milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was supposed to receive a credit card bonus of XXXX miles through my chase XXXX card for spending a minimum {$2000.00}. The last transaction had been approved but was still pending. I reached out to chase customer service through secure messages and was told when the transaction posted I would receive the bonus. Then on XX/XX/XXXX I reached out to chase customer service to confirm I would receive the bonus about my pending sale. They then got back to me and said they would not honor the bonus because the transaction was pending after the date required to spend which was XX/XX/XXXX. I was lied to and I was not able to attempt to spend money through a different retailer because they informed me of this AFTER the deadline. This was also after telling me I had met the spending requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (KY).
Issue: Managing the loan or lease

Complaint: To whom It may concern, I am writing to file a formal complaint against Toyota Financial and XXXX XXXX Dealership. In XXXX 2015 my family and I were the victims of predatory lending. We went to XXXX XXXX to find a family sized vehicle and unfortunately were told we had some negative equity that would make it nearly impossible to finance a vehicle. The salesman and sales manager insisted that if we went through their bank " Toyota Financial '' no matter the amount of negative equity, they would be able to push it through and make the deal work. At the time we were very vulnerable and the salespeople and managers at XXXX XXXX saw that and immediately took advantage of a young family and our situation. Since we leased the vehicle in XXXX 2015 we have been under a severe amount of stress trying to make the XXXX XXXX car payment each month. We have been late a few times but try our hardest not to be since we do want to maintain our decent credit. On XXXX separate occasions I contacted Toyota Financial AND XXXX XXXX to explain to them that I could no longer afford the vehicle. Toyota Financial explained to me that my only option would be to find someone that could take over the lease. This would be impossible to do considering the monthly payment. When I spoke with the dealership directly they were very frank, rude and defensive and told me if I brought the car back it would be marked on our credit as a repossession. I am writing you in one very last desperate attempt to get help as I have exhausted all other options. My family and I are victims of a monster sized companies Toyota Financial and XXXX XXXX preying on vulnerable families. I know for a fact we were victims of the following : Predatory Lending Over Excessive charges and Fees And a violation of the Truth and Lending Act I have gone to both parties and expressed my inability to continue to pay the high car payment each month and they have not given me any reasonable options. As a result of their refusal to help me I have no other choice but to file this formal complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Application, originator, mortgage broker

Complaint: Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In attempting to secure a mortgage, I have been closely monitoring my credit report. On XX/XX/XXXX Citi reported a balance on a card that I have on them. Since XX/XX/XXXX, I have made a multiple payments in the amount of {$1600.00}, {$250.00}, {$1300.00}, {$1500.00}, {$1400.00} and {$95.00} to payoff the balance on the credit card as well as maintain the zero balance. As of today, XX/XX/XXXX, Citi has not reported to any credit bureau since then, while telling me it is there policy to report every 30 days. The first agent that I spoke to stated that my information was reported " accordingly '' since the inception of the account. When asked what " accordingly '' meant, he stated multiple times that it was every 30 days. Upon counting 30 days fromXX/XX/XXXX with the agent, we concluded that an update should have been sent on XX/XX/XXXX. At this time XX/XX/XXXX, I have paid for a credit report daily from the three agencies to see if Citi has provided the updated score so my lender is able to pull my final credit to close on my house. To this date, Citi has not provided the updated score and customer service was not able to provide any resolution that was timely. The first option provided to me was that I mail a letter to the credit risk department but was not provided with what the credit risk department could do or how they could help. When asked what I should include in this letter, I was told to " just explain my problem. '' This felt like, send your issue off into oblivion so I can hang up and move to an easier call. Secondly, the supervisor told me that she could open a dispute directly with the agencies but I have already done that and this would take 7-10 days to see if the agencies have anything to say. ( This does not make sense as the agency is not responsible for Citi reporting my score and the agenices have already told me Citi has not sent an update since XX/XX/XXXX ). Finally, she said she could have the credit team push my updated information but it would take 30 days for that to appear. If this were the case, it would take Citi 68 days to update to the agencies, after promising they update accordingly, every 30 days. The irony here is that it doesn't take 30 days to show a new line of credit when opened with Citi but yet it takes 30 days to report a zero balance and a several thousand dollar increase in a credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage with NationStar on XX/XX/XXXX2015. I received a letter 2 weeks later telling me that I would receive a check for my remaining escrow money XXXX {$680.00} XXXX as well as a check for overpayment on the mortgage XXXX {$99.00} XXXX. 
I was not sent either check. After contacting NationStar several times via their website, I was given a phone number to call for customer service. After a conversation on XX/XX/XXXX/15 I was told that I would be sent both checks and would receive them in 7-10 days. On XXXX/XXXX/15 I received the check the mortgage payment. By XXXX/XXXX/15 I had not received the Escrow check and contacted NationStar again. I was told that the dispersal of the check was 'denied ' by someone in the company, but the customer service reps did not know why. I was told on XXXX/XXXX/15 that the issue would be handled right away and the check would be expedited. I was due a call-back on the XXXX. I did not get the call back. It is well over the 30 days that Nationstar is allowed by federal law to return my escrow money and I have no faith that I will be returned this money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) through a promotional offer at the XXXX XXXX location in XXXX Ohio on XXXX/XXXX/XXXX. I received the statement and the balance of {$48.00} was paid and left my bank electronically on XXXX/XXXX/XXXX, within 19 days of the initial charge. On XXXX/XXXX/XXXX I was charged a late fee and on XXXX/XXXX/XXXX a min fee was charged of {$2.00} before the payment was applied that same day. I called on XXXX/XXXX/XXXX and requested to have the account closed. I felt I should not have had a statement until XXXX and the fees were excessive and unfair lending practices. I received another statement this month and now the balance has increased to {$60.00} all late fees and min fee charges with no indications on the statement that the account is closed. I called again and was told the first statement was generated on XXXX/XXXX/XXXX, 1 day after the account was opened and the initial charge because the account was opened in the middle of a statement cycle which was XXXX/XXXX/XXXX This delayed the statement reaching me via mail. The statements are generated on the XXXX of each month but do not reach you until later in the month. I feel these are unfair lending practices and fall into the predatory lending category.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated " XXXX XXXX, 2015. '' Under the section entitled " Personal Information '' it had a " XXXX XXXX XXXX, name identification number XXXX '' listed. My full name is " XXXX XXXX XXXX, XXXX, '' NOT " XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up " Experian '' and asked them to " delete '' this false " XXXX XXXX XXXX '' from my " Experian '' credit file, they refused to do so, thus, putting me for more chances of even greater Identity Theft in the very near future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Bliksum, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: within the last 2 months from todays date of X/X/2017 : I have asked XXXX ( XXXX : XXXX ) I think this is there website, a collection agency hired ( so they say ) by XXXX ( XXXX ), to whom the original loan was from, to stop calling my place of work. They have harass and threaten to sue me for fraud even though I have said for them to take those actions, just stop calling me. They have repeated phone my place of work when i have told them to stop such actions. Have called extended family to discuss my situations. There phone number is usually an XXXX or XXXX number and say they are XXXX XXXX. The most recent is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: It was never explained to me how a simple interest loan repayment plan works from the dealership where I got the car. 3 years of payments and near $ XXXX later, I 'm told that a majority of the funds I have paid went to paying interest per day accrued rather than to the principal balance! Now they say I owe $ XXXX on an original $ XXXX loan from 3 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.

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 12/26/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Equifax four times about inaccurate information that is on my credit report. Each time they claimed to have verified the information without providing me with any physical verification. This is totally violating the laws in the Federal Credit Reporting Act. I have requested repeatedly that they delete these items from my report but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WV).
Issue: Other

Complaint: On XXXX/XXXXXX/XX/XXXX my credit card became compromised. I had to contact Bank of America to have the card shut down and get XXXX reissued. However, I had already begun making payments to the old card number in the amount of XXXX on XXXX/XXXX/XX/XX/XXXX and XXXX on XXXX/XXXX/XX/XX/XXXX I also had returned an item for XXXX that posted to the old card on XXXX/XXXX/XX/XX/XXXX. Bank of America took over 30 days to process the transfer from the old card to the new card. I was given multiple different answers by multiple different associates. I wasted hours of my time and was lied to by this company on multiple occasions. The issue was not straightened out until XXXX/XXXX/XX/XX/XXXX. During XXXX phone call, I was hung up on by XXXX of the representatives. They acted completely unprofessionally and handled my concerns and issue in an entirely unethical manner. Because of the way this situation was handled, I have opened another card with a different company and will not be doing business with Bank of America any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: SunTrust Failure to properly close personal checking account resulting in bank fees {$630.00} 1. Started approx XX/XX/XXXX with unauthorized charges on my personal checking account ... I filed written statement of unauthorized debit with my branch and all funds were returned to my account. 
2. These unauthorized charges continued until I closed the account on XX/XX/XXXX. 
3. The Suntrust rep promised me that the account was closed, after I opened a new account with Suntrust ( on XX/XX/XXXX acc't had XXXX balance ). 
4. More unauthorized charges continued on old account until someone at work recommended I go to another branch. The first thing the rep at the other SunTrust branch did was block the old account on XX/XX/XXXX. 
5. On XX/XX/XXXX Suntrust debited my new account {$770.00} stating I owe the bank for fees from the closed account. 
6. I contacted the Suntrust Client Advocacy Resolution Dept and after one month the full amount {$770.00} was returned to my new account. I thought this matter was finished. 
7. On XX/XX/XXXX Suntrust debited my account for {$630.00} claimed these were fees not unauthorized charges ( Right to Offset ) On XX/XX/XXXX I returned to the Suntrust branch and spoke with branch manager and was told she would be back in touch. I never heard from she again. 
8. I tried contacting the Suntrust Client Advocacy Resolution Dept again, but until today no one has returned my calls.

9. I am a military ret and need the money to finish the XXXX XXXX I had started.

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 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Complaint relates to my Bank of Ameri ca Visa Card.    Details below.     Statement for period   X/X/17  to  X/X/17  en ded up in my  Spam folde r so I missed the payment du e  X/X/17  of { $390.00}.     The statement for per iod  X/X/17  to  X/X/17     included a {$25.00} fee + {$33.00} interest which when added to my   XX/XX/XXXX  acti vity totaled {$4400.00}. This was fully paid in   X/X/17 .      When I received the statement for pe riod  X/X/17  to  X/X/17 , my  total activity was {$16000.00} which is due   X/X/17     which I have scheduled to pay fully. However, this statement also included an interest charge of {$150.00} which they calculated on an amount of {$10000.00} at 17.74 % rate. Since I fully paid  my  XX/XX/XXXX  balan ce on     XXXX   XXXX  , 2017, I d o n't understand why I am being charged interest for current activity which is   no t due till  X/X/17 .      When I spoke to their customer service rep, she could not explain why I am being charged but also did not correct it.     As a practise, I pay my monthly balance always on time and fully.

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 04/28/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (NY).
Issue: Managing the loan or lease

Complaint: I had a credit card from Chase Bank USA from XXXX until XXXX XXXX. I negotiated a settlement of the balance in XXXX XXXX. As part of the settlement, Chase agreed that there would be no negative information posted on my credit report, and the loan would merely state : " Legally paid in full for less than full balance. '' In XXXX, Chase wrongfully placed this item in my credit report as " negative ''. I contacted Chase and they agreed that I was correct and they removed the " negative '' mention. However, in XXXX, Chase again reported this account as " negative ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: I was billed for a deceptive offer on line and was offered a gift for taking a survey for a department store I frequent. The offer was for product with only shipping charges and I submitted my master card #. My statement reflected those charges on XX/XX/2017 but also to my surprise on XX/XX/2017 there were XXXX charges from the same company reflecting full price for product. I contacted my bank Santander XXXX card and they immediately cancelled card and issued a new one. Dispute was sent to fraud dept and in XX/XX/XXXX received a follow up letter stating we are denying your claim and to contact the merchant directly. When I contacted fraud dept, I was told that there was no fraud since I submitted my credit card #. I then contacted XXXX, company that submitted charges, and was told to drop the dispute and they would refund my account but my bank had to contact them by phone or mail to confirm that I no longer was disputing charges. When I called Santander I was told that was not their policy and would not contact XXXX and I was on my own. When I called the merchant, I was instructed to E mail bank letter and a letter stating why I was disputing the charges and a Refund Transaction ID would be sent to my bank. There was no credit following statement so I called Support XXXX was told that no credit would be issued since the bank did not consider fraud and would n't contact them by phone or mail. 
I have contacted Federal Trade Commission to inform of these charges and was issued a reference # for my case. I was also given a telephone # for your agency and dispute how the bank was negligent to pursue my dispute and how I was brushed off also by the local bank manager at my l bank in XXXX Ma. The RED FLAG for the fraud dept was clear since what merchant bills for shipping charges a month before the product charge. I would hope for Santander XXXX MasterCard to know that I am disputing and unhappy as to how they treated me to handle this on my own. I have stopped using card for any purchases and wont cancel till this matter is resolved by Santander and XXXX. I hope to hear that the bank has been notified about my complaint thru your agency.

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
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with PENTAGON FEDERAL CREDIT UNION (GA).
Issue: Account opening, closing, or management

Complaint: I believe my loan request was denied due to my age ... ..I 've been a member for over 14+ years, and attempted to obtain a consolidation loan ... .that 's key, as I wanted to return to the XXXX ... .the reason given after being put through several loops..it was denied!! I had a home loan that was paid off early, and when I got that, I owed more ... BUT was younger ... ..I was also lied to about a freeze ... no one else had this reaponse..I checked..

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