milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I HAD MY A/C WITH XXXX XXXX BANK SINCE XXXX XXXX AND LATER MERGED TO " BANK OF AMERICA '' IN XXXX ALONG WITH MY SAFE DEPOSIT BOX. 
SAFE DEPOSIT BOX FEE WAS DETECTING AUTOMATICALLY FROM MY CHECKING A/C ANNUALLY. AFTER XXXX BOA STOP TAKING OUT FEE FROM MY A/C, I AM BUSSY IN MY LIFE AND NEVER PAID ATTENTION, BOA STAFF NEVER STOP TO GOING TO MY SAFE DEPOSIT BOX IN ALL YEARS AND IN AVERAGE ME AND MY WIFE WAS GOING TO CHECK OUR BOX THREE TO FIVE TIMES A YEAR. IN XXXX XXXX RIGHT FEW DAYS BEFORE WHEN I WAS GOING ON MY TRIP TO XXXX RECIEVED NOTICE FROM BOA THAT YOU OWE US $ XXXX. IN PANIC I WENT TO MY BOA BRANCH WHERE I HAVE BOX " XXXX XXXX XXXX '' THAT STAFF GIVING RUN AROUND, I CAME BACK TO MY HOME AND CALLED BOA HEADQUARTER AND REQUEST TO HANDLE THIS SITUATION, BUT NO HELP THEN I WENT BACK NEXT DAY TO BRANCH DUE TO I NEED TO TRAVEL IN FEW DAYS. 
BUT XXXX XXXX SAID TO ME THAT IF YOU DO NOT PAY THESE ALL YEARS RENTAL FEE PLUS ALL LATE CHARGES THEN WE WILL USE DRILL MACHINE AND CANCEL YOUR BOX, THEY NEVER SENT ME ANY TYPE OF NOTICE IN THOSE YEARS AND WAS NOT MY FAULT. 
I NEED TO TRAVEL IN FEW DAYS XXXX SO I PAID $ XXXX RIGHT A WAY, TOOK MY ALL STUFF FROM MY BOX AND EMPTIED AND CANCEL MY BOX, AND STOPED BY XXXX XXXX BANK AND OPEN NEW BOX. 
AFTER I RETURNED FROM MY TRIP AND TRY TO GET MY ALL CHARGES $ XXXX REIMBURSE AGAIN RUN AROUNDBESIDE XXXX XXXX HIS OTHER ASSOCIATE TALKED TO ME THEN VERY RUDE LADY WAS BAD APPROCED TO MESHAME, SHAME, SHAME AND SHAMETHEN I CALLED FEW TIMES TO BOA HEADQUARTER AND THEY JUST TRANSFRED TO SAME BRANCH MY COMPLAINT. 
AFTER ALL DONE AT THE LAST BRANCH MANAGER " XXXX XXXX '' CALLED ME AND REFUSED TO REIMBURSE MY ALL ILLEGAL CHARGES WHAT THEY COLLECTED ON XXXX XXXX XXXX. 
THANKS A LOT TO READ THIS COMPLAINT AND I SHALL BE GRATEFUL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This involves a fraudulently opened Best Buy Citibank card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent " BBY/CBNA '' account on my credit report. Upon researching the account, I learned this was a Best Buy Citibank account someone in Georgia had fraudulently opened in XX/XX/XXXX using my identity. In early XX/XX/XXXX, I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with Citibank 's customer service, I filed disputes with all three Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit, XXXX and XXXX removed the item from my credit report. Today, on XX/XX/XXXX, I learned the item still appears on my XXXX credit report, causing my credit score to be 150+ points lower on XXXX than on the other two. I called XXXX and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient. I am uncertain as to whether XXXX never deleted this item after the XXXX dispute process, or whether Citibank attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I called XXXX 's to complain after seeing a total of XXXX inquiries on my credit report with Transunion. 

I tried to lease a new XXXX from XXXX XXXX which is owned by XXXX 's. 

After being assured by salesman XXXX that they would n't be shopping my credit around multiple banks, I signed the lease papers, only approving them to run my credit for the purposes of a lease. 

The salesman said " we 're not going to send your application to bank a, bank B, bank C, we do n't do that. It will just be a soft inquiry. 

I checked my Transunion credit report and see a total of XXXX different inquiries, when I only approved of XXXX. 

XXXX uses XXXX XXXX for their auto leases. When I was not approved for the auto lease, without my permission they ran my credit through XXXX XXXX and XXXX XXXX. I did not approve them to do this. The financial manager said she tried to get me approved for a purchase. I did not approve of this. 

I spoke with XXXX XXXX on the phone and all he could say was sorry. 

