milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Rewards

Complaint: Recently FIA card services closed all XXXX of the credit card accounts I have with them. They also failed to pay {$200.00} worth of reward dollars to me for my purchases I made with their credit card prior to the account closures. Had I known they were going to close my accounts, I would have made these purchases with another credit card. Throughout my relationship with the company I always paid my bill better than required, and I never made a late payment. I followed their terms and conditions, yet for some reason which they have not disclosed to me, they closed my accounts. 

I want to receive the {$200.00} in reward dollars they promised to me in accordance with their terms and conditions. I tried to resolve this by calling FIA, but the telephone representative was unable to redeem the XXXX points to my Fidelity account.

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent information pertaining to XXXX XXXX being removed from my credit report because it was included in my bankruptcy. I sent this information to all XXXX credit reporting agencies. XXXX and XXXX have sense removed it. Equifax on the other hand has not. I have sent Equifax the information 3 times and it has now been a year maybe a little over. The account has been sent to a collections agency called XXXX. I talked to them and they said they will not remove it out of collections because judgement was before I filed bankruptcy. XXXX XXXX received bankruptcy and forwarded it to XXXX XXXX and they still will not take it off my credit report. Now they are saying that I owe more money because I never paid. Why would I pay when it is part of my bankruptcy. 
Why is it that XXXX credit reporting agencies have removed it yet Equifax refuses to do the same?

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Prosper Marketplace, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Prosper account Loan # XXXX Showing on my credit report as being late payments incorrectly. Prosper made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received from the city of XXXX a tax statement to be refunded money for school taxes in the amount of {$330.00} and {$570.00} for the tax year of XXXX and XXXX. I have been calling XXXX to get a receipt sent to me stating my taxes were paid for XXXX and XXXX and they refuse to send the information to me. I would like my money returned to me and I keep getting the run around about my request about the tax receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (MT).
Issue: Managing the loan or lease

Complaint: Navy Federal Credit Union has issued XXXX loans in my name to my spouse. I discovered these debts in XXXX XXXX. I am currently pending a divorce and have filed a criminal complaint against my spouse for forging loans and taking credit cards in my name ( total XXXX accounts at approx. {$160000.00} ) and filed a divorce in XXXX XXXX in Montana. Navy Federal 's loans issued in my name have helped to destroy my credit rating and I am in their collections department for a loan that I did not authorize to be taken out or take out. I have reported to Navy Federal Credit Union that the loans are fraudulent and forged as I never authorized them or signed them or gave signature authority to my spouse or anyone else to take them. I have provided affidavits to Navy Federal Credit Union telling them of the fraud they will do nothing and are coming after me in collections. I obtained the XXXX forged promissory notes from Navy Federal Credit Union in XX/XX/XXXX, XXXX XXXX and XXXX XXXX. I can not get any assistance from them and they claim that the loans are not fraudulent. 
My Criminal statue for Felony Forgery is still active from date of discovery and so is my civil statute. I am using my rights on both ... criminal vs. wife and civil against wife. I also will be filing civil suit vs. Navy Federal Credit Union for their part in my financial destruction. 
In Divorce actions I am required to maintain assets and payments until court decides the action ( economic restraining order ) so I started paying from my account on the vehicle loan in XXXX XXXX. Very easy to prove and Navy Federal will show that I have been paying XXXX per month since XXXX XXXX. Other than that I have never made payment on any of the loans as I did not know that they existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MIDCOUNTRY FINANCIAL CORP (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Heights Financial calls 3-5 x 's a day and leave messages 3x 's a day as well. It is harassment to leave 3 messages a day literally minutes apart. XXXX/XXXX/16 Heights Financial called me at XXXX, XXXX, and XXXX ... each time a message was left. That is 3 messages in 30minutes!! That is excessive!! I have phone records and voicemails to prove this has happened multiple times.

Company response to consumer: Closed
Consumer complaint received 03/18/2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: synchrony bank continues to report an erroneous account that does not belong to me on my XXXX and XXXX credit reports. they sent me copies of statements showing my name and address. I requested a copy of the credit card agreement showing my signature where I agreed to open an account with old Navy. I never opened nor used this account. it continues to damage my good credit.

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 12-01-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have filed a fraud complaint with XXXX and they have her recorded stating to cancel the service and now charging me XXXX for equipment she threw out against her for the XXXX and also filing criminal charges for opening a XXXX card with all my information and XXXX says she forged my signature to open the credit card. Fraud Ticket Number XXXX. 
I am on the phone with XXXX to get the application where she signed my name and will go to the police department tomorrow to file charges against her. 

