milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am disputing a charge of {$320.00} from Citizens Bank for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from Citizens Bank dating back to XXXX which appears on my XXXX Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX  Certification process and can not complete the process because of an inability to have Citizens Bank clear this from XXXX. I called Citizens Bank and was transferred to Citizens Bank collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with Citizens Bank for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, Citizens Bank claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from XXXX XXXX Without deletion, this report on XXXX prevents me from certifying my business with New York State. An inability to complete my NYS certification keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (IN).
Issue: Managing the loan or lease

Complaint: I got a personal loan for XXXX. They are charging me 35 percent apr, plus a XXXX dollar " finance charge ''. They forced me to have insurance on the loan for if I lost my job or had a financial hardship it would pay the payment. I ran into some money trouble, and the finance company refused to let me use insurance to pay payments, putting me almost XXXX payments behind. I caught it back up, but they charged me over XXXX dollars because they turned it over to their attorney " just in case ''. The manager then said if they took me to court that I did n't need to go. As I have been paying my payments, they refuse to give me my balance. On XXXX of my receipts, I saw a balance at the bottom, and the loan officer said that 's not your balance because yours is higher. They literally are marking out the balance on the receipts and saying if I wan na argue about it they will just garnish my wages. From the start, my XXXX dollar loan was over XXXX. Now, they 've added over XXXX for " legal fees '', plus say that it 's 35 % interest a year. I got the loan XX/XX/XXXX, and they say I still owe XXXX dollars at XXXX dollars a month. I ca n't keep paying this loan. I 've already paid it back plus some. Can you please help me and my family?

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Someone hacked my XXXX  acct which is connected to by Suntrust bank card on XX/XX/2018 for {$1100.00}. there where originally 5 different transaction transferred for {$100.00}, {$100.00}, {$400.00}, {$400.00} and {$500.00} total XXXX but one of the {$400.00} got flagged and cancelled and was refunded. I got an fraud alert from the bank for the 2 {$100.00} transactions which was the first 2 that happened at XXXX these transactions happened from XXXX. First off why did it take them so long to notify me and from my understanding when a fraud alert is sent the card is placed on hold until you are able to verify transactions. well that was not the case here because the hacker was able to make 3 additional transactions 1 in which we know was stopped and returned.. my question is why wont they all immediately stopped? They got XXXX in 5 mins which could have been prevented if they had placed card on hold when the first 2 initial alerts came in. So i file a claim of course and they denied it saying that the transactions match my spending habit! Are you serious? There is no where in my bank transaction history that suggests that I spend that kind of money on a regular because I don't because I don't have that kind of money just to be sending random people. So i file a rebuttal claim and sent them the transaction history for that day. after i called bank regarding the fraud claim and my card was closed someone else tried to request another {$1000.00} but didn't go through since i had already removed card info and that claim was denied as well because i didn't provide any additional info from the first time. Now i'm no computer genus to know how to track down a hacker. Its that the job of the fraud department to find out where and whom my money was sent to? Now i have to wait again on XXXX to respond to my request for help because they didn't the first time. All i want is for Sun trust to do they job and find my money so i can get my money back.