This is a violation of the FCRA for not obtaining permission to run my credit for the purpose of purchasing when I clearly stated I would be leasing.

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 01-10-2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Late fee

Complaint: I would like to bring to someone 's attention a scam being perpetrated by Synchrony Financial. In my case the bank requires payment by the XXXX of the month. I receive my paycheck on the first of the month and pay my bills at that time. As a result, on several occasions, I paid my bill before receiving the hard copy of the bill from XXXX. This has caused my account to accrue late payments ( for early payment ). How can someone receive a late payment for paying early? 

As a result, I contacted the bank and was advised that the bank 's computer system does not have the capability to accept payments between the XXXX the XXXX and apply these payments to the current month. As a result, a late fee is applied. I was advised to make payment after the XXXX and before the XXXX ( due date ) to avoid late payment fees. This computer glitch causes honest consumers to receive late payments. When challenged, I did receive a refund for the XXXX fees below but was advised that only XXXX fees can be refunded per year and that any additional fees will not be refunded. They did not admit to any irregularity with the billing system. 
The question is ; How many other honest consumers are being penalized for early payments and do n't know it? Note : I also have XXXX XXXX account with Synchrony and the same issue occurred.

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 04-04-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: Citi XXXX XXXX advertise that XXXX of the benefits of the card is redeeming Thank You Points for XXXX cents per point if you use the points to purchase tickets on XXXX XXXX ( or XXXX cents per point for tickets on other airlines ) through their designated travel agency. What they do n't disclose anywhere is that the cost of the tickets are inflated. ( i.e. they charge more for the tickets than any of the ticket booking sites like XXXX, etc. ) In some cases, its only {$2.00} - {$15.00} more but its still not fair. Citi - please disclose how this program really works!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Billing disputes

Complaint: This is a follow-up to Case Number XXXX. 
I spoke just now with a customer service representative with American Express, in response to an email requesting that I call. 

The issue ( AGAIN ) was the amount allegedly due on my Amex Blue CASH card, now cancelled by Amex. I explained ( AGAIN ) about the XXXX proofs of payment I mailed in XXXX XXXX and again in XXXX XXXX. I told her the results of the XXXX investigation : " everything is fine. You may use your card. '' I made a charge in XX/XX/XXXX. In XX/XX/XXXX, proving that I had been able to use my credit card because the question about the missing payment from XX/XX/XXXX had been resolved. 

The customer service representative told me : 1. " There are no notes in your file about any investigation. There are no case numbers, no dates of investigations. '' 2. " According to your file, you have not made a payment on this account since XX/XX/XXXX. '' 3. " There are no notes in your file about any refund check. '' I am completely outraged by the incompetence of American Express. They have the nerve to harass me about a grossly overdue payment, but have erased all evidence of the investigations and the documents I submitted for XXXX investigations. 

I should not be made to suffer because of their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Associated Credit Services, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been trying to get validation from this company all they keep Sending me is a old credit card bill. I never had either of the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed a debt to XXXX XXXX XXXX, which was forwarded to Diversified Consultants. I paid the debt off to DC in XXXX, 2017, and as assured the derogatory remarks about the collection would be sent to the 3 credit companies. I have written to two companies, but only one has showed as removed. I am very frustrated because I am paying my debts and am trying hard to repair my credit, but the two companies ( XXXX, XXXX ) seem reluctant to remove the information or notate it as paid in full. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My statement balance of XXXX XXXX is {$3800.00} and due on XXXX XXXX. 
On XXXX XXXX I made {$1000.00} payment. On XXXX XXXX, {$800.00} payment. XXXX XXXX, another {$1000.00} payment was made. XXXX XXXX ( due date ), {$1000.00} payment was made as well. Totaling {$3800.00} payment by the due date leaving an unpaid balance of {$8.00}. 
On XXXX XXXX, a {$2500.00} payment was made covering the remaining balance of {$8.00}, any interest charged on top of the unpaid balance, and any new transaction. When I looked at my statement, there was {$23.00} charged in interest. I contacted Capital One Bank about it. They said the interests are changed on top of XXXX XXXX XXXX including new transactions. So, I inquire if I had made no payment but the minimum, I would still be charged the entire {$23.00}, they said yes. 
My main concern is XXXX as I never experience anything similar to it XXXX : is this practice legal? Or should they only charge interest on unpaid balance? It does not make sense to me that a bank would adopt this practice if not to steal from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I was given a promotional offer for a new XXXX rewards card from Amex and was promised XXXX points on spending {$2000.00} in 3 months. 

I was told multiple times by the customer service that i would be awarded XXXX points on calling them to verify the offer. 

