milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: I paid my walmart store card balance in I full a hold has been placed on my account for out if pattern payment ( still on hold ) am told it can take XXXX days asked XXXX badge # XXXX if i can expect this XXXX month and she told me it certainly was possible for " out of pattern '' payments

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: The persons in the office does n't communicate when calling customers to ask them when they will be in to pay. The keep calling several times a day everywhere and anytime during the day. They also do n't give you chance to respond back to them and after responding there is another person who still calls the same way. Lack of communication inside the office.

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 05-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 

In XXXX/XXXX/2015, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. The promotion was set to end on XXXX/XXXX/2015. Knowing that the application might not be approved before the XXXX, I had confirmed via phone with a Citi Bank representative on XXXX/XXXX/2015 that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX American Advantage points upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months Similarly, I confirmed via phone again in XX/XX/XXXX, at activation of my account that I qualified for the promotion. This information should be discoverable as all conversations are recorded by Citibank. 

XX/XX/XXXX, after I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, it was confirmed again that I qualified for this bonus offer. I was told to expect points to be posted within 90 days, and to check back if this did not happen. I provided my AA number at the time in hope to speed up the process. 
On XXXX XXXX, I inquired again about the status of the promotion with Citibank. A service request was logged by customer services to open an investigation ( reference number XXXX ). 

On XXXX XXXX, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account, at activation, and after meeting the promotion requirements. I would not have open a bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. 

All phone conversations with Citibank are recorded and should be discoverable. 

I am requesting Citi to honor the set promotion and to waive all fees for this account until the points have been posted. 

XXXX XXXX. 

Attachment Screen capture of application Letter from XXXX XXXX at Citibank.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse

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 08/24/2015 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am receiving a bill from Bank of America for a student loan I do not believe I received. I have attempted to contact them many times including leaving voicemails, calling the BoA main number, and noone has been able to find this loan in their system yet I continue to receive a bill from them monthly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been making payments regularly on all my college loans without missing a payment except during Grace Periods. Last XXXX, in XXXX 2015, I was given a Grace Period for my other loans because I was facing financial difficulties. I was advised to continue to make small payments. I continued to make payments as advised. My problems with XXXX XXXX XXXX XXXX XXXX started when I sent my XXXX payment prior to receiving their bill. I noticed a late fee charge on my next bill and contacted them immediately. I explained what happened and requested they remove the late charge. The last time I called, their representative XXXX XXXX in XXXX, he insulted and hung up on me when I requested to speak to a Supervisor. I continued to make payments monthly as they continued to increase the late payment charge. There is a discrepancy between my account and the payments I have made. I got a " Second Notice Past Due Payment '' letter today. I never got any previous letter from them notifying me of any past due payment. Your Agency is my last resort to resolve this. I would like a record of all the payments I have made to them. It is my considered opinion that they are overcharging me. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed an item on my report because it was paid in full but was not reflecting that payment was made. I contacted the collection agency and explained that the account was paid in full and faxed a letter and receipt from the original creditor stating this. When investigation on dispute was completed it still was not updated.

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 Money transfer, virtual currency, or money service (International money transfer) with TD BANK US HOLDING COMPANY ().
Issue: Wrong amount charged or received

