milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer fee

Complaint: I received an email from the Citi Fraud department so I called Citi credit card services to gather more information. Upon talking to the representative I was advise a dollar amount that was different than what I had. I had used XXXX promotional checks from Citi for 0 % on balance transfers until XXXX/XXXX/2016 with a {$5.00} or 3 % fee, whichever was greater. After talking to the fraud department I started questing the amount and they transferred me to a customer service where I was told the fee is % 5 not % 3, I advised that the paper I have that is attached to the check states 3 % not % 5, Citi has mislead me as a customer as to what the offer really is. The manager and the representative could not explain nor wanted to help why I was charged % 5 and not 3 %. Citi is a misleading consumers.

Company public response: Company 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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Items do not belong to me. My Identity was stolen.

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 04/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Midland Funding LLC sent me a summons of an alleged debt that I never obtained. I was given a summons to appear in court on  XXXX   XXXX ,  XXXX  in which I went to file a notice to appear. I had no days off of work to attend the actual court so I call ed Midland Funding and  stated that I did not own the debt and how could this be resolved. It was stated to me that I must agree to make a payment in order to have the case dismissed in which I did because it was stated to me that my bank account or wages would be garnished if I failed to do so.     In their summons and my previous complaint it was stated by them that the dates were in fact true and that they made no mistake nor did they falsify any documents. I have attached the entire summons report along with portions of the summons tat have been either falsified and/or altered. If you take a look at their Bill of Sale dates specifically in Exhibit B, you will see that the agreement between  XXXX  an d Midland Funding agreed  to a sale of accounts on  XXXX   XXXX ,  XXXX . Then take a look at the last page of the summons and you will see that the alleged account was not charged off until  XXXX ,  XXXX  of  XXXX  .There is no  way that this could be true. To go long with that on the very same page the the origination of the alleged account with  XXXX   XXXX  was  XXXX   XXXX   XXXX  with a payment date of  XXXX   XXXX   XXXX  that myself or banking institution has any record of.     If this an is an alleged account it would still be within the billing cycle because the card would have just been issued so at what point would a consumer default? So basically t heir Bill of Sale i s that of a date when the alleged account would be still current, therefore this is fraud and that is not good business practice. I have attached the summons which is also court documents. i also received a response from  XXXX   XXXX  stating that they were unable to locate any past or present accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Managing, opening, or closing account

Complaint: These cards are still the latest crusade for financial institutions to steal as much as they can from consumers ... They do it in the name of fees but the reality is they are taking money that does n't belong to them and without our express consent and with terms and conditions in the smallest print possible ... They offer companies these cards at a discount knowing a great number wo n't be used and they can keep the money ... I would like the cards 'refreshed ' and if really care to add a little convenience, perhaps put the balances on XXXX card. The account numbers are : XXXX {$70.00}, not worth {$52.00}. XXXX {$50.00}, now worth {$40.00}. XXXX {$80.00}, now XXXX, XXXX {$40.00}, now {$8.00}, XXXX, {$20.00}, now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Auto) with NATIONWIDE ACCEPTANCE CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have told them repeatedly that we will be going through bankruptcy. ( Will be filing next week ) please come and get the vehicle. Since then somebody named XXXX has called my wife and I daily wanting the attorneys name. We are self representing with the help of an independant paralegal. Even after being informed she continues to call us daily. I told her repeatedly just come get the vehicle. She sltill persists.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Billing disputes

Complaint: W e were vacationing a hotel and used the Chase Credit card to charge the room fees. On our drive back home the hotel left a message that we had vandalism in our room and that this was being charged to our cred it card. This was in  XXXX  and the fraud department at Chase has never investigated this fraudulent claim / charge on my card. On  XXXX   XXXX  i cancelled all of my cards at Chase and ended a  XXXX  relationship with them over this issue. Now since then I have written  XXXX  additional time to the company and they have now been charging late fees and interest payments on the closed account. Today I started receiving the call from their collections department and have no sense of being exonerated with regard to these false charges placed on my card. They call regularly and have no information they have reviewed and I have to explain to them over and over but no one is listening in their customer services department.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Struggling to pay mortgage

Complaint: I received a trial modification agreement where the taxes and hazard insurance for escrow is incorrect. The correct amount for the annual hazard insurance, the monthly escrow is {$100.00} and the annual property tax, the monthly escrow is {$180.00}. I asked Penny Mac to correct the monthly escrow amount to reflect the correct amount which will lower my monthly mortgage payment. They want me to sign the modification documents on an agreement that is not correct and if I sign that is agreeing to an incorrect escrow payment. 


Hazard Insurance annual premium {$1200.00} divided by 12 equals {$100.00} XXXX XXXX XXXX County Trustee {$2200.00} divided by 12 equals {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Account opening, closing, or management

Complaint: I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.

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 01/13/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: Opened a new Citibank Checking account on XX/XX/XXXX with a promotion code to receive a {$400.00} cash bonus within 90 days of the date that all requirements were met. I met all the requirements and should have received the payment on XX/XX/XXXX. Spoke to citibank representatives multiple times after that date and was told my bonus was being investigated. As of XX/XX/XXXX, was told that the investigation might take up to 60 more additional days to be resolved. Was also told that closing my account and withdrawing my current balance could make me illegible for the bonus. Citibank seems to be clearly stalling payment that is due to many of the customers that signed up for this promotion. By breaking the agreement to pay within 90 days, I believe that this is clearly fraudulent marketing practices and should be investigated as it may be effecting thousands of consumers.

