milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (WI).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: I attempted to pay credit card bills online and over the phone and mysteriously there was fraud alert placed on my account last night. Today I can use to pay bills at all. The number on the website doesn't have an option at all to speak to someone live at all.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The debt collector is reporting incorrectly the date of delinquency on my credit report to make the debt appear new again. This account was charged off by the original creditor and is over 6 years old. It is being displayed on my credit report as date opened XX/XX/XXXX2017. I believe they are violating my consumer rights by falsely and inaccurately report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I 'm complaining about Capital One Bank USA. I believe they 're inaccurately reporting a credit card account under my name. Specifically, they consider me a joint account holder when I was/am only an authorized user. This account was originally an HSBC-XXXX credit card account opened by my mother in 2003. The account was eventually transferred over to Capital One. I believe when this transfer occurred, Capital One began to erroneously categorize me as a joint account holder. They have no basis to support this characterization. Namely, they do not have the original application. If they do not have the original application, they can not accurately confirm how the card was applied for. The account was opened when I was only XXXX XXXX XXXX. I never signed the application. I 've complained to Capital One via telephone and through a letter but they have refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the BBVA Compass XXXX XXXX Credit Card. In the offer advertising mail sent to me it said 13 MONTHS SAME AS CASH. I entered the offer code online and I was approved. I received the card card. I did a purchase of {$550.00} on XX/XX/17. I just received the three page credit card statement today. NO WHERE on these three pages is notated the 13 month same as cash offer. On this day, over the past 5 hours I have called the company 's toll free phone number. Twice it asked me to leave a call back number, which I did but there was never a call back even 5 hours later. Many times I have called and a machine simply says, " Please try back latter. '' I have no way of getting this company to correct this if they will not contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Please cease calls to my aunts number she has a medical problem and already has had an XXXX XXXX  she let me know that a XXXX was very rude to her please am aware that am late on my payment am trying my best to get back on track with the company

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with Delta Management Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a collection letter addressed to me at my address for a person that has a similar name. This person 's date of birth, ss # and middle initial are different than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: On XXXX, 2016 I purchased chocolates from XXXX at the XXXX in XXXX. The saleslady rang my purchase for {$86.00} when in fact it should have been for much less. When I brought this to her attention she apologized and said the sale has already been processed on my Macy 's credit card. To rectify the situation she rang up a credit on my Macy 's credit card thus effectively cancelling out the erroneous charge. When my statement from Macy 's came I noticed that the initial charge was processed but not the necessary reversed charge. I called Macy 's right away to dispute the charge and then as required I followed this up with a written dispute providing copies of the charges made by XXXX including the reverse charge. Instead of following up on this, Macy 's sent me a letter claiming that since my credit card was not stolen or used fraudulently the charge was my responsibility. Macy did not even bother to address the issue about the reverse charge I was giving to cancel out the erroneous charge. Instead Macy 's was quick to threaten to report me to XXXX Consumer Reporting Agencies for failure to make the necessary payment for something I do not owe. At the very least, Macy 's should have gotten in touch with XXXX to get a better understanding of the situation.. XXXX not only furnished us with copies of the sales receipts they also offered to help in any way they can to put the issue to rest.

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 03-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I deposited a check into my Bank of America personal account from my business account. The deposit slip did not state a hold will be placed on the check, at the time of the deposit. However, the next day when I looked at my account I saw a hold was placed on the check even though it was already debited and paid from my business account. This resulted in a returned ACH check and a fee of {$35.00} for NSF. 
I called Bank of America and was told there is nothing that can be done even though the check from my business account was paid and the ACH will be returned.