Complaint: I am an American living in XXXX. Every month I transfer money from my TD XXXX Trust ( XXXX ) account to my TD Bank ( USA ) to pay my student loan. TD Bank charges {$15.00} USD for this transaction, but because of the account I have the transaction fee is supposed to be waived. TD Bank also charges {$15.00} USD per month for the checking account, but this fee is waived because I maintain a balance of {$100.00} USD. <P/>Last month, unbeknownst to me TD Bank charged me the wire transfer fee. Next, when my student loan was debited from the account, it caused my account to be charged the {$15.00} maintenance fee. Thus, TD Bank wrongly charged me {$30.00}. Upon discovering this error I called and was able to have the fee reversed after an hour of being passed around on the phone. <P/>This month I can see that they have again charged me the {$15.00} transfer fee. From my TD XXXX Trust account I can only see the total of my TD Bank account -- I can not see all transactions -- but I can see that it is {$15.00} short. When I try to log into my TD Bank account to see the transactions in detail I am now locked out of the account. When I called to get the account unlocked they refused and implied that I am an impostor or identity thief. <P/>Next, I had to go to a TD XXXX Trust branch to show them my I.D . The employees at TD XXXX Trust said they would try to call TD Bank, but the issue has yet to be resolved. <P/>TD Bank is trying to defraud their account holders of fees. More so, TD Bank is trying to make it difficult for account holders to discover their " mistakes '' and have them corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Prepaid card (General purpose card) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: Someone use my Prepaid Card. I ask the bank to put the credit back on my prepaid card. the transaction is on : XXXX/XXXX/2015 for {$43.00}. it is for pageplus cellular. I told them I do not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Last week I received a letter from Chase that they will be closing my Credit Card on XXXX XXXX XXXX because " we are no longer offering personal and business credit card accounts to current or former non-US officials, their immediate families or close associates ''. 
This is a new credit card that I have used for less than 2 months and that I want to keep open. 
I consider this as a violation of the Federal Equal Credit Opportunity Act. 
I made them a call to the number they provided for additional questions but they were not able to provide information at that number. They referred me to a bureau to which I am sending a letter to request keeping my credit card open. I am providing both letters From-Chase and To-Chase as attachments to this complaint. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a XXXX bill that says {$84.00}. I have no idea. I have never been contacted about this debt. I would 've paid it. I do n't know the reason for this debt. I am not interested in paying someone else 's bills. The service being asked to paid for was n't being used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: This is a second complaint about Bank of America 's business practices, designed as they claim " to protect me, my account, and themselves ''. XXXX deposits totaling {$4000.00} were placed on a 10-day hold, {$2000.00} on XXXX and {$2000.00} on XXXX. These holds have resulted in a returned payment to XXXX XXXX, and has caused my credit card account to be suspended until the payment goes through, which means that I am unable to use my primary credit card. I have also been charged a fee by Bank of America in association with the returned payment. 

I 've been on the phone with Bank of America 4 times today totaling 2 hours. All reps I 've spoken to say that nothing can be done about these holds since they ca n't verify the funds with the other bank. I know this to be false because I 've dealt with this exact issue multiple times before with Bank of America, and on each previous occasion holds have been released. The payer has verified that funds have cleared from his account. Another deposit from the same payer, with a check from the same account, made after these XXXX deposits, has already posted to my account. Reps have insisted that removing the hold is impossible, and have refused to escalate my issue to a higher department, claiming that there is nobody else that they can escalate this to. I know this to be false as well ; when I dealt with this issue in XXXX 2015 I had been in touch with an individual in executive management, whose phone number was given to me and who called me back after I had left a voicemail. 

I have been lied to and stonewalled, and Bank of America 's actions are causing me financial hardship.

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 02-12-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Im writing to file a complaint about portfolio rc. I previously filed a dispute with XXXX   regarding the matter and they just sold the debt to another collections agency once XXXX  removed it. I have tried to dispute it with them and they have advised that the debt is legit and they will continue to pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: My husband and myself were pre approved for a mortgage loan. We gave {$500.00} in earnest money to our home builder and our loan papers were sent to a loan originator. A few weeks later we were contacted regarding some in dispute remarks on our credit. Phoenix Recovery Group was called by myself and my husband to have " account in dispute remarks '' removed from our credit report. We have also submit letters stating we no longer dispute the account and to please remove any indication that the account is in dispute to the collection agency as well as all XXXX major credit bureaus to have these remarks removed. The debit collector responded to the credit bureaus stating they refuse to remove the remarks. Upon calling the collection agency, a woman named XXXX screamed at me and demanded that I pay off the debit to have the remarks removed. She said her client needs to be happy as well. I told her that I did not need to do that and she is violating the law by falsely reporting to the credit bureaus the account is in dispute. She continued to yell at me demanding money from me. Our loan has since been denied because of this, our credit has taken several hits because they loan officer had to keep pulling our credit and we have to be moved out of our current home XXXX/XXXX/16.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me 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 non-monetary relief
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand in the amount of {$1800.00}. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent XXXX XXXX XXXX XXXX and mortgage company Ocwen , was not communicated to me. After the loan closed in XXXX 2015, Ocwen issued a check to XXXX XXXX for {$1800.00} which I did not authorize nor was informed of. Current mortgage company XXXX acknowledges this account is not escrowed from inception date. There was an active and paid Homeowners policy in forced at time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX each quarter tried to take away my funds. They reduced my grades, they never paid my balance from XXXX and approved me for XXXX. I never received XXXX degree after completing courses. They said I owed a balance ... have XXXX loans all federal in default. 

