milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have had 6 unauthorized atm withdrawls all on XX/XX/2018 form my American Express Serve Account : 3 {$500.00} withdrawls from the same atm, 1 {$400.00} and 2 {$200.00} all amounting to {$2300.00}. i have submitted 2 decleration of fraud forms per dispute and the police report. my disputes where denied twice. My account have been permanantly suspended and i have no access to my funds. i am also expecting my state income tax to have been deposited in to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I am currently into month thirty on making the WRONG calculated payment that I should be paying on my 30 year term mortgage ... Recently I was informed that Freedom mortgage was willing to help by increasing my term up to a 40 year term only to save me {$100.00}. Realize that this was after a 2 year miscalculation on my payments from the original lenders that caused this entire mortgage to snowball on me. I was in the process of resolving the issue by paying back the ESCROW SHORTAGE that this caused me when I refinanced from these amateurs. And then at this time it was supposed to be reviewed and adjusted in my favor to get a reduction on my mortgage ... It has now come to terms to seek some kind of help on this entire hardship that is causing me Including all documents and HUD copies to be reviewed. At this time I have no choice rather than to take this bogus offer only so I can afford to continue to fight this matter. Or I may even just pay the taxes only personally to my county to make this matter kick in by getting worse to prove what a missed tax payment from so called Authorized, Professional resources can cause ... I mean how hard can it be to review a scam that took place practically in my hometown approx 30 months ago?? Could both my Girlfriend and I mistakenly misunderstood the closing agent who acted as a notary public on the evening of XXXX XXXX and stated to us that " this cashier 's check for the amount {$2400.00} is going to your county so you KNOW that you have piece of mind knowing that your 1st quarter taxes are paid. '' And we thanked her. XXXX also stated to me that, to make sure to follow up because she did not really know the company that sent her to my home to sign the HUD and she was ONLY working as a notary public on that evening in early XXXX XXXX ... .I actually did call my township and the clerk stated to me that there was a check and they were waiting on the bank code where to place it? At this time I thought everything was fine, and 5 months after that I just starting receiving all kinds of delinquent notices ... ... ..I mean how much more can I prove to you people who ever you even are because I am getting sick and tired of everyone not being a man enough to stand up to me face to face or one on one to at least discuss or resolve this issue because next XXXX XXXX I am going to be on this stupid computer cell phone technology modern science trying to communicate over such a simple matter. Or at least say to me : look XXXX XXXX I am not reading the HUD properly or I was suppose to rush down to my county clerk to start my NEW escrow account. Somebody has to take a look at these facts.

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 02-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Payoff process

Complaint: CapitalOne charged me {$35.00} Late fee for making a payment that was {$2.00} short. 
They are being very insensitive and for almost a year they have refuse to issue or allow me to select a PIN to use at the ATM Branch to make Payments to my account after Banking hours at XXXX! All credit card companies issue or allow their customers to choose a PIN to have access to ATM 's in order to process payments. This selective method of payment is a Violation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all three bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.

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 12-05-2017 about Debt collection (Private student loan debt) with Law Office of Michael J. Scott, PC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: on XXXX/XXXX/XXXX I received 2 letters from XXXX XXXX XXXX, XXXX informing me that they were attempting to collect debt from two accounts currently held by the XXXX XXXX XXXX XXXX XXXX. 

These two loans were issues in XXXX and I have not made payments on either these accounts for quite some time ( 5+ years ), when they were previously held by XXXX XXXX XXXX . 

I found this article : https : //www.consumerfinance.govXXXX  My understanding is that attempting to collect this debt either by the XXXX XXXX XXXX XXXX XXXX or a 3rd party is currently illegal. 

They are attempting to collect the following two accounts XXXX - {$10000.00} XXXX - {$3600.00} I have not taken any action at this time but I do plan on contacting a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Dear Sir or Madam, Back in XXXX, when my wife and I were trying to receive XXXX gift from our families abroad to put a down payment for our first home purchase, our family in XXXX used a money exchange company to send the money to our Bank of America account. 

It looks, due to the XXXX sanctions, the money transfer company did not use the global wire or swift system, and instead did it through bartering. 

After noticing some cash deposits in our account, Bank of America called us and asked if we know the people who made those deposits. We told the story and gave them full authority to investigate the case and if needed return the money to the people. 

