX, I discovered that the information regarding card ... XXXX was missing, and it had been replaced with another Citi XXXX ending in ... XXXX. In addition, all summary information ( monthly payment info ) for card ... XXXX was now missing. However, the summary info for card ... XXXX now contained the information that would have been correct for card ... XXXX. 
I should stress that I am receiving billing statements from Citi only for card ... XXXX. I have never applied for or authorized card ... XXXX. 
It is my belief that card ... XXXX is a ghost card account opened by Citi without my permission or knowledge, similar to that which XXXX XXXX was recently investigated for. I have contacted Citi requesting all applications or other paperwork regarding card ... XXXX. The request to Citi contained the complete card number for ... 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 04/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is refusing to update my tax lien status. I have given them proof that these tax liens have been paid and released. The refuse to update the information as paid and released. My Iowa tax Lien is paid and released They are now refusing to allow me to dispute information in my credit report. 
This is the information that is on record at the court house : Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$10000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX It shows released on XX/XX/XXXX, The other tax lien XXXX XXXX XXXX Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$2000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX. These are showing RELEASED and Transunion will not release the information. 
I am in the process of purchasing a home and Transunion is no the only company that will not update information. 

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 03/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have previously filed a complaint that is still pendingresolution. My new complaint is Nationstar Mortgagedisbursement of my last month payment. They appliedall my payment to the principle, added late fees and nowwant 2 months payment. They are charging me escrowfor insurance I pay for directly to my insurance company. 
I have many other complaints with Nationstar but firstI need to get my mortgage payment corrected

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. 

See attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NM).
Issue: Account opening, closing, or management

Complaint: I submitted an application for an account with Citibank on the understanding that I would be eligible for a promotion with XXXX XXXX upon completing certain hurdles. 
I completed said hurdles, and contacted them XXXX XXXX as to why I had n't received the promotional miles. They stated they would open a case and look into it. I contacted them again XXXX XXXX, and I was told I would have an answer in XXXX to two business days. I contacted them again XXXX XXXX, and was put on hold via their chat system indefinitely ( disconnected approximately 3 hours after the rep said it would be just a few minutes ). I contacted them again today and they said that I was n't eligible despite fulfilling the hurdles. I 've also incurred a {$30.00} fee during my wait for them to act, which they said they would n't waive.

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 03/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing/Cancelling account

Complaint: I had a secured credit card with Capital One. I provided them with a deposit of XXXX and was granted a credit line on XXXX. 
On XX/XX/2017, i cancelled the card and was told via a webpage message that my deposit would be mailed. 
On XX/XX/2017, i, contacted customer service because i have yet to recieve my deposit check. They said it had been mailed and that i should recieve it within 5 business days. 
As of XX/XX/XXXX, i, still have not recieved my check. I called customer service and they said i would have to wait until XX/XX/XXXX ( over 60 days ) for my deposit check. 
It will be close to 3 months for me to receive my money. Its unacceptable and i consider it a seizure for interest profitting with money which is not theres. 
I want my XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint XX/XX/XXXX, case # XXXX. I have not heard anything that has happened with my complaint. Since then, I also have new contact information for myself which hopefully I can change when done here. From my original complaint, I never heard anything from Green Tree other than they would look into it. I have since sold my house and had to take out a hard money loan to pay them in full since nobody at GT would talk to me. Again, this all stems from their inability to work with me at all over a year 's time ( please see original complaint submission ). I did pay them in full XX/XX/XXXX. I received the " paid out '' note back from them 3 weeks ago-5 months later! I just recently ran credit on myself and was distraught at discovering that they are still showing a large balance out there with the words " unpaid balance charged off ''!! This is really amazing given the amount of work I went through to pay them in full at closing! I have tried to talk to someone at GT again to no avail. I will contact the credit bureaus to dispute this however the damage to my credit has already been done. I am truly at wits end with this company and not really sure the CFPB is helping in any way.