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 03-07-2016 about Student loan (Federal student loan servicing) with Williams & Fudge, Inc (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: This agency constantly called a place i consult for work, This might effect my relationship with this employer, negatively impacting my ability to work. I was told that they kept on calling. That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I have experienced a variety of issues with my loan application with Wells Fargo : 1. My application was mishandled with full of inefficiency and miscommunication and took unnecessarily long ( nearly 2 months ) to reach a decision. So much time and effort was wasted during the process and I had to switch to another lender at the end. The closing was delayed by at least two months. 
2. My loan was rejected with a wrongful reason. The rejection letter simply stated " insufficient funds to close the loan '' as the reason, which is against the fact and the documents I submitted. This also harmed my reputation and credibility as I had to present the rejection letter to the seller for extension of closing. 
3. I requested detailed information based on which my loan was rejected and refund for payments I made to Wells Fargo. They keep telling me that they need more time to investigate without any further explanation. It 's been more than 6 weeks now and they have n't provided any information I requested. This, as I understand, is a violation against my right under Fair Credit Reporting Act.

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 08-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Overdraft fees are outrageous. For the most part my account is positive. I wish that it would reflect that on XXXX XXXX. I should n't be charged for using the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2016 about Debt collection (Medical) with Law Office of Charles G. McCarthy Jr. & Assoc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: over the past 1 year a debt collector called about a XXXX dollar fee for a medical dev ice on my husbands XXXX. I told the company to pick it up before because it did not work properly anyway. At the time the man who called cussed me out, yelled at me, threaten me. He said awful things. My husband suffered a XXXX in XX/XX/XXXX.I was taking care of him full time .With no help. I have no family. He is also a veteran and now he is XXXX. Mind you this bill was from XXXX. In XXXX when this man did this he probably called 50 times. Than after about4 months another man started calling from XXXX XXXX. He was trying to collect and said it was handed to him and he was with a law office. I told him to quit calling me. Well he did not stop. He plays the nice guy. I told him I was not paying and to sue us. I also told him my husband is almost XXXX and has a brain disorder leave us alone. He wanted the machine back but medicare paid for that i found out. Please do something for us. I have a husband ill and am XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have been arguing with Honda Financial Services over disputed late payments for 34 months. They claim they have no record of our conversations and wo n't remove the lates from my credit report. Since our last conversation, they have made changes to previous leases reported to XXXX in an attempt to further ruin my reputation. They are targeting me because I reported them. They are now claiming that a lease I had in XXXX ( acct # XXXX ) was included in a Bankruptcy Chapter XXXX and became delinquent in XXXX XXXX  None is this is true. There was never a delinquency, and there was never a Chapter XXXX B/K. I do n't appreciate Honda Financial bullying me by trying to claim that a lease that ended without incident almost 7 years ago was delinquent or subject to a phony bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never gone by XXXX XXXX. I am thinking it is some kind of identity theft. Please let me know what I need to do to get this name off of my credit reports. 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 non-monetary relief
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX XXXX XXXX XXXX, I Called for assistance on setting account up online to view and pay bill ( this was a replacement card ). First call went great, I thought I could finish registration on my own, ended call. Could not complete online registration and I called back in, I got a rep in the XXXX and I politely asked to be transferred to a rep in the U.S. and he replied " oh, so you do n't want to talk to a XXXX? '' I did n't say anything and hung up. I called back in, very frustrated and got an American rep, I thought she said her name was XXXX, but I was n't sure so when she asked for my name, I asked for hers again ... she acted like I had given her my name and said one moment, while I open your account. I do n't believe that I ever authenticated the account. I said something else to her and she did n't even hear what I said, so really frustrated I hung up again. At this point, the law of averages HAD to be on my side, right? I got XXXX this time, nice guy, but I asked for a supervisor ... maybe his name was XXXX? This guy spoke over me, did n't have my account pulled up and advised me, that he would listen to the 2 calls based on my statement, and call me back. He called me back within 20 minutes and said that he had listened to the calls and I did say that I was thinking about cancelling the account. He said that the mean XXXX rep transferred the call to an American rep and I cancelled the account ... .but wait! I hung up on the overseas rep, he never transferred me. I mentioned closing the account to get transferred to an American rep, because their retention dept is in the US. The supervisor obviously never listened to the calls, even though he said he did. He said that I told XXXX that I wanted to cancel the account and even though I hung up right at that point, they cancelled it. Keep in mind, this was the rep who never authenticate me account. I hung up on this lying supervisor and called back in, this time I got XXXX, a real supervisor. She was kind, thoughtful and offered to reactivate the card ... I think that she told me the XXXX rep closed my account and he most certainly never authenticated my account. XXXX advised that this issue would be referred to corporate for investigation and the she would call me back. I did n't let her reactivate my card, because it would run a credit check and hit my credit report and we are buying a new house, the rep that cancelled my 2nd oldest credit card, hurt my credit by doing so .... all I wanted was to view and pay my bill online and speak to a US based rep ... my card had been compromised by someone in the XXXX ... that 's why I wo n't give them my info.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax mishandled my personal information including my name, social security number, address, birthdate, etc., resulting in a data breach in XXXX XXXX. Equifax confirmed I was affected by this breach per their " Potential Impact '' site XXXX. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and XXXX to remove these inquiries.

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