milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other fee

Complaint: I was the victim of a large number of unauthorized charges on my credit cards that has resulted in high interest and bank fees. Unaware of the transactions I was deemed the " billing '' party and not the " shipping '' party. In the process of recovering the items from the individual who placed the charges on my account and being sure the items were returned, I discovered how difficult it is to return items because there is no recognizable footprint for internet transactions. If the " shipped '' party does not possess their electronic record ( email confirmation of the transaction ), it may be difficult to access the electronic record any other way. Banks tell me they have no information for dot.com transactions. Merchants tell me they ca n't understand and synthesize their records and easily tie the records back to the original transactions. Meanwhile, the interest and fees charged by the credit card mount for the consumer. 
The problem with record keeping starts at purchase. In my case : Dot.com merchants never validated or asked whether the purchaser and the credit card owner were the same. With this, merchants invited the possibility of an unauthorized transaction and bear none of the burden of interest charges and fees or other consequences to the " billed '' party. 

Once the transaction occurred, the merchant 's loyalty was only to the " shipped '' party. Dot.com merchants did not recognize the " billed '' party ( me ) as a legitimate party. Most would not correspond with me, send refund check for returned merchandise to me, share specific information about the account, or in some cases, even talk to me. 

As the 'billed '' party, I received only information on the credit card statement : transaction date, merchant, and total cost. These are not sufficient information to return an item for a refund. 
Ultimately, most of the items have been returned because of my persistance and luck with finding pieces of information. I am left with an estimated {$1000.00} in interest and fee charges. I feel the inaccessibility of information contributed greatly to not being able to return items sooner. 
At risk are those who are not tech savvy, the XXXX, the elderly, who could potentially incur large credit card balances and be unable to trace charges and make returns because of the morass of data surrounding their transactions should they be unable to keep accurate personal records. In the meantime, the credit card company is charging interest on transactions that this consumer is unable to resolve without the merchants ' cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Despite multiple requests by mail, e-mail, and voice-message, NationStar would not issued a corrected Form XXXX for many months, wasting many hours of my time. It took me until XXXX XXXX to get them to issue the corrected form.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: I used one of the cash back deals from Bank of America ( BOA ) that requires me to spend 2x {$15.00} at XXXX to get {$75.00} dollar cash back. After fulfilling that requirement within required dates, BOA is denying me the cash back. I have attached my proof of purchase at XXXX and the exact terms listed in the offer for reference. Terms part 2 is from opening the link from second to last sentence of terms part 1

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for a line of credit from Care Credit at XXXX XXXX at was declined saying my score was XXXX.But through XXXX XXXX it 's showing over 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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX i received a notification from XXXX XXXX that my credit score changed I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization.. 
Now again in XX/XX/XXXX I received another notification that my credit score changed. And once again I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization or knowledge again. .. 
Please investagate this breach and missy of the credit bureau ... and I want to file chargers against XXXX XXXX XXXX XXXX.. 
I will be will to start a class action lawsuit against XXXX. I know this is more likely normal bad buisness practice for them I see a pattern of abuse ...

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 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX was paid by XXXX now they are out of business XXXX which i still have and never used have 2 collections on my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I received a form letter from American Express today to inform me that the APR on my card is being increased to 16.49 effective X/XX/18. The reason listed was because my current APR is lower than average APRs on similar cards in the marketplace for consumers with similar credit profiles. 
The notice gave a number to call with questions, so I called American Express to ask why given my 17 year relationship, the fact that I have never been late and my credit profile ( as they referred to it ) has not changed in the past 12 months. 
The agent I spoke to said that I was unable to dispute the change, although she did acknowledge my tenure as a customer. 
Additionally I had to ask specifically for my current APR, which is 12.49 % to have American Express acknowledge that they are increasing my APR by 4 %. 
The notice I received in the mail did not list my current APR and demonstrate and adequate basis for a 4 % increase in my opinion. 
There appears to be an ineffective process at American Express for consumers to complain about changes at a personal level. 
I object to the increase and I am asking American express to acknowledge my tenure and performance as a customer as a reason NOT to increase my APR by 4 %. 
The letter provided is a " boiler plate '' FICO based decision as far as I can tell and there has been no change in my credit profile over the past 12 months. 
Moreover, I actually use American Express to monitor my credit profile and have done so for a number of years, so I know my credit profile has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX loans with AES that were paid off by XXXX XXXX XXXX XXXX XXXX. I paid out the amount that was told to me by AES was to total due to pay XXXX loans in full, I then submitted that amount to XXXX XXXX who issues a payout to AES and became the note holders on my loans. Around XXXX of 2015 ( XXXX yrs ) I begain receiving notice from AES that I had a balance due in full to them which included XXXX yrs of interest. I had not received any notice before then that I had a balance or there was any balance outstanding. Both XXXX and I have attempted to contact them and sent them multiple documents indicating the transfer of the loan. They have now sent my account to PHEAA Default Collections and the debt is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: My husband and I applied for a mortgage loan with Citibank XXXX, CA on XXXX XXXX, 2016. We ca n't afford our rent with our retirement income so we looked to buy a condo in XXXX XXXX, FL where real estate is cheaper. We met all the bank requirements, including paying over a {$1000.00}, and then our loan was approved. After two months of waiting for the loan to close, the loan was denied because the condo 's HOA did not have as much coverage as Citibank was looking for. 

The loan was not completed on the closing date of XXXX XXXX, 2016 because of an issue with the HOA coverage between Citibank and