milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Besides a stack of XXXX plainly forged checks on Bank of America ( BOA ) which I recently submitted the complaint to CFPB, I would like to dispute another problem with BOA as follows : Recently BOA claimed a delinquent utility bill and automatically paid for it on my behalf, and then debited it on the monthly home loan account dated XX/XX/XXXX as " current period fees and charges ''. I did not have any details of the utility bill, but I presumed that it incurred before the date of release from prison on XX/XX/XXXX, and during the staying in the prison from XXXX to XXXX. I do not see any reason and any way to subscribe the utility service for my house at XXXX XXXX XXXX XXXX, XXXX OK XXXX that has been vacant without any authorized occupant and extensively damaged due to multiple break-ins ; the valuable properties in the house and the vehicle in the garage were stolen off ; so were ID and several credit cards ; check books of XXXX banks including BOA ; personal, investment and legal documents happened XX/XX/XXXX. In the light of identity theft and frauds in the time frame XX/XX/XXXX -- XX/XX/XXXX, I believe that the utility service was subscribed by fraud or unauthorized subscriber ( s ) unless BOA can prove otherwise or offers any logical explanation or speculation. 
I would like to have this problem be corrected fairly, or a credible and accountable explanation from BOA. 
Respectfully 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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

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 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I received an offer through CitiBank for XXXX XXXX XXXX miles for signing up for their CitiGold Checking Account and fulfilling certain requirements. I went through the necessary steps, speaking with their customer service representatives to ensure the account was correctly setup and qualified. I was assured it was. Upon completion of all their requirements, I did speak again with customer service to confirm with them that all requirements had been fulfilled and would be granted the promotion. The customer service representative confirmed for me that all requirements had been fulfilled and I could expect the promotion miles to be credited in my XXXX XXXX miles account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I had not received the miles. I again contacted customer support, at which point they confirmed yet again that all requirements had been fulfilled. They then said to expect the miles by the end of the business day but opened a service request to ensure that this was being done and I would have a response from them in 24-48 hours. Today, XXXX XXXX, 2016 I finally received said response to the service request informing me that I would not be receiving the promotional mileage because " there was not an AAdvantage Mileage promotion offered in conjunction with the opening of your account. '' This has been a very clear bait and switch, particularly after numerous attempts to confirm with their team that the offer had qualified.

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 07-12-2015 about Payday loan () with Enova International, Inc. (CA).
Issue: Can't contact lender

Complaint: Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Customer service / Customer relations

Complaint: I applied for a Bank of America BankAmericard. I received the card in the mail and activated it. I then tried to use my card at XXXX restaurants and it was declined XXXX times. I called Bank of America and I was told this problem was corrected and all holds or blocks had been removed from the card. I tried to use the card once more and it was declined again that is when I placed my second call to Bank of America and they assured me it was because I was trying to use my card in XXXX and my home address is XXXX I then tried to use my card in XXXX and it was declined again for the XXXX and XXXX time. I called again and spoke with a CSR and was told they flagged it as fraud and again told all blocks and hold had been removed from my card. I tried to use the card with the CSR on the line and it was declined again for the XXXX time. The CSR then asked me to hang up and she would give me a call back and I never received a call back. I called again on XXXX/XXXX/2016 and spoke with someone named XXXX in the Fraud Department he told me that he had the ability to see more of my account than the CSR did and he said the card had been reset and was ready to use. I tried to use the card after this and it was declined for the XXXX time. I have called Bank of America 6 times and have not gotten a resolution to my card being declined.

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 03/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received phone calls daily from all hours of the day on my cell phone, and then my house phone, and then my mothers cell phone. And then my father cell phone all over a debt that was handled in a court case from an apartment that I moved out of over three years ago.this company procollect has harassed us to the point where we have changed our phone numbers and they still continue to call us every day. And when we block their number they change numbers and continue to call.

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi ... .I have had to report issues to TRANSUNION , XXXX and XXXX numerous times. XXXX XXXX XXXX continues to attempt to collect a debt from me that is not mine. XX/XX/XXXX someone got a cable service in my name. I did not even have a drivers license.I was born in XX/XX/XXXX. I was not old enough to have this type of bill at all. The reporting company is XXXX. I have told them and they do nothing about it. I also have a medical bill which is not mine from XXXX XXXX XXXX. This is not mine and needs to be removed from my credit 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 09/29/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: XXXX XXXX, 2015Walmart/Synchrony BankXXXX, GA XXXXRe : Credit Card ending in XXXXTo Whom It May Concern : This letter is in reference to an account held with your financial institution that has become delinquent due to financial distress and external factors. 

The purpose of this communication is to provide you, the creditor, with some insight as to the reasons why my account has been late. During the latter part of XXXX I became unemployed due to non-renewal of contract. Thus, my sources of reliable income diminished. Ultimately, this situation impacted my ability to pay my bills on time. 
As you review my payment records, you could certainly verify that I have tried to maintain a consistent payment history. It is very hard to work, be a student and a head of household of XXXX. 

Thinking about ways to solve my issues, I applied for unemployment benefits. Attached you will find a letter from the Virginia Department of Labor describing my ineligibility for benefits due to tax exemption regulation ( employer ). Obviously, this is something that I was unaware which indirectly affected my opportunities of solvency. Hence, the only source of relief had overtly disappeared. 

I tried to communicate with your institution via email, however this method was not accessible to me ( account had been locked/closed ). I am enclosing a payment for the current month. Perhaps there might be other alternatives to maintain a good standing with your financial institution. My ultimate desire is to get this matter resolved. I know my credit has been hurt by these situations. I hope we can make reasonable arrangements, for instance : remove all finance fees and late fees in order to move forward. 

Lastly, I would like to thank you for your time and attention. I look forward to your response. 

Regards, XXXX XXXXCc : File

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar is in violation of CA Homeowner Bill of Rights anti dual tracking policy by continuing with a foreclosure proceeding when borrower is seeking an alternative to foreclosure. A short sale request was submitted on XXXX/XXXX/16 and Nationstar set a foreclosure sale date for XXXX/XXXX/16. Furthermore Nationstar has stated they will move forward with the foreclosure which is a clear violation of CA Homeowner Bill of Rights which explicitly states lenders and servicers " CAN NOT CONTINUE WITH THE FORECLOSURE PROCESS ONCE A FORECLOSURE ALTERNATIVE PROGRAM HAS BEEN SUBMITTED ''. There is nothing in the CAHBOR which limits dual tracking to only modifications nor is there anything in CAHBOR which states a short sale must be approved to avoid dual tracking. This is a fallacy concocted by Nationstar which is not accceptable nor is it legal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NE).
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: I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX, dba CareCredit. I originally filed a complaint with XXXX XXXX in XX/XX/2017  based upon what I found online as the responsible bank for XXXX XXXX. In spite of a number of contacts, they did not respond until XX/XX/2017 after I filed a CFPB complaint. I wrote XXXX XXXX of XX/XX/XXXX on XX/XX/2017 acknowledging that they had finally responded to my complaint and that I would be making payments after I received my Social Security ( SS ) check on or about the fourth Wednesday of the month as SS advised me. XXXX called in early XXXX acknowledging receipt of my letter. 

Subsequently, I mailed XX/XX/XXXX a {$200.00} payment in XXXX and a {$200.00} payment in XXXX following receipt of my SS check. However, XX/XX/XXXX has continue to harass me with multiple phone calls and emails on almost a daily basis since.

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 05/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage on the same house for over 25 years. I have never had a late payment. Green Tree is now saying I have had late payments and is trying to assess late fees despite proof to the contrary. I make my payments by phone each month. This past month their phone lines were down and I was unable to reach anyone for 3 days. The calls were cut off when trying to reach a live person. The prior month GT indicated my payment was received a day late despite phone records to prove otherwise. When attempting to make a payment on-line one is allowed only to pay the amount listed despite disputes to the contrary. Their employee 's are rude and incompetent. They have repeatedly lied about information they have received.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX is when I first saw Portfolio Recovery show up on my credit reports. I had not received a letter telling me who they were or why they were reporting on me. They continued to report for months to include another time that just showed up this week but shows that they added another account in XXXX?! This is a disgusting company that nobody would want to do business with for a number of reasons. The first is that they report on your credit before you even know we 've m who they are which seems unfair, they have been sued SEVERAL times die grimy reasons, and upon reading reviews when people so agree to pay them they do not send them the proper documentation or follow through on anything on their end. In addition the numbers they call from may them sound like a fake! I attempt to call back and it sounds like fraud. I do n't even know how they got my cell phone number to begin with! I do not have the bad accounts on my credit and have moved on for the better with that company. I have tried to dispute for the same reasons in explaining and all they did was quote a letter that they sent which does not address anything I 've said was n't fair! This company is a scam and I want all history of them removed from my credit report. I 'm young and trying to do right and these fakes are bringing me down with their unfair practices. I 've filled with the XXXX as well but please help me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CO).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I was one of the many that opened a Savings & Checking Account with Wells Fargo in Colorado and told the credit card was the only way I could get cash from my accounts through their ATM. Fast forward to a new issue ; I opened a Roth IRA with Wells Fargo in XXXX, CO in XXXX. I was told this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers, I requested a transfer form to move the account to another financial institution. This started in XXXX, XXXX and I have sent multiple emails, phone requests and in person banking requests and to date have not received the form. On XXXX XXXX, XXXX I received a letter from XXXX XXXX and another letter from XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days. To date they have not sent the form. My complaint is to find why my Roth IRA did not earn interest in almost 10 years. And, to receive the correct form from Wells Fargo to transfer my Roth IRA to my new financial institution. 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 10/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I previously disputed and they removed, then listed again on XXXX and Trans-union a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in XXXX. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for the government I must keep abreast and make sure the credit report have the correct information. But Trans-union and XXXX refuse to update their records

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: Citi mailed me, to my home address, a pre-approved credit card application. When I completed it, Citi turned me down because ( as they explained over the phone ) they could n't verify I lived at that *very same home address*. They put me in a Catch-22 : they mailed me an application with my name on it and then disbelieved that I live where they mailed it. My complaint is not that I was denied credit. My complaint is that, thanks to the denial, there 's now an unfulfilled request for credit on my credit history. Citi should not be sending out applications that are doomed from the start to be denied.

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 Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been paying for many years ( probably over 3-4 years ) between {$400.00} and {$500.00} per month in student loans to Great Lakes and other Federal agencies and institutions, and I owe today more than I did when I started paying. I have not missed any payments, and I called to verify why and they stated that in all those years making over {$400.00} in payments PER MONTH only ~ {$4000.00} went to the principal. They also said that I should pay more money if I want the balance to go down and offered no real advise as to how I can get this balance to go down quickly. They said that my balance goes up hundreds of dollars a month. I asked for help and their only solution was to get me to pay more. I started with ~ $ XXXX about 4 or more years ago and today I owe basically the same amount or more after thousands in payments. This amount will keep going up.

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