The company did not award the points despite me meeting the criteria. 

The company later changed the terms that would make previous members ineligible for the product.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Payday loan) with Check Security Associates, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX has called me numerous times a day leaving messages stating that I must call him immediately about my case and that they will be garnishing my wages. He then proceeded to call my mother, step mom, and both sisters and gave them personal information. He told them I wrote a bad check, or that it was a legal matter. Both of which are false. I had already spoken with someone there about making payments, but they still call my family members and threaten to call my work. Also, I requested they mail me verification of the account and they refused. The woman argued with me saying my contract with XXXX was now theirs and that everything I agreed to with them, I had agreed to with her company.I told her that since she was n't the same company, I had not signed a contract with her. She got very upset and then finally agreed to mail me a letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company has placed a collection on my credit report and it has damaged my credit. I do n't know the company nor do I have a signed contract with me. I have asked them to removed this inaccurate information and continue to ignore their wrong. I 've filed a complaint with the BBB and have n't gotten anywhere. I 've never did business with this company and would like for this information to be removed for my credit. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: ( 1 ) A landlord requested my credit report and criminal background check through TransUnion SmartMove ( 2 ) TransUnion SmartMove instantaneously provided the prospective landlord with my credit report and criminal history through their online portal, based on the information I provided ( 3 ) On TransUnion 's website, the company will disclose the contents of the report to individuals who requests a copy of a report by calling customer service. ( See attached screenshot. ) ( 4 ) After calling customer service, providing extensive verifying information, I was told that I was required to email/fax a document with a photo ID and lots of personally-identifiable information to their processing center, and wait for a report to be /mailed/ within 30 days. 
( 5 ) I asked whether or not I could be provided with the report electronically, since I had already verified my identity. I explained that a ) I had no opportunity to review the report to ensure the validity of the data and b ) mailing the report seems peculiar for a service designed for individuals who are moving into new residences -- the address is likely to change soon. 
( 6 ) Customer service elevated me to the supervisor, who explained that this process was /mandated/ by the FCRA. This may be true, I am not a legal expert, but seems counterintuitive. 
( 7 ) No resolution.

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 02/17/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX and XXXX, the current owners of the property known as XXXX, NY XXXX ( " property '' ) hired our firm to represent them in the sale of their house. On or about XX/XX/1984, two mortgages granted by XXXX and XXXX were satisfied following the sale of the property. The property has been sold twice more since XX/XX/1984 and each time a request for satisfactions of mortgage has been attempted to be filed by Citibank and each time, because the seller did not have the XXXX account number nor their authorization to discuss the loan, Citibank would not progress the call to the lien release department, stating that they can not discuss the account. As the account has been satisfied over 20 years ago, our office is not asking for the borrower 's information on any information on the loan but merely asking that satisfactions be filed in the XXXX office as the mortgages granted by the XXXX still show as being " open '' ( see attached lien search ) and the sellers can not sell their house without satisfactions being filed or payoffs to be provided to the title company. As the XXXX can not located prior owners three times removed, they are stuck as the title companies that insured the transactions are no longer in business and they can not locate the owners title policy from when their parents bought the property.

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 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, I lived in XXXX. I had never made enough money to be required to pay XXXX state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that XXXX was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew XXXX would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The XXXX FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, XXXX days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my XXXX credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what Experian shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX, was the owner of, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. I purchased the Property by obtaining a secured Deed of Trust from CITIMORTGAGE, INC. Loan No. XXXX. The Deed of Trust was secured by the bank, and provided for a foreclosure sale of the Property to satisfy the unpaid balance due on the Deed of Trust since I was alleged to be in breach of the agreement. I made monthly mortgage payments for the Property pursuant to the Deed of Trust for approximately five years, though eventually a balance accrued and the bank informed me of its intention to foreclose on the Property. On or about XXXX XXXX, 2015, the principal balance on that Deed of Trust was approximately {$100000.00}. The bank did foreclose on the Property, and the Property was sold on XXXX XXXX, 2015, for {$150000.00}. My understanding is that the bank received that full sales price from the purchaser of the Property. The sales price exceeded the balance on the Deed of Trust by approximately {$49000.00}. The bank has given none of the {$49000.00} excess proceeds from the sale of the Property to me, despite my requests for that amount. Rather, the bank informed me that they would provide that money to XXXX XXXX, a corporation that did not and does not have any lien on the Property. 
I was not notified that the bank was going to foreclose on the house until after the fact. The so called notice was sent to an address that is not mine upon inquiry. I also found out that the so called notice was sent only one week prior to the sale of the property. One would have expected adequate time and notice sent to the correct address before the foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief