milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with RFNA, LP (GA).
Issue: Struggling to pay your loan

Complaint: Not one of your cat applied. I was in XXXX in XXXX when a live check came in the mail and one of the family deposited it since I often received paychecks by mail, No one knew it was a solicitation for a loan. Once I returned from XXXX in XXXX, I found out about this loan and was XXXX. I did not approve, or even sign the check. They will not provide me a copy of the check but to keep my credit in check, I made the payments at 34 % int. Once I became medically unable to work, my fixed income became strained and I contacted XXXX XXXX in XXXX and they said tough. One lady asked the following two questions : " do you have a child 's account you can pay us with '' and " you have a wedding ring right? sell it or other jewelry ''. I was highly offended. I have hearing problems and have notified them I can not talk on the phone well and gave them my new address. They continue to call 4 to 5 times a day and I can not answer. They only use an email service XXXX calls deceptive. They reused to work with me, refused to contact me in a way I can even if no personal information is sent. According to the XXXX XXXX document, Guidelines regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia XXXX XXXX Banks, they fit the bill, using predatory leaning methods to secure high interest rate loans with those who can not afford it, have low credit or are on fixed incomes. They even have on their walls a certificate from the governs office proving they have support of the state in their lending methods. I have no choice but to let it go to court, they say I signed a document that said I agree to arbitration. I never saw any document or signed any check or paperwork and now want this loan expunged. This is not the only Leander that did this while I was out of the state, XXXX XXXX also said I had a loan and threatened legal actions. No one in my family saw this check and no one signed it but to protect my credit, I paid them over XXXX for a XXXX $ loan. Now, I throw all mail away without opening it, just tear it in too. My credit has not been destroyed and this leaning practice, illegal in XXXX states, is common in Georgia and I want to see the companies closed and this predatory leaning stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with Niagara Credit Solutions, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A company called Niagara Credit Solutions who I suppose is a third party debt collector is harassing me at work and on my cellphone. They said they have employment verification to garnish my wages which ca n't be true because they keep asking for me under my maiden name and I 've been married for nearly XXXX years. I called them back and told them to stop calling me, stop harassing me, etc. Because my husband & I bought a home last year in which I had to pay any outstanding debts to get the mortgage, and which were paid. They are asking now for a sum suspiciously close to what I paid another debt collector last year. I told them I would report to the BBB for harassment, I have never received a court summons, and they are threatening to garnish my wages which I do n't think they can do. Something illegal is happening here and I am getting tired of it. I can not possibly have an outstanding debt or I would not have my home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. 

I feel I am being unfairly treated and want to complain.

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 12-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I have been banking with Bank of America for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted BOA, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told " It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned BOA numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from BOA stating, " We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2011, shortly after I had opened my home mortgage loan with Wells Fargo Home Mortgage ( WFHM ), I received a letter from WFHM ( enclosed ) indicating that the Department of Housing and Urban Development was unable to issue the required lender 's mortgage insurance on my mortgage loan and that I may be entitled to a modification of my note. I was concerned about the information in this letter and I contacted WFHM to follow up on the letter. They referred me to another office at Wells Fargo Home Mortgage ( WFHM ) that created a modification for my note that raised my interest rate from 3.0 % to 3.85 %. 
I feel that the letter was deceptive and the result of unfair practices using the Department of Housing and Urban Development and the home mortgage crisis at the time. I felt that I was tricked into a new loan with a higher interest rate by the bank 's deceptive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My father recently XXXX XXXX in XX/XX/XXXX from a XXXX XXXX and he was the cosigner on my loan. In good faith, I contacted Navient to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XX/XX/XXXX.  Now, the debt collection company Navient uses to scare people, XXXX, is contacting my mother who is XXXX enough from the XXXX of her husband, demanding payment. I am requesting that Navient recall the loan from XXXX and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is {$5800.00} and {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Solidus Group LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: The company name they say is XXXX out of South Carolina They keep call on different phone numbers and threatening to sue for a depth that I took out which I never did and when I ask for the paper work they keep saying that will be provided by the court. and they are harassing my family by calling my kids, my wife even calling my wife at work and a XXXX and telling all of them that I will be sued in court if they do n't have me call them back I have check on XXXX and with the XXXX XXXX and I ca n't find any information on this company so I believe it to be a harassing scam. No legitimate company know to not call work or a federal government place and harass people

Company response to consumer: Untimely response
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (NY).
Issue: Unexpected or other fees

Complaint: XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information, including sensitive information that can be used to take out lines of credit on my behalf, was leaked by Equifax. This mishandling of my information has put me and millions of others at risk. Upon checking equifaxsecurity2017.com, I learned that I am a potential victim, and am requesting that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: i am having an issue with the overdraft fees my bank is charging me. On XXXX I checked my mobile banking app to see how much money I had after a weekend of shopping. I spoke to a customer service rep and was informed that all the fees i incurred were correct to the sum of XXXX. This balance has increased to XXXX dollars in the matter of a week. A XXXX $ that comes out automatically should have been rejected if the funds were not available was processed just to turn around and give me a XXXX $ fee for the transaction. I find these practices to be criminal and predatory.

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 05/16/2016 about Credit card () with CITIBANK, N.A. (WV).
Issue: Delinquent account

Complaint: I viewed my credit report and I still have a credit card from Citi Cards/Citi Bank ( that had been charged off in 2010 ). It has been over 7 years since this has been delinquent/charged off and the Fair Credit Reporting Act states that negative items must be removed from your credit report seven years from the first date of delinquency. The negative delinquency is still showing on my report and I would like to have it removed.