XXXX XXXX AKA XXXX XXXX has open a XXXX Card in MY name without my consent and signed my name she also canceled the cable and threw the boxes in the trash without my permission she is not on either account and just found out about the credit card because its in collections.. I need help please She also fraudility gets food stamps he mom and sister and XXXX XXXX helped her do this and they all work and gte food stamps she tried to get disability until they caught her cleaning houses and now her mother XXXX XXXX is lying to get disability and all se their pain pills. XXXX XXXX and XXXX XXXX all see several doctors to gte massive amounts of narcotics

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I notified you of my mortgage company, Caliber Home Loans, for not not crediting my account properly throughout my bankruptcy. Thanks to your company, Caliber credited over XXXX to my mortgage account. Thank you! 
This request is to follow on the other complaints, which was the fact that they continuously reported me late to all XXXX credit bureaus for over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Managing the loan or lease

Complaint: I had a loan through Springleaf which was paid off XXXX XXXX/XXXX/XXXX. 
Despite my phone calls they continue to bill for this and add late charges and fees. I believe this is effecting my credit score negatively. I spoke to a representative named XXXX XXXX on XXXX/XXXX/XXXX who told me my balance would be set to zero. But I received another statement claiming I owe {$16.00}. Now I 'm trying to reach them by phone ( again ) but the phone system no longer lets you talk to a live person. 
I am writing a letter to Springleaf today, but without help I believe they will just ignore my requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: Credit card companies ( e.g., XXXX XXXX, Citi, etc. ) often offer rewards based on purchases made with merchants accepting their cards. The amount of the reward may depend on the Merchant Category ( type of business ) of the merchant. My issue is that it is very difficult to determine BEFORE making a purchase, what the Merchant Category Code ( MCC ) is for a given business ( e.g., XXXX, XXXX, etc. ). I have called both XXXX XXXX and Citi to determine the MCC for a specific business entity, and was told by both that they can not ( not allowed to ) provide that information, even though it is displayed on my billing statement the next month following the purchase. I am told by the credit card companies that it is up to the merchants to specify what their merchant category codes are and that I should contact the merchants directly to determine their code. The merchants I have contacted have been unable to tell me, for whatever reason, what their MCC is for the credit card companies they are associated with. For the consumer, I think the lack of access to a merchant 's MCC is a disservice, if not deceptive marketing practice to not make that information available. The vacation rental that I am looking at reserving for ~ {$6000.00} can result in a credit card rewards of $ XXXX {$180.00}, depending on the one of several reservation agencies MCCs I choose to make the reservation through. Because the credit card companies will not provide me with the Merchant Categories for the several agencies I am looking at, I can not determine ahead of time which merchant can offer me a better offer. It 's like the airline industry not revealing baggage charges ahead of time. Although the rewards are not hidden " charges '' the hidden MCCs can result in lost savings to the consumer.

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 06-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit determination

Complaint: I received a response letter from Bank of America dated XX/XX/XXXX. The letter was addressed to XXXX XXXX XXXX XXXX, my name is XXXX XXXX XXXX. The letter explains due to a current or past delinquency my application for a credit card was denied. The letter also states that Bank of America bases their credit decision on information we have available on existing accounts and the applicant 's credit bureau report. I retrieved a copy of my credit report from XXXX and attached the summary report confirming NO POTENTIAL NEGATIVE items were on my report and XXXX accounts were in good standing. Bank of America references a discharged Chapter XXXX Bankruptcy from XX/XX/XXXX. I note ; XX/XX/XXXX is 16 YEARS AGO. Well past any reporting period. Record retention requirements state negative information will remain on credit file for 7-years. 16-years is well past 7-years. State record retention requirements also reflect 5-7 years after an account is closed. Once again, 16-years is well past this requirement. I think the actions conducted by Bank of America are unfair and deceptive. They adopted independent policy practices outside of peer Bank guidelines. Additionally, they are adopting practices outside of normal periods considered in consumer credit laws and regulation standards. This is alarming and I am hopeful the CFPB will investigate this matter further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report

Complaint: I filed a complaint against Chase a couple of weeks ago. Please reference complaint # XXXX. 

I just got an update today stating the complaint was closed due to my lack of response to a letter they sent me. Based on what I am about to explain it will become quite clear that the letter was probably never physically sent. The first I have seen this letter is attached to today 's CFPB reply. 

The letter says that my credit report screenshot was illegible ( which in fact it is very clear and concise ) SEE ATTACHED FOR YOURSELF THAT IT CANT BE MORE CLEAR IN REGARD TO THE ISSUE. 

Secondly, they reference XXXX being the bureau in question which clearly shows they do n't know what they are talking about or did n't even do their due diligence. Both the CFPB complaint and the attached doc show XXXX is the clear issue. The credit report does n't even show XXXX or XXXX  reporting this account so I am even more baffled at the reply! 