I only have letter stating I met the requirements for a degree. This has hurt my employment. 
I feel scammed by this university.. :

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 05/19/2017 about Mortgage (VA mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Closing on a mortgage

Complaint: On  XXXX  my wife and I executed a contract with Cash Call to refinance our mortgage. The Closing Disclosure forms that we signed indicated a total closing cost of {$2100.00} and cash to the borrower of {$11000.00}.     When the everything funded and closed, the closing costs had nearly doubles to {$4000.00} and the cash to the borrower was reduced to {$9400.00} These changes occurred without Cash Call informing my wife or me of the change. We were not asked to sign or execute a new contract or an addendum to the contract. As a veteran, specifically of the  XXXX   XXXX , I received what I thought was playful teasing about  XXXX  's and their relative intelligence as compared to a someone in other branches. I now wonder if this was in fact a true bias that has resulted is disparate treatment.     Bottom line is that I simply do not understand how a lender can make material changes to the closing costs and our cash out amounts after we signed/executed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Payday loan, title loan, or personal loan (Payday loan) with Complete Credit Solutions, Inc. (TN).
Issue: Charged fees or interest you didn't expect

Complaint: This account was opened XX/XX/XXXX.. I paid what I borrowed XXXX t interest 123.4 % total XXXX or more and this company posted this to my credit report on XX/XX/XXXX saying I ole XXXX and states is was opened XX/XX/XXXX! This is invalid information and needs to be removed of my credit report.. I tried to contact them several times for proof and no one has followed up with my request.

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 02/25/2016 about Debt collection (I do not know) with Essential Retrieval Group (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received call from XXXX XXXX at XXXX saying I was suppose to call XXXX. She could n't tell me why and did n't even know the name of the company she was working for. I called the XXXX and it was with a lady named XXXX XXXX saying she was from XXXX XXXX XXXX and said I owed XXXX Financial a debt. I asked her to send me the paperwork and she said she would but I have yet to receive it. I asked her if her company had a website and she said no. I said your company does n't have a website and I thought that was strange. I told her not to call me at work anymore!

Company response to consumer: Untimely response
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, I signed up for XXXX and immediately noticed credit inquiries on my report which I did not authorize. I called and spoke to a customer service rep and she stated I needed to reach out to the credit card company myself. Although I did n't agree, I did and XXXX stated the report would be sent to Transunion and check back in 10 business days. Now, four days ago, I received an alert from XXXX stating there was another credit inquiry for a mortgage. I called and spoke with a representative and stated I needed to call this company. I asked to speak to a manager, as I explained both times I was previously a casualty of identity fraud as a result of my car being stolen and all paperwork with ALL of my personal information stolen. I spoke with a manager, XXXX XXXX, and he stated they ca n't accept my " word of mouth '' ( XXXX P.A.  location ) I then asked about putting a fraud alert on my report to stop future inquiries and he stated it would n't guarantee future inquiries since its always my word against the companies. I want inquiries from my report removed immediately : XXXX Inquiry from XXXX XXXX, XXXX, XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX BELOW COMPLAINT I LEFT ON WEBSITE : XXXX/XXXX/XXXX I 've called and talked to 2 different CS reps about fraudulent inquiries on my credit report. I explained my identity had been stolen previously and I did not make these inquiries. Only to be told that my complaint is " word of mouth '' and the inquiries ca n't be removed without the consent of the company I never had any contact with. This company is an absolute joke and so is the CS rep XXXX XXXX in XXXX, P.A.

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