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 06-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: Dear XXXX, I received an email from American Express to offer me a new Business Gold Rewards Card. The welcome offer for the card, as described in the email, is to get XXXX Membership Rewards ( R ) points after I spend {$5000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. My application must be received by XXXX XXXX, 2015 to be eligible for this offer. 

I was not sure if I need the card but though the welcome offer was generous and finally applied the card and got approved on XXXX XXXX, 2015. 

However, 3 months after I met the spending requirement, I did not receive the XXXX Membership Rewards ( R ) points so far. I have contacted American Express many times ( through phone and online chat ), but never get the issue solved. They told me my welcome offer was XXXX Membership Rewards ( R ) points after I spend {$10000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. And, since the 3 months already passed and I spent less than {$10000.00} on my card, they can not offer the XXXX Membership Rewards ( R ) points. 

Although I still has the email and offered to forward them the email, but they never asked for the email. They simply declined the welcome offer they sent to me. 

Please help me to make American Express do what they promised. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: I made a prior complaint under Case number : XXXX. I received a written response from US Bank ( not within the timeframe ) advising that I would get a final written response summarizing the completion of my lease and any amounts owed. My lease terminated in XXXX, 2016 and I have yet to receive this promised statement. I am unsure if there was actual receipt of my returned vehicle. I am unsure if there are any outstanding charges that may impact my credit score. I am unhappy over the broken promise as well. I would not recommend auto financing with US Bank to any consumer given my experience.

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 08/18/2017 about Checking or savings account (Savings account) with SYNCHRONY FINANCIAL (UT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have a High Yield Savings account with Synchrony Bank. On XXXX my credit union account was debited for {$170000.00}, Synchrony did not give me credit until XXXX ; On XXXX my credit union account was debited for {$25000.00}, Synchrony did not give me credit until XXXXXXXX ; On XXXX Synchrony debited my account for {$25000.00}, My credit union did not receive the credit until XXXX ; On XXXX Synchrony debited my account for {$170000.00}, My credit union did not receive the credit until XXXX Essentially, they are not paying me for 2 - 4 days worth of interest on both incoming and outgoing cash flows. I can understand that they may not make funds 'available ' for a day or two due to making sure there are n't NSF or other chargeback/issues. But, the reality of it is in today 's instantaneous electronic banking world they have 'credit ' for my funds at the exact time my institution is 'debited '. They are cheating consumers out of significant days worth of interest. This very LARGE financial institution is charging consumers outrageous interest rates for credit cards, and their very low 1.19 % cost of funds they are paying for deposits to fund those credit card balances, they further decrease by cheating consumers out of a couple days worth of interest. Tell me this - if I had a credit card with them and charged something on it, do they afford the consumer the same benefit of NOT charging interest on that transaction for two days? I 'm pretty sure they do n't. This is the type of consumer harm the CFPB was created to protect consumers from and the reason the Dodd Frank Act was passed, yet consumers continue to be harmed by these large Banks that have very healthy profit margins. The fact is, the difference is about {$27.00} worth of interest ; I and certainly not Synchrony, will ever 'notice ' that amount of money but it is a matter of principal and when you talk about their BILLIONS of savings accounts, two days adds up to A LOT of money for them, spread out over lots of little consumers that probably will never 'notice '. That certainly does n't make it right and they should pay depositors fairly, just like they charge their credit card holders 'fairly '.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach potentially exposed my credit information according to equifaxsecurity2017.com

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage purchased additional flood insurance for me, when they should n't have, this created an escrow account with a negative balance. I filed a complaint ( with you ) several months ago, and that It thought was resolved. I have received a letter from them that it was, however, I log on today to pay my account and it still says I owe {$34.00} in my escrow account. I spent 43 minutes on the phone with them being transferred 4 times, to be told by each person. " I no longer have an escrow account but I do owe the negative balance '' .... the last person I spoke with.. XXXX badge # XXXX said it was to have the escrow account opened and closed. I am shocked!!!! I told her " they opened the account and closed the account, why do I have to pay for that? '' She could n't answer me, she was going to transfer me again. I am exhausted with the amount of time i have spent on the phone with this company. Please HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: On XXXX/XXXX/2016 I applied in-branch for the Chase Sapphire Reserve. Chase did a hard pull on my XXXX credit report and immediately declined me for " too many cards open in the past 24 months ''. Upon calling XXXX services, they explained to me that they have a rule called XXXX. If you have opened XXXX or more credit card accounts in the past 24 months, you will be automatically declined for a most varieties of Chase cards, regardless of your credit score or history with Chase. I have top notch credit and excellent history with Chase. I have opened exactly XXXX new credit card accounts in the past 24 months. If Chase wants to do that, they certainly have the right to. But nowhere, in any brochure or disclosure, does Chase warn you of the XXXX rule. It is only after you apply that they inform you. This is a deceptive lending practice, and hurts my credit by putting a hard pull on my credit report for absolutely nothing. If Chase wants to continue with XXXX, it needs to be clearly disclosed on every advertisement, brochure, and application disclosure in order for the consumer to make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a promotion for XXXX XXXX after completing specific requirements. 

" Within 60 days after account opening : you spent the required minimum amount ( {$1000.00} ) using the Citibank Debit Card Completed 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month " I have completed this and never got my points, I have requested twice for reviews and nothing has happened.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.

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