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 04-04-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a payment on XX/XX/XXXX on a loan which was disbursed on XX/XX/XXXX. This payment should have been applied 100 % to the principal of the loan, as I was essentially paying back an amount from the loan which was more than we needed. This was the second disbursement of my son 's student loan, and Nelnet applied most of it to principal, but applied {$270.00} to Interest. As it was repaid within 120 days of the disbursement of the loan, it should have all been applied to principal. I contacted Nelnet via chat support in mid XX/XX/XXXX to request that they correct this and apply the full payment to principal. I was told via chat that the payment was not applied fully to principal because it was more than 120 days from the loan 's disbursement ( the loan 's original disbursement was in XX/XX/XXXX ). I pointed out that the second half of the loan was disbursed in XX/XX/XXXX, well within the 120 days and was told that they would correct the issue. In early XX/XX/XXXX, I noticed that Nelnet still had not fixed this issue. I then contacted Nelnet via their 'contact us ' on their website to follow up and again request that they take care of this. I received an email requesting more information, which I supplied. I was contacted on XX/XX/XXXX stating that they would send a request for the payment to be allocated as requested, and that my request could take up to 5 business days. Checking today, they have still allocated {$220.00} of that payment to interest. I have received no further communication from Nelnet regarding this issue. I emailed them back this morning, again requesting that they fix this issue. Meanwhile, I am being charged interest on the full balance of the loan, when this should have been credited to the principal of the loan almost 2 months ago. I have also made several requests trying to find out how to pay down any of the principal on my loans, and these requests have been ignored. I filed a different complaint with you regarding that issue prior to noticing that they still have not credited my account as they should for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called XXXX XXXX insurance to inform them that I obtained a new insurance company and for them to cancel my policy. I gave them the dates which overlapped with my new coverage of XX/XX/17. My policy with the new company began on XX/XX/2017. I bought my house and combined my auto with house insurance. The next month they sent me a bill and I called them and they said to disregard as they see when I called in, then continued to send me bills emails and voice messages that my bill was past due and the amount kept growing as I constantly called and disputed and complained that I no longer had a policy with them but they kept arguing with me that I did every time I called. I called and called and called but they would not stop calling and sending emails I finally blocked their emails. Now I have received a collection notice in the mail for {$460.00}. I called them again and they told me that I did not return some email that was sent to me that needed to be responded to for termination of coverage!! I then told them that I never received such an email and if it was needed for them to now send it to me. The representative said they would send it but never did and now I am being harassed and pursued to pay this " false debt '' for terminated services. I have gone through this with XXXX XXXX before and refused to pay and they then put it on my credit report when I began to look for a mortgage so that I would have to pay it. I then had no choice but to pay them so that I could go forward with obtaining a mortgage to buy my house. this is not right and injust tactics to force me to pay for services I DID NOT RECEIVE AND CANCELLED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Auto debt) with Reliant Financial Corporation (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: the original loan amount for a voluntary reposed vehicle was {$6200.00} with my down payment of {$1000.00}. My last payment made was in XX/XX/XXXX, they reported is was XXXX XXXX they auctioned the vehicle in XX/XX/XXXX and didn't deduct the money from the loan amount or send me a copy of the sale of the vehicle. I have asked over the last 6 years for a copy of the date and price of the sold vehicle. They only state they have sent it to the address I have lived at for 8 years, except I have never received anything from them. They have sold the account to a collection agency in XX/XX/XXXXthat has never contacted me either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Consumer Loan (Installment loan) with POPULAR BANK (NY).
Issue: Managing the loan or lease

Complaint: I made a request to Banco popular XXXX times-one by phone, XXXX in person and XXXX by fax to change my ACH debit account number. Nothing was done. They continued to take the monthly payment from the account that I no longer wanted them to use. Last month, They took my payment XXXX {$120.00} XXXX from the old account and a week later they took an additional {$48.00} from the new account. I called customer service on XXXX/XXXX/16 and I was instructed by an employee named XXXX to fax statement screenshots to start an investigation. After I faxed the documents that day, an auto email was sent acknowledging receipt. but I have not heard anything from " XXXX '' nor have I received any resolution or even a timeframe of when the issue would be resolved. In addition to the unauthorized amount of {$48.00}, my financial institution ( also my employer ) charged me an insufficient funds fee of {$35.00} ... Changing the ACH account number has been such an execise in futility, that I no longer want the change. I am in the process of closing the new account for fear of Banco Popular is using my number to pay another client 's loan. I usually receive a monthly notice of the payment for the regular amount but did not receive XXXX for the mysterious {$48.00}. I can only assume that my account information went to the wrong person. This fiasco started on XX/XX/2016 when I walked into the XXXX XXXX branch to make the second request.Months earlier, I called XXXX but no forms were ever sent to me as promised.

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 06-05-2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I was a victim of Identity theft in XXXX 2014. A credit card and debit card was opened under my name through USAA. I called USAA and had the account flagged. I gave USAA a passphrase in case I needed to unflag the account. They never wrote down the passphrase. 

In XXXX, I needed to unflag the account. When I called USAA, they said that they needed to authenticate me and it would take a couple of days. They said they would call my number in 48 hours. They never contacted me. Due to XXXX, I had to wait a couple of months to get back in contact to unflag my account. 

XX/XX/XXXX, I called USAA to unflag my account, and this time they asked to authenticate me by a phone number. The phone number on the account is incorrect, and I was told that in order to change it, that I needed to log in on USAA.com to change it. That would work, but my account is flagged, so this is impossible. I was told they would escalate my issue with a back department that would call me back in 24 hours. This never happened, and every time I called over the next XXXX weeks, I was told the same thing. 

I finally decided to go to the USAA XXXX page to see if I could get better support from them. A lady named XXXX called me saying that I should call her extension to get the problem resolved. However, when I called USAA again, I was told I had to be authenticated to be able to contact her.

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 06/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Balance transfer

Complaint: Every month charged interest when the purchase balance from the previous month is LESS then the payments made. Paid more each month than previous charges. The average daily purchase balance is Wrong. Its seem Chase Freedom is lumping the Promotional Balance Transfer offer, 0 % interest until 2016 into the Average Daily purchase Balance. Which is therefore charging interest. 
Interest should only be charged on the new purchase balances only, not the promotion balance transfer offer amount. The balance transfer offer is separate than purchase balance. What is a promotional XXXX percent interest on balance transfer if your now charging thebalance into the average daily purchase balance with recurring purchases? 

Was I supposed to not use the card while I paid off the balance transfer? That was never told to me. NO other credit card does this. NOT Fair, very misleading. Even the statement shows the sections separate, as Purchases, Balance Transfer, and Cash Advances. How can you then lump it into the Purchase average balance?

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Our son was in a horrific accident in XX/XX/XXXX, I called the Mortgage company to explain to them that in order for our son to come home we had to modify our home, unfortunately the only money at the time we had was our Mortgage payment and we used it to make our home accessible for our son, now that he is XXXX. Things were okay the first few month 's, but shortly after Wells Fargo would deny taken payment over the phone they would put our money in a " suspense account '' time and time again and release the money and it unfortunately repeat over again. After trying for months to work on it, in mediations with Wells Fargo we had no alternative, but to hire an Attorney. Ultimately our home was foreclosed on even after our attorneys submitted document after document, month after month in order to refinance our home we were even approved for HOPE and after submitting the documents to our attorney 's they advised us that there was nothing they could do that they were foreclosing on us and we had to be out of our home. We lost our home that we put our blood sweat and tears into that home, our son feels he is the blame that we lost our home and now we have bad credit due to this.

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 08/17/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: I called TD Bank and asked how much it would be to protest a check tat their customer wrote since he has refused to come into pay for it. After keeping me on hold for over fifteen minutes they informed me that they do not protest checks. In New York we need to protest a check before we can go to the police to try to recoup our loss

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a CapitalOne issued XXXX credit card ending XXXX. I pay statement balance every month by AutoPay. Where I had used XXXX XXXX XXXX XXXX XXXX to withdraw from til XXXX 2017, I switched the AutoPay to Fidelity Bank. CapitalOne withdrew total payments in XX/XX/XXXX & XXX 2017 from this new bank, but without my input they billed my previous bank XXXX XXXX XXXX XXXX XXXX for the XXXX 2017 payment, which was rejected. They sent me an email of this and readily that balance was paid and they reversed the non-payment fee. Whereas XXXX XXXX XXXX XXXX XXXX billed me their fee of {$33.00} for " Insufficient fund ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I am in foreclosure with HSBC Beneficial. In XXXX, the Office of the Comptroller of the Currency ( OCC ) sued HSBC for failing to meet the requirements of the Independent Foreclosure Review. I filed a complaint with the OCC and they advised me to file a complaint with CFPB. I would like to know what HSBC agreed to do for their mortgagees like myself who were placed in foreclosure with out the proper steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Payoff process

Complaint: I went to pay my Amex. It showed I only owed a small amount. However the amount of the bill was over XXXX. I paid the total which over XXXX. I then went and looked at the upcoming closing bill, and realized there were over XXXX in credits on the bill that yet to close. I immediately realized it was applying the credits to the already closed bill. I went in and hit " cancel payment ' for the XXXX. And then paid the minimum of XXXX some odd dollars. The reason being is that if I had not done that, Amex system will automatically take that overage of XXXX and apply to s pay over time portion of my card, shock I did NOT want or authorize. 

The cancel showed in the screen with XXXX pending processing. This was within 20 minutes of the initial transaction. I then receive XXXX emails hours later saying XXXX PAYMENTS were processed. This is unacceptable for XXXX. I then decided to wait a few days to let the next statement close and call if needed. I called and the representative basically said too bad. This is unethical as I as the cardholder and customer should have the right to determine where my payment/money is applied as long as any minimums are met. It should not be up to a system and as well system errors. 

I asked for a supervisor ( and had to fight to get XXXX ). 

A supervisor came on and edit idly told me the same. I pointed out it was obvious what I had done as why would I pay XXXX and then XXXX.? She argued but in the end found a way to put a XXXX charge from my current stating to the pay over time to help even things out. I accepted this as a temporary measure. But am not satisfied as now that sticks with interest and XXXX higher balance on the pay over time portion. 

This is unethical and should be illegal for a card network to force you to allow their erroneous payment system to make decisions for me as a consumer. This is my money and I did NOT AUTHORIZE the application of funds to the pay over time, and the Amex 'cancel ' payment option did not work. ( Even though it showed as cancelled and then disappeared ). 

This is an injustice and I was n't treated well during the process. The Amex system has issues, thus happened in the past and the XXXX was x led to reapply the funds and were apologetic. I feel swindled and find this on the verge of being illegal. I am losing money by the XXXX charge being put into the pay over time. I had planned to use the credits within the bill they appeared in as this keeps my expense tracking ckean, and should be my prerogative. I am greatly angry at the unethical practice of Amex and refusal to address glitches in your system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I have enjoyed a TJmaxx credit card for 5 years. My credit card has a XXXX balance. I haven't charged anything in 6 or 7 months. My credit card has always been paid on time. 

Today, I arrived home to find a letter stating that you have closed my account????? ... due to insufficient credit score????? 

I just received this week a credit card from XXXX XXXX in the amount of XXXX based on my current credit score.

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