milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I submitted a complaint with XXXX. The basis for the complaint was that Bank of America fraudulently closed my account ( as " approved in error '' ) right before I met the promotional bonus and then asserted that because the account was closed I lose the promotional bonus and the rewards earned from the already completed spending. Bank of America earned money from my spending over 90 % of the promotional bonus requirements - I estimate conservatively that Bank of America received {$55.00} at a conservative 2 % credit card processing fee on the {$2700.00} I spent. I requested {$910.00}, the cash value ( based on Bank of America 's valuation ) of the promotion fraudulently withheld. Bank of America agreed with the facts as I presented them in my complaint. But Bank of America 's response did not address this fraudulent closing of my card. Instead they asserted that because the account was closed, points could not be redeemed. The card agreement, and state and federal law, do not allow Bank of America to close an approved card as " approved in error '', that has spent 90 % of the promotion requirements that they have benefited from. Moreover, Bank of America was unjustly enriched.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX XXXX and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Financial Credit Network Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: filed chapter XXXX discharged inXX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Card had sent XXXX Inquiries for the following dates that were not authorized by me -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have spoken to them countless times and they agree they would send to Transunion but have never done so to my knowledge.

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 01/28/2018 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Trouble during payment process

Complaint: My husband and I sold our home on XX/XX/XXXX we called the mortgage company XX/XX/XXXX regarding the update on our escrow account, the agent we speak to over the phone advice us that a refund will be send out and we will receive it by the end of XXXX. On XX/XX/XXXX we called again because we're wondering what happened to our escrow refund, again the agent told us it will be send out XX/XX/XXXX. It is now XX/XX/XXXX and we haven't receive a refund from our escrow account. We also concerned that we over paid the interest for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Back in 2014 I cashed Savings Bonds for my daughter at XXXX different banks- Bank of America and XXXX ( I have accounts with both of them ). They both reported interest earned to IRS. NOW, as an unemployed and XXXX XXXX XXXX, Financial Aid demands that I furnish a document of these interests earned ( XXXX, box XXXX ) but because I only received the summary for filing purposes, I had to contact both banks for a detailed XXXX showing the interests earned was from the savings bonds, NOT interested earned on savings. I had NO problems with XXXX, they sent me a detailed XXXX report showing that the interest earned was from savings bonds and I received it within FEW DAYS. Bank of America never responded to my request so I called the bank again and submitted a second request. AGAIN, NOTHING. One rep called me asking me for more information but he found out that I was using a relay service, he refused to talk to me!!! I had to call and speak to a different rep then subsequently with his manager then the manager did some researching and found what I needed THEN RE-SUBMITTED MY REQUEST AGAIN to the tax department which would take ANOTHER TEN DAYS!!! I 've ALREADY waited TWO WEEKS for it!

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have written all three Credit Bureaus XXXX, XXXX and EQUIFAX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the XXXX year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Other mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother 's house is being foreclosed on by a company called Seterus. The problem is that they are filing the action on an old deed of trust and naming myself in the action. I am NOT on the 2007 ( current ) loan or deed. They are going to ruin my credit by naming me and I AM NOT A PARTY TO THIS FORECLOSURE AT ALL!! They have also been harassing me with several phone calls a day but leaving no messages. They are not responding to my attempts to rectify their error. I can not have my credit ruined by these bandits. They have a right to foreclose but not on an old deed with my name on it! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Payday loan, title loan, or personal loan (Payday loan) with Quick Click Loans, LLC (IL).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a XXXX $ loan in XX/XX/2016. I have been paying XXXX $ a month since to pay off the loan. The balance currently owned on my loan is XXXX. I have contacted the company MULTIPLE time to let them know I have paid back this loan times already with interest. I didnt realize the interest was at 96 %. I didnt realize a company could allow the interest to be so high. I have the account tied to my main bank account so it comes out automatically every month. There has to be something that can be done to get out of this loan. There is no longer any contact information on the website to get in contact with anyone.

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 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with United Recovery Solutions (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I received a call from XXXX, Consumer Financial Protection Bureau stating that was going to put on my Credit bureau report past due amount when I never signed on the contract. I also did not receive the mini miranda during the conversation until at the end of the conversation. XXXX was very rude, insulting and threating in tone and verbal conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX of XXXX, XXXX XXXX XXXX obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by XXXX XXXX XXXX. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I XXXX XXXX has written transunion mulitiple times disputing two accounts on my transunion report which Transunion is breaking the law and not providing the information that i have requested from them and all they have to say is the accounts that i am trying to dispute are verified and they dont show me how they verified the accounts i am again going to ask Transunion to get rid of the n=bankruptcy and the XXXX XXXX XXXX XXXX account off my record due to not being mine

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 01-03-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Making/receiving payments, sending money

Complaint: My friend sent me a payment of {$900.00} from his XXXX XXXX XXXX Acct. to my Citibank acct. The money was wired from his personal checking acct. to my custom credit line acct. by mistake. My friend sent another payment of {$900.00} to the same acct. before we realized it had gone to my custom credit line account. Citibank told me that no money had been received at all and that is why he resent money. I would rather it have gone to my checking account. Citibank did not notify me of this and took it upon themselves to send the XXXX payments of {$900.00} each back to XXXX XXXX XXXX. My friend did not get any of the XXXX payments back and filed a case against XXXX XXXX XXXX. They sent him a letter and refunded him XXXX payment of {$900.00} but not both. Each bank says the other bank is responsible and I 've been fighting with them both for over 6 months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach improperly stored and lost my identifying information. No idea how severe the impact.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX insurance company is charging me an extra month of coverage that I did not used. The collection agency asked me for proof I had insurance coverage through another company to discard the claim, and I sent it to them XXXX. The agent said that if I did n't hear from them in the following two weeks it would have been cleared and two months later they started harassing me again. They once again asked me for proof, I sent it, they confirmed that they had received it and now they started calling me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I apply for a loan modification with Bank of America on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a letter that I do n't qualify because they are unable to verify ownership or occupancy of the property and also unable to verify identity. 
on XXXX/XXXX/2016 I send an appeal because I live on the property and I do not understand why they sad that cant verify identity.

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 06/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: TJX Credit is continually calling me regarding a credit card balance that is paid up to date. It is NOT past due. I told them this and told them to stop calling. They continue. The Caller ID says XXXX. They will call every day for a week. Wait a while and repeat. This despite the fact NOTHING IS PAST DUE AND THEY HAVE BEEN TOLD TO STOP CALLING.

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 08/23/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (ID).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I took out a loan from the Cash Store approximately 5 years ago for {$800.00}. I was unable to repay it and the Cash Store sold the debt to a collector. This is the second time that these people have contacted me in the last 3 years. Each time they have refused to send my something in the mail because they said they have already done so and that is that. I have n't received anything in the mail. 
Yesterday ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) called me and I told her that I agree that I owe the debt. I said that I would n't pay them until I received something in the mail that showed the amount owing and the company that I 'm giving the money to. She was hostile and refused and would only send me something by email which I said was n't sufficient or proper according to the Fair Credit Act. She asked me what I borrowed the money for and I told her it was none of her business. I also told her not to call me at work. Today ( XX/XX/XXXX ) her counterpart called my work. 
I want to pay this but am afraid of giving my bank information to a company that is not legal and they will pass the debt on to another and I will end up paying it again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Deposits and withdrawals

Complaint: Hello im currently an account holder for TCF BANK. ON FRIDAY XXXX XXXX 2016 I WENT TO AN ATM MACHINE TO WITHDRAWA FUNDS FROM MY ACCOUNT BY THE FUNDS NEVER CAME OUT OF THE ATM BUT FUNDS WERE TOOKEN FROM MY ACCOUNT AND ON TOP OF THAT TCF BANK HIT ME WITH AN OVERDRAFT FEE OF XXXX DOLLARS. I CLEARLY HAVE TOLD TCF BANK SEVERAL TIMES THAT I NEED MY MONEY BACK BECAUSE THATS MY RENT MONEY. AND EVERYDAY THAT I AM LATE ON MY RENT IM GETTING CHARGED XXXX DOLLARS A DAY. I was assured on XXXX XXXX 2016 that my funds will be back into my account on XXXX XXXX 2016 by XXXX. I have called tcf bank several times to ask them why have n't they put my provisional credit back into my account and all they are saying that its not their fault that i went to another atm thats not dmtheirs. And that i have to wait 10 business days before i get an answer. Thats not fair to me or any other card holders. I want to file a class action lawsuit against tcf bank. My rent have never been late up until this has happened. Please help because something has to be done with tcf bank. And they need to pay these late charges and fees plus give me back my money. And that 's all i want them to do. They could have simply avoided any lawsuits but they have choosen not to do the right thing. At this point im looking for lawyers to assist me in this matter on filing a class action lawsuit against this bank. Im closing down my checking and savings account. And after this is over i want nothing else to do with tcf bank ever again in life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I opened an account with XXXX XXXX of XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

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 09-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PENTAGON FEDERAL CREDIT UNION (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had a ELOC with the Pentagon Federal Credit Union. Once the ELOC matured i spoke with someone with member services and discussed options. I was told that I could apply for a new ELOC. I did. At the same time I received calls and letters from PFCU on my past due notices. I responded to the calls and letters. Each time I was told that since I applied for the new line of credit and the application was pre qualified there was not a problem. I was told that the letters were automated. 

Notwithstanding, I was hit with a penalty and an adverse report to the credit bureaus. I called PFCU. I said they repeatedly made representation that I detrimentally relied upon. I was told there be no remedial action to my situation. I told them if I had known the consequence to my credit I would have just paid off the line. The ELOC was approved but I just paid off the line anyway. I have asked them to correct the reporting to the credit report and remove the penalty. PFCU has failed to respond.

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