PLEASE INTERVENE AND PUT SOMEBODY COMPETENT ON THE CASE!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Credit card debt) with Credit Corp Solutions Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/17 I got a call from the collection agency at work. I had already told them not to call me at work to call my cellphone. I called XXXX back on my break. I explained that I was trying to get my financial situation stable that if I could give a payment in XXXX that tax season was already in XXXX and that I would be able to give a payment by then. She transferred me to her Supervisor. I explained myself to him and he proceeded to intimidate and threaten me stating if I didnt give him some kind of payment that day that he would put down that I refuse to pay this debt and make sure a suit was filed. At no moment did I say I would not pay this I know I owe this money but I went thru a hardship almost lost my house and fell behind with other debts. He said if I can pay my car note then I can give him a payment that day. He again said he would make write down that I refuse payment cause if I can pay my house and car then I can pay him. At that point I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2015, I received my free updated " XXXX '' credit report. 
After reviewing it for accuracy, I noticed a " negative credit entry '' remark that I owe " XXXX '' approximately $ XXXX since " XXXX 2015. " I 've had " XXXX XXXX XXXX '' for the last 18 years. I 've never had " XXXX. " So I called up this " debt collector '' named " Diversified Consultants '' at XXXX as listed on my " XXXX '' credit report. 
All they said was " Pay if off, and then we 'll take it off your credit report. " I told them it was n't my debt, that I 'm a victim of " Identity Theft. " They just then " hung up '' on me!

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am responding to the request from TransUnion to re-submit the complaint I sent through CFPB. The assigned case number is XXXX. Below was their response. 

After reviewing your complaint, our records show the information you disputed does not currently appear on your TransUnion credit report. The current mailing address you provided is not listed in our records. In order for TransUnion to process your request and to protect the private information in your credit report, please re-submit your complaint along with verification of your current address. Acceptable forms include copies of two of the following qualifying documents : current drivers license, State ID Card, Utility Bills, Bank or Credit Union Statement, letter from the Social Security administration, cancelled check, pay stub, stamped post office box receipt, bank or credit union statement. When providing proof the documents can not be older than two months. Under the guidelines of the Fair Credit Reporting Act, in order to assist you, please contact us : By phone : XXXX. Monday-Friday, XXXX XXXX  XXXX XXXX ET, by mail : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 

I have already mailed them the copy of my current drivers license and the bank statements over the last two months. I am re-submitting the complaint through CFPB as well.

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 12/26/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i gave a rep XXXX who told me i would be able to get XXXX of equity out of the house when i closed. i did not get the money and was told rental income was reported on my mortgage without any signed leases that i am aware with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number XXXX has been calling me for months. A message is never left and if I do answer its dead air. If they have something to say or have a legit bill, they can send it to my address. If they truly have an account of mine they should have my mailing address. The calls just need to stop now! I feel harassed by the calls.When I look up the number it says the company is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (MN).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Chase has security policies and rules that are so strict they actually render their attempts at security less effective. I have 16 years of   XXXX   XXXX   and have 100s of passwords I need to know. The only way I can remember them all with out writing them down is to have a formula. Chase 's rules break my formula and actually they are the most restrictive rules I have ever seen which means several variations my formula that I commonly use do n't work. That means the only way I can remember my password with them is to write it down. Any beginner in   XXXX    knows that is the worst thing you can do.
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Once I got past the password fuss they asked me for my personal bank accounts username and password so that I could do an ACH transfer to them. In this day with companies getting hacked all the time Chase is doing their customers a huge disservice by asking for this. This is NOT something anyone should ever do. I have a wallet full of cards and accounts I make payments to by ACH. NO ONE has ever asked this from me. The only other option is to have several deposits made in to my bank account. The only one that has ever asked that is PayPal.
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The bottom line is Chase is not making their system more secure. Its making it less secure and harder to use.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Home equity loan or line of credit) with M&T BANK CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I was granted HAMP XXXX mortgage modification by XXXX XXXX in XXXX of 2014. I have made XXXX trial payments plus have continued with the payments. XXXX XXXX can not finalize the agreement because M & T Bank will not subordinate the home equity line they hold. M & T claims their interest is not covered because of the property value. They said they will do another valuation, however the period to resolve this issue with XXXX XXXX has expired and they have put my property back in active foreclosure status. M & T has thus jeopardied over XXXX months of negotiations to reach an agreement and will force a new application for relief to be made or worse. 
M & T Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Synchrony Bank, the operators of XXXX XXXX XXXX 's store credit card, have repeatedly applied payments incorrectly to promotional balances. 

I have several purchase balances that are on a 'fixed payment schedule ' meaning that they are a set amount for a set period ( {$9.00} per month for 48 months, etc. ). 

I have other balances that are deferred interest if paid in full ( 0 % for 18 months for example ). These require no pre-payment until the end of the promotional period, aside from a monthly minimum. 

Their terms state that payments in excess of the minimum payment for the fixed payment plans are applied to firstly non-promotional balances, secondly to deferred interest balances, and lastly to pay down the balances on the fixed payment promotional balances. 

For 2 consecutive months, they violated these terms by applying the excess to the fixed payment balances and reducing the payment applied to the deferred interest ones. This would result in my being unable to pay off the deferred interest until the entire balance of the card was paid off in full, likely resulting in my having to pay the deferred interest if I was unable to clear the entire balance.

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