On XXXX XXXX, we both received letters from Bank of America saying they have decided to close our accounts. 

We asked for the reason, but was told the bank has the rights to end her business with us anytime they want and is not obliged to give us the reason. 

We accept that, but asked BoA to give us any kind of documents or evidence of blocking that XXXX so our parents back in XXXX can take the money exchange company to curt and ask for the refund. 

Since then, we have not received any update or answer from Bank of America. 
They simply ignore us, and despite calling more than XXXX times to people who we are told are working on our case, we have not heard a word. 

BoA even kept the sum of $ XXXX in my wife 's saving account which has had nothing to do with that disputed deposits. 

It is so frustrating to see that how Bank of America instead of treating us as victims, incriminating us, most likely profiling us because our relations to XXXX, and treating us with ultimate ignorance. 

And all of this has happened after we both were loyal costumers of BoA for more that 5 years, and have got excellent records with them.

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 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.

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 03-12-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: Dear Sir/Madam, In XX/XX/XXXX, Costco terminated their relationship with XXXX XXXX and required use of a Visa credit card. Citi offered a New Costco Anywhere Visa Card and with it advertised rewards which included 0 % Intro APR on Purchases for 7 months. I signed up for the card but noticed that Citi applied late interest in month 4 which I refused to pay, so the interest charges continued for 3 additional months despite paying off the balance of my merchant charges. I sent Citi several letters detailing the interest error, but they replied the charges were correct. Ultimately, I stopped using the credit card and Citi then charged me a {$25.00} late fee for not paying the late interest. During this dispute, Citi sent me a notice expressing thanks for being a great customer and lowered my APR for new and existing purchases on my Costco Anywhere Business Visa account through XX/XX/XXXX. In other words, Citi twice offered me 0 % interest, yet they charged interest. Also, nowhere in the Citi card brochure or on the Costco Citi Card web site does it discuss a late fee in addition to late interest. 

Citi clearly waived any interest from the start of my new credit card account until XX/XX/XXXX, yet they charged interest and continued to charge me even after I paid off the principle. Once I discontinued using the card they then charged an undisclosed late fee on the late interest. Their non-transparent, deceptive and disingenuous business practice is abusive, intimidating and unfair. I spoke with a Citi representative ( XXXX ) on XX/XX/XXXX who told me I misunderstood the notices discussing the 0 % interest offers and apologized for my misunderstanding of the unambiguous Citi notices as if I were an idiot. She then went on to tell me my account was put into collection for non-payment of the late interest, which should never have been charged, and a late fee on the late interest which is even more ridiculous. Credit card companies should not be allowed to defraud the public, and I respectfully request that you investigate Citi 's offensive actions. 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
Consumer complaint received 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing to dispute charges of AFNI account # XXXX that stemmed from past due charge at XXXX account # XXXX. I entered into a bundled package with XXXX and XXXX while living in XXXX, CO during the time frame between XX/XX/XXXX and XX/XX/XXXX. We moved to XXXX XXXX in XXXX XXXX and transferred our XXXX account at that time ; however, XXXX did not provide service in XXXX XXXX so we had to terminate the service which we did in XXXX XXXX. We paid our final bill upon leaving XXXX ( which was combined as XXXX bill with XXXX ) and then began paying XXXX XXXX directly. In XXXX XXXX, my agency ran a credit check and I was notified of a delinquent balance that was owed to XXXX. I had never received a bill or notification of this bill of any sort. Although I disagreed with the billing because I knew we paid our final bill, I paid the past due balance. The agent confirmed that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. 
Although I thought the issue was resolved, yesterday I received a call from my agencies security personnel who asked me about a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report. After multiple phone disconnections and well over an hour of being on hold, I spoke to an AFNI agent and explained the situation. They confirmed that the prior bill had been removed from my credit report, but informed me that there was another account with past due balance of {$150.00}. I was not informed of this in XX/XX/XXXX and, again, have never received any form of notification of this past due balance. Additionally, the AFNI agents were unable to detail what the charges were for. 
I am disputing these charges as I know I paid the last bill in the billing cycle prior to moving and I just paid an additional {$120.00} in XX/XX/XXXX. I do not believe the current charge is legitimate.