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 09/13/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: To whom it may concern : I would like to file a complaint against Webster Bank and more specifically, the fees that the bank imposes for insufficient funds. Currently Webster Bank charges {$37.00} for insufficient funds per bank transaction. The bank fails to indicate the time when each transaction occurs. The bank only tells the customer the date of the transaction. In my case, I was charged four {$37.00} fees for transactions that the bank claimed, I did not have funds to cover. See attached bank statement from XX/XX/XXXX until XX/XX/XXXX. I was charged {$37.00} for four bank transactions that occurred on XX/XX/XXXX ( one ), and XX/XX/XXXX ( three ). I note that my balance never went to {$0.00}, and I deposited close to {$3000.00} ( {$380.00} plus {$2600.00} ) on or aboutXX/XX/XXXXI called the bank and asked the bank to refund at least 3 of the {$37.00} insufficient fee charges. The bank refused to refund any of the {$37.00} insufficient fee charges. I was told that I already had {$37.00} insufficient funds refunded to me in the past and it is the bank policy not to refund more {$37.00} insufficient find charges per year. I escalated my call to a supervisor, and I was told that someone will call me back within 24 hours, but no one called me back. I believe that Webster Bank insufficient fund police provides a revenue for the bank from " legally stealing their customers money. '' I also note that I have overdraft protection on my checking account. I believe that the bank should have use the funs available to cover some of the charges that were withdrawn from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Back in XXXX when we applied for a mortgage loan we supplied the Countrywide loan representative with our tax returns, bank statements, institutions with other funds/assets and we hand filled out the loan application each separately. In XXXX we found out Countrywide gave us a wrong loan. We contacted Bank of America who had taken over Countrywide 's loans and their legal dept. for them to supply us with all the supporting documents in why this type of loan was originally given to us. Please refer to our dispute file sent on XXXX XXXX XXXX. We received a response from the Consumer Protection Bureau that our case was closed. We disagree because with our last filing on XXXX XXXX we requested a copy of what was used when we originally obtained the loan ( Bank statements, credit reports, tax returns ) with all the supporting documents. We 've asked this from Bank of America in XXXX and in XXXX as well but they have failed to supply us with this information. Please refer to the original complaint # XXXX which has all of our uploaded supporting documents. We appreciate all your support and help and we are asking for this matter not to be closed since we did not receive any of the documents we requested justifying their charges and interest rates.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: EQUIFAX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR XXXX XXXX. ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. EQUIFAX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (NY).
Issue: Struggling to pay mortgage

Complaint: I have attempted to appeal the loss mitigation denial where a letter was sent by EverBank on XX/XX/XXXX. This letter claims that XXXX XXXX is not eligible for loss mitigation because he failed the NPV test. I requested ALL input values used to run the NPV test. In a letter dated XX/XX/XXXX, an EverBank representative, XXXX XXXX, claims that the reason why a loan modification was not offered to XXXX XXXX was because, he failed to complete a subordination package to EverBank. ( A  copy is enclosed for your records. ) This subordination package was never sent to me, XXXX XXXX 's attorney, but should have been sent to me since ALL correspondence regarding XXXX XXXX loan modification has gone through me since he initially applied for loss mitigation on or about XX/XX/XXXX and completed an authorization form for me to speak with EverBank on his behalf. The only piece of correspondence that was not sent to me, as far as I know, apparently was the subordination package. EverBank determined that it was going to stop working with the XXXX attorney, me, even though this case remains in litigation, and deal directly with XXXX XXXX. This is a violation of NYS law and resulted in XXXX XXXX losing the opportunity to modify his loan. EverBank has come up with a new reason failure of the NPV test. EverBank should not be permitted to fail to send the subordination package then force XXXX XXXX to do a completely new loss mitigation application and after years of engaging in attempting loss mitigation, claim that it failed the NPV test when on XX/XX/XXXX, that was NOT the reason why loss mitigation was denied. XXXX XXXX should be put in the position he would have been in but for Everbanks mistake when it failed to send me the subordination package. Further, in this XX/XX/XXXX letter, I was advised that XXXX XXXX loan was denied,... as he did not satisfy all the requirements that would have allowed us to continue our review of this request. Accordingly we were required to provide an accurate reason for the assistance denial ; therefore, we referenced the NPV results from XX/XX/XXXX. Additionally, on XX/XX/XXXX, I requested a payment history of XXXX XXXX XXXX LOAN XXXX and that was never sent. Please send an updated payment history. EverBanks actions and inactions in this case are bizarre. Based upon the foregoing reasons, the denial of XXXX XXXX for loss mitigation was improper and illegal. We are seeking a review of the determination and a response to this letter, a loan modification, and payment history, immediately without further delay. The Consumer Financial Protection Bureau should note that the master servicer for this loan is XXXX XXXX which has a long history of consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I need help with my Citi Credit Card. I have working with their dispute center regarding an item I charged. The ongoing dispute : the merchant I purchased a washer/dryer from, sold me a " new and working '' item, but it was installed broken, and although I have proof that the merchant gave me a refund and return option, via saved XXXX conversation, the merchant says it was an " as-is '' broken item I purchased without a right to refund. 

My issue with the Citi Credit Card dispute center is one, they are not representing my interests and two, have now closed my dispute due to " lack of response by myself, XXXX XXXX ''. I did respond, within the time frame and have proof. 

The dispute department and myself have been communicating via email. On XX/XX/XXXX at XXXX XXXX   CST, XXXX XXXX asked me to supply two additional items by XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX XXXX, within 3 hours of the request, and I have a copy of the sent email. Yet, today XX/XX/XXXX, I received an automated notice that my dispute was closed due to a lack of response. 

Citi Card Dispute department does not communicate via phone, unless you are requesting to withdraw your dispute. Additionally, the two additional items XXXX XXXX asked for, she already had. She requested a copy of the sales receipt, which the merchant supplied and again, a signed document with my reasoning for why I think the washer/dryer is defective. The dispute department already had that information, but I continued to oblige. 