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 06/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Billing statement

Complaint: XXXX XXXX ( XXXX ) does not provide their account holders credit card on file with detailed transaction information. The information is batched into single transactions billed to XXXX , XXXX My family just discovered that XXXX XXXX XXXX XXXX has been billing us for over 2 years for hundreds of dollars ... ..all unauthorized. XXXX will only credit 60 days. We had no way of knowing of fraudulent charges based on our American Express charges monthly and this is wrong. Am. Ex & XXXX need to provide detailed transaction reports so a consumer can readily detect fraud. Please help me get credit for the numerous unauthorized transactions from XXXX on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: This summer I started the process of refinancing my home with Bank of America to lower the monthly payment. 
When I initially spoke to the loan officer, around XXXX XXXX, 2015 the discussion of the configuration of my home was discussed, that there was a guest suite in the lower level of the home. A friend of mine is staying there at this time. There was no discussion that this would be a problem. 

After I satisfied numerous concerns that were raised as to income, insurance etc. there was a call XXXX asking for a charge card so an appraisal could be done. At this point the only concern The loan officer addressed was that the house would appraise at least {$180000.00}. At this point there was no mention of any problems. The fee charged on XXXX XXXX was {$460.00}. 

After the appraisal was completed, I was asked to provide another letter of explanation for XXXX items. After I provided these I did not hear from the loan officer until I contacted him on XXXX XXXX to ask the status of the loan. When he contacted me he stated he had made multiple attempts on getting an update, there was nothing left remaining on my file. He was to double check. 

On XXXX XXXX late in the afternoon I received a call stating that the underwriter had refused the loan because there was a kitchen on the lower level. This was the first time this issue had been raised. This is a fairly common configuration in houses in this area. 

Needless to say I am concerned about the money I have invested in the appraisal of this property and would like to address my dissatisfaction with the way this matter has been handled. If this loan does not go through I would like to be reimbursed for this expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I believe I am being asked for irrelevant information from my bank when I applied for a {$25000.00} loan for a {$75000.00} property. This has been three weeks of asking for sometimes duplicate information or impossible information. For example, my mailing address is different from my street address and they need 'proof ' of that. I told them it is a gated community and EVERYONE has a box within the community mailroom but they 're insisting that my mailing address is actually a property. I have no proof but that ca n't possibly be a unique situation. I also have a annuity that they 're asking for a three year continuance award letter. There is n't any because I could simply take it all out one day ; it 's an annuity. No guarantees. I do n't know if they do n't know what they 're doing, but every day they 're asking for some other 'proof ' of something. I signed a form to give them permission to get a copy of my tax records three weeks ago and yesterday they just asked me for a copy of my tax returns for XXXX and XXXX. It just goes on and on. They should have given me a list of what they needed, but instead, different people contact me for different things. We have an excellent credit record and assets to more than cover the loan, I feel as if I 'm being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chrysler Capital closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX , Chrysler Capital removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a 3rd party agency showed up on   XXXX   by the name of  XXXX   XXXX   XXXX , but not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau bu t not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression Chrysler Capital may have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the  XXXX  inaccuracy dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A debt collection Agency left a message at my work identifying themselves as a debt collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   XXXX    CFPB : JPMChase, in a letter dated   XXXX   XXXX   XXXX  ,  XXXX   XXXX , mentions "  XXXX   XXXX  '', without explanation. Any documents that I  XXXX  have had concerning "   XXXX   XXXX   '' were stolen by JPMChase  Contractor  "  XXXX  '',  XXXX   XXXX ,  XXXX .   I demand that JPMChase return to me my documents concerning "  XXXX   XXXX  '' that "  XXXX  '' stole from me.   I demand that JPMChase, furthermore, provide me detailed information about "   XXXX   XXXX   '', including, but not limited to, authorization for the existence of "   XXXX   XXXX   '', full legal names, contact information, position titles, pay grades and salaries of "   XXXX   XXXX   '' employees and any and all special mechanisms for complaining against "   XXXX   XXXX   ''.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Customer service / Customer relations

Complaint: I have a store credit card with Walmart. Several months ago, I had a balance, but because I was about XXXX days late, they took about half of the amount as a late fee, instead of charging it to my account. This month I went over my balance XXXX {$2400.00} XXXX by {$53.00} and change, and got a payment due of about {$170.00}. If I had not gone over, my payment would have been {$68.00}. I do n't think they should be allowed to charge the consumer like this. I sent an email for an explanation of why they charge like this, but so far no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has imposed a litigation management fee for no reason. The fee is {$1000.00}. The fee has no explanation, no notice. I never received any notice that a fee was being imposed and question whether this was a fee imposed as a result of my MANY complaints filed against Bank of America. I called and spoke with a customer rep who informed me that she believed this was a XXXX fee but couldnt explain. I do not pay a XXXX fee. There was no explanation provided on any document. My invoice has the line item mixed in with other activity without any explaination. I asked to be transferred to XXXX XXXX my customer service rep but was transferred to the automated line. I truly believe that this fee was imposed as a result of my many complaints. I will not pay this fee.