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 BARCLAYS BANK DELAWARE (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 06/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: For over a year, I have subscribed to Experian for a monthly review of my credit status. However, when I tried to get the information for the current and the last cycle, both of which were billed to XXXX XXXX, Experian claims that the personal security I provided is not the same as what I submitted originally. I have never changed that information -- my mother 's maiden name, my date of birth, my SS number, the name of my favorite teacher. I asked XXXX XXXX to remove the current charge and not to accept any more payments using my XXXX number, and they quickly agreed to do that. I intend to meet this week with my attorney to see what happened to my information, and how I somehow am being ignored by Experian. 
Thank you very much for any information and assistance you can provide. 
And blessings on XXXX XXXX XXXX for being the moving force behind the CFPB! 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with Centric Asset Management Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Even though I have provided proof that a debt has been paid previously, I continue to get harassing phone calls from Centric Asset Management. They have even contacted my sister and former husband after I asked them to stop contacting me. Their calls include threats to file charges against me, sue me, and garnish my wages. I have asked them to stop to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened th e Amex P latinum card with  XXXX  points bonus offer in   XXXX  .   Amex claw backed  XXXX  points and there was case was opened to determine the problem.   Amex closed my card in  XXXX . After the card is closed  by Amex , their me mbership rewards team concluded previously opened case saying that it was mistake on their side and they can re-issue  XXXX  points but account needs to reopen. I was told account can not be reinstated also points can not be redeemed.     After they closed the account I also got the letter from Amex saying that I can redeem points within 6 months but now they are saying no.     Amex did n't give me the opportunity to redeem  XXXX  plus membership points.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax released my credit report to these individuals without my permission. These are fraudulent inquiries. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Can't stop withdrawals from your bank account

Complaint: On XX/XX/XXXX Bank of America wo n't coooperate with my lender ... It 's a whole other pay cycle and they still wo n't communicate the proper info.. Online bank was not taken care right either due to that I received XXXX in overdraft fees and it was the banks fault..

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 08/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit reports showing XXXX California residing address. Address is unknown? I 've reside in Florida the past 30 plus years. Please advise what I need to do to correct issue. Everything else looks okay. Both Equifax and XXXX showing California address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was owned by XXXX XXXX in XXXX. The loan was sold and then returned to XXXX. XXXX sold the loan again. This time to an alleged company called XXXX XXXX XXXX XXXX. XXXX never contacted me. I was contacted by a " servicer '' company called Select Portfolio Servicing. From the onset, I was charged late fees and other fees not disclosed at closing. Ive never been late with a payment. Everytime I ask SPS about XXXX, Im told the same statement. XXXX owns the mortgage, SPS is the servicer. I demanded to see a copy of the note, and to have XXXX provide authorization for SPS to communicate about the loan. SPS replied with the same statement, which leads one to believe that XXXX does n't exist. A search found XXXX to be nothing more than a XXXX corporation using a bank address in Delaware. I wrote to XXXX at that address asking for documentation proving they own my mortagage and authorization for SPS to discuss this loan. SPS sends me a letter that they received my letter and will respond. I did n't write to SPS. I get a pamphlet from XXXX XXXX. It describes what a trust is and the servicer makes the decision to foreclose. This all leads to what the heck is happening with my mortgage? You cant get a straight answer out of anyone. SPS raised my mortgage payments to an amount I can not afford. My ARM went down as it has many times, but SPS raised the monthly payments. This is a common complaint made by others whose loan has been sold and is serviced by SPS. I fear Im about to lose my home because SPS continues to say Im in default even though Im never late. Ive disputed the increase in payments and all of the fees they charged which that say is for my benefit. The internet is filled with people who have lost their homes with SPS as the servicer. XXXX does n't look like a viable solution due to complaints made by others who tried only to lose their homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}. 
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Payday loan () with CURO Intermediate Holdings (FL).
Issue: Charged fees or interest I didn't expect

Complaint: like 1 1/2 or 2 years ago I got a loan from rapid cash advance, now looking at my credit report I see that a collection co go it in my credit but it says that I open the account on XXXX XXXX and wonder if they have wright to do that. thank you in advance for your help

Company response to consumer: Closed
Consumer complaint received 02/21/2016 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: IS REPORTING XXXX DIFFERENT UNDISCLOSED AMOUNTS ON MY CREDIT REPORT ( XXXX AND XXXX ) SHOWING I HAVE COLLECTION BALANCES. ALL BALANCES HAVE BEEN RESOLVED.

Company response to consumer: Closed with explanation