Yet, without consultation, my dispute was closed. I have asked for a supervisor to contact me and re-open my dispute, but have heard nothing. This is really absurd since I did reply, and what they said I didn't supply, they already have had for months. Citi Credit Card dispute department has been working on this dispute since mid-XXXX!!!

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 04/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In an ongoing effort to keep my credit report free of errors, I have been trying to log on to the TransUnion website to file an online dispute for several weeks now. Through lengthy conversations with their telephone customer service representatives I learned that someone else had logged on posing as me with a fraudulent email address, complete with fraudulent answers to security questions. I was asked to provide proof of my identity by sending them government photo ID from my email address. When I did this they sent a login reset link to the fraudulent email address, which I only know because they happened to have cc 'd my email address. If I did n't have a security breech before, I definitely have one now due to negligence on the part of TransUnion. 

After many customer service calls wherein I was not fully understood by the agent and/or I could barely understand them due to thick foreign accents, I asked to speak to an American call center. I was transferred to someone who spoke perfect English, but who would only record the details of my problem and could n't help me. This person promised I would be called back by someone in the US who could help me, but it never happened. I responded to the email sent out to the fraudulent address explaining what they had done and they claimed, " We have blacklisted email address and locked up the account with reference number XXXX. '' But whenever I call in I can not get a representative to confirm this. I am still unable to log in online, which is the easiest way to lodge a dispute. More importantly, without the ability to do so, I feel I am not in control of my personal information. Finally I asked them to put a security freeze on my report while this was worked out and after they did so they informed me that I would be charged {$10.00} to lift it unless I filed a police report, which is outrageous because they would be an accomplice in any identity theft charges. 

I have been very clear in what I want from TransUnion to settle this matter : 1 ) I want to know that my information is secure and available only to me and authorized financial institutions. 2 ) I want to be able to log in under my own email address and be able to access and dispute my credit file online. 3 ) I want them to admit their complicity in this security breech and refrain from charging any fees associated to the security freeze on my account, even if I need to lift it in future. 

It would also be nice if they took steps to make sure this kind of thing does n't happen to someone else.

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 10/19/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is unknown to me, I have disputed this. I do not have a 2016 medical bill owed. I would like to review my signed authorization for this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: this is for XX/XX/2018 car payment for XXXX XXXX. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment

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 07-05-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed last year in pulling my credit reports for annual check an account listed as " collections '' and " Opened '' on XX/XX/XXXX by a collection company by name of Ad Astra Recovery System collecting for XXXX XXXX XXXX. It was later XX/XX/XXXXthat I started to receive numerous phone calls. I had googled the company and found a lot a people have had complaints against the company in trying to collect non existent debts/debts that were already paid in full. When I spoke with a " company rep '' " XXXX '' the 2 -3 times that I did, and I 'm not sure that was even her real name, over the course of about a month or so, I told her each time that I was disputing the debt and to provide the following for my review so I could 'formally '' submit in writing my dispute and go point by point down the list in rebutting. She would come back with quite persistently and tell me each time that she could take a credit card payment that day and that she was authorized to take xyz amount to get my account settled and closed. Each time I came back and asked her to provide me with information for my review first. After talking to her the last time, I just let the calls ring thru and someone from the company kept calling for a few months, basically 2 to 3 times each and every day ; it became predictably annoying as it would ring and then hang up, but they never left a vm. When I spoke with " XXXX '' I asked that I be provided via snail mail, all of the following. 1. A copy of original contract with the debtor with my signature 2. The original loan amount 3. The original date of alleged default 4. The date this alleged debt transferred from the original creditor company and date it was bought by them 5. The Surety Bond information Interestingly enough I never received any  written communication from them at all after my requests to provide me with my requested information and eventually the phone calls stopped and I thought the matter resolved, but I was wrong. <P/>Flash forward a little over a year later, when I just went to do my annual credit check today, XX/XX/XXXX, my surprise that this " collection '' status is still showing on my reports, even though I asked them to remove the information if they could n't provide me with proof. I do know now I should be checking my credit report on a more 'frequent basis '' and use a free service to do so from here on since I only checked 1 time a year to get my " free annual report ''. <P/>I am asking that this company since they could n't provide me with the requested information showing this to be a legitimate debt to strike this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit card () with Army and Air Force Exchange Service (NY).
Issue: Billing disputes

Complaint: This XXXX will never go into default! How is that possible? 
The company is also using my social as the acct number which means any employee has accesses to my full name and social. 
The card has been gaining interest for the last 3 years so its grown to 10 times the money I actually owed. 
Some one needs to look into what this company is doing to vets.

Company response to consumer: Closed with explanation