milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I am writing due to a misunderstanding regarding payment resulting in late fees and interest. The new balance of {$18.00} with a payment due date of XXXX/XXXX/16 was originally handled via ACH in a phone conversation with Citicards representative in XXXX. My wife and I always pay our bills in full and on-time, as attested to by our credit history and rating. 

The next statement ( payment due XXXX ), arriving less than two weeks after the original payment-due date, indicates a balance due of {$55.00} and the Citicard phone representative XXXX told me that it was actually {$74.00} due to additional late fees. 

I believe that an error in understanding, or otherwise, is behind the " missing '' payment of {$18.00} ( due XXXX ). 

I am asking that the late fees be removed this time. If so, we would continue as customers. 

On XXXX/XXXX/16 I paid {$36.00}, what I was told was the full amount due from XXXX identical monthly automatic transactions of {$18.00} each. This was to be payment-in-full for all monies owed to Citicard. Yet now ( XXXX/XXXX/16 ) Citicard tells me another automatic transaction of {$18.00} was charged on XXXX. However, again, I was told on XXXX that we only owed for XXXX transactions of {$18.00} each and my payment of {$36.00} that day covered all owed except for the interest charges. There should be no balance except the " interest charges ''. 

Additionally, the late fees appear to amount to well over 100 % on an annualized basis. Perhaps it is a calculation error but it does not seem reasonable or lawful. 

I sent, on XXXX, a XXXX letter to Citicard Customer service explaining all this and only received a general form letter reply that did not acknowledge any of the facts of this case. 

We always pay our credit card bills in full and on time. If Citibank is willing to calculate the interest charge on the original {$18.00} ( on the statement with payment due date of XXXX ) for one month, we would consider paying that to finally conclude this matter in a fair manner, especially when considering the considerable time I 've taken to resolve it and the rudeness of some Citicard representatives. 

Most recently, I spoke today with a Citicard supervisor, " XXXX '', ( employe id # XXXX ) who was rude and in need of retraining in communicating with customers.

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 07/24/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Advertising and marketing

Complaint: Citi AAdvantage is soliciting Credit Card application for XXXX at my residence, even after phone calls to stop sending those applications.

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 10/21/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX University for 4 years. My parents went through Chase to get my student loans. When I first signed my student loan paperwork the interest rate on it was low and they seemed to make it stated that I would have a low payment. After graduating college I received a bill stating I owed almost XXXX and my payment would be {$400.00} a month. This loan now 4 years later is an ARM with interest rates 12 %, 11 %, and 10 % interest rate ... NOT the XXXX, XXXX, and 6.25 % it started with or the payment of {$400.00} it is now {$700.00} a month. Mind you this is n't my only student loan because XXXX University is technically a college that costs XXXX a year and that does n't include food or books or rent. When I called Chase to discuss refinancing the lady on the phone literally laughed at me and stated there is no form of refinancing on chase private student loans because we no longer do them. There is no chance of you ever fixing in your rate or lowering your payment because we no longer have chase student loans. I was then transferred well my servicer is now XXXX which I have to go online and pay my bill every month which its due on the XXXX? Who gets paid on the XXXX of any month? I asked XXXX to refinance, to lower my payment, to do anything ... they told me Chase holds your loan and this is not possible. So after paying on my student loan for almost 5 years I am only down XXXX and I have a payment of {$700.00} a month with an increasing interest rate. My advice is if your parents or you are going to look at any student loans make sure you weigh out all federal loan options because I am sitting on private not moving. I have XXXX with XXXX student loan company and they wont do anything either. They call me about XXXX every 6 months to tell me basically that my payment is going up because I wont pay my student loan off in time. 
Why is it possible for PRIVATE loans that DO NOT have a part of this loan business anymore capable of not fixing in a rate, or lowering a payment, or doing anything to help? Why is it when you graduate you automatically are thrown under a bus and no one will help?

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX
Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: $XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XX/XX/XXXX for XXXX<

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Trouble during payment process

Complaint: Bank of America 's Mortgage Servicing Department has put in place an automated phone system that does not work properly and as a result, not all of its borrowers can get access to help from a mortgage servicing representative. 

I have difficulties using automated voice response systems. Bank of America has made it impossible to speak to a representative without entering or giving identifying information to the AVR system first. This means that in order to speak to a representative, I have to have someone from my branch call in for me, which reduces my privacy and adds significant time. 

This requirement could be a problem for the elderly, XXXX or anyone who does not speak XXXX or XXXX ( there are no other language options ).
It makes it much too difficult for someone who needs help - a miscredited or lost payment, etc - to get the help that Bank of America is required to give.
In my case, we did get behind on our mortgage for one month but we BELIEVE we have caught it up. But there is an extra charge on our mortgage bill that we do n't understand and I have not been able to reach them to talk about it because I can not get through on the phone lines. 

I 'm not sure what Bank of America is legally required to do as a mortgage servicer but I do know that this is not a consumer-friendly way to deal with people who are dependent upon them for accurate, prompt and responsive service.

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 12-07-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (TN).
Issue: Trouble during payment process

Complaint: XXXX Mortgage servicer : XXXX, XXXX I requested to be mailed a paper statement each month since their website does not allow me to see any information regarding my account. They also do not report my mortgage to any of the three major credit bureaus. I made the request for the above two items. They stated because I had filed for bankruptcy in XXXX ( XXXX XXXX ) and the home was never included in bankruptcy, that they will not mail me a paper statement or report my mortgage to the credit bureaus. They told me to send a letter to their correspondence Dept which I will do. They will not talk to me however, but only through mail. And it will take 30 days to respond to me. I do not understand why they cant do these two requests since I have had other mortgage service companies prior and our bankruptcy never prevented my ability to obtain a monthly statement or for them to report to the credit bureaus. Please advise what recourse I have. I deserve to be able to receive a paper statement from XXXX and for my payments and payment history to be reported to the credit bureaus. 

Their correspondence department address : XXXX XXXX Correspondence Dept XXXX XXXX XXXX XXXX, CT XXXX 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 06-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: I am writing to make a formal complaint regarding the assessment and adjudication of said fees on my Bank of America checking account. 
I called Bank of America Customer Service this morning XXXX XXXX 2016. XXXX previous calls were made with no connect made due to high call volumes and wait times between XXXX and 50minutes. 
- I spoke initially to XXXX and subsequently to her supervisor XXXX XXXX. 
- I requested a review and consideration of reversal for at least some of the fees assessed to my account XXXX of which have come in the last 6 days. 
- I pointed out that attempts were made to bring the account to date as soon as email notification was received. 
- Same day deposits were ignored and fees were assessed regardless. 
- A total of {$420.00} in fees have been assessed to my account in the last Year - A total of {$170.00} in fees have been charged to my account in the last 60 days - A total of {$70.00} in fees on a single transaction for {$70.00}, for which I made XXXX deposits totaling {$50.00} - I have been a Bank of America customer for over 10years - XXXX XXXX adjudicated claims as non-reversible and ended the call on that note. 
- I would like to request a second review and at least some of the funds returned. 

The fact that bank of America can charge {$420.00} in fees on low balance checking accounts, routinely and without any moral dilemma about it shows a callousness and complete disregard for its customers. 

I would like to see some measure of amelioration applied to my case. 

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 monetary relief