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 10-07-2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing statement

Complaint: Macy 's has changed their online system and as a result I have been unable to access my balance, account information, statements or make a payment online for months. I do not receive a paper statement and have had difficulty getting account and transaction information from telephone. I went into the store received a receipt print out of my balance on XXXX/XXXX/15. I received a slip showing a balance of {$220.00}. I paid that balance in full and made a purchase for {$120.00}. I called XXXX as instructed by the error message when I tried to get my online information, they were unable to assist me in getting online and the telephone rep was confused about my balance. He was unable to give me a balance that makes sense according to the store balance printed on the receipt and the payment I made. I have spent over XXXX minutes on the phone trying to get assistance without resolution and am not sure how I can resolve this at this point. It seems extremely unfair to not provide accurate account transaction and balance information and access to make payments.I typically pay in full and without the ability to know balance information I could have interest charges I would normally not have. They will not give discounts unless you use your card but wo n't provide account and balance information accurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize inquiries done on 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 07-07-2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: ADDITIONAL INFORMATION RE : CFPB COMPLAINT # XXXX Dear Consumer Financial Protection Bureau, Yesterday, XXXX/XXXX/XXXX, I submitted a complaint regarding Union Bank. I wanted to add for your records that I have had XXXX major problems with this bank : 1 ) XXXX XXXX -- an unscrupulous debt collector, XXXX XXXX, an attorney in XXXX, XXXX, called me repeatedly at work over a very old credit card debt. In order to stop this harassment at my workplace, I very unwisely agreed to have $ XXXX/month payments taken out of my checking account. The original credit card debt was about {$500.00}. 
Sure enough, XXXX office took withdrawals of {$500.00} here, {$300.00} there, another {$500.00} there, etc. My bank account, much to my dismay, was completely cleaned out by XX/XX/XXXX. At least XXXX or XXXX checks bounced. My brother-in-law and I then met with a Union Bank officer, XXXX XXXX, in the XXXX, XXXX office in XXXX XXXX. I filed a claim with the bank, and said I had only agreed to {$100.00} per month deductions to XXXX. The Risk Management/Loss Prevention department at Union Bank headquarters in XXXX, XXXX denied my claim, however, as they said I had an oral agreement with XXXX. I expressed much concern over all of the unsigned, electronic drafts that were made to XXXX, even though I had never approved of any of those amounts. My protests were to no avail. I should have hired an attorney at the time, but I could not afford one. It was an extremely painful lesson. I did file an online complaint with the Attorney General of the State of XXXX, but I never heard anything back. 
2 ) XXXX XXXX - XXXX XXXX -- I received a new chip and pin debit card from Union Bank XX/XX/XXXX. The card did not work, however. My purchases were denied, and my automatic payments to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX were also denied, which caused my auto insurance to be canceled twice. ( I pay the insurance on my car, and also on my mom 's car. ) I was then sent a second chip and pin card ... that card did not work either. I actually went five weeks without any kind of a working bank debit card. Finally, the president of Union Bank, in the XXXX, XXXX office, helped me resolve the problem. He had heard about my continued bank card problems through the Union Bank customer service center and/or the Consumer Financial Protection Bureau ; the bank president then had a new chip and pin card sent to me via overnight mail in XXXX XXXX. I did appreciate his assistance, as well as the CFPB 's assistance, with the matter, and decided not to change banks. 
XXXX ) XXXX XXXX -- I discovered that excessive checking account fees had been charged. I was never notified in advance of a {$30.00} per month bank charge for " having a low checking account balance. '' Please see CFPB complaint # XXXX. 
The third time is not really the charm with Union Bank ; however, before I switch banks, I would like to hear Union Bank 's response.

Company response to consumer: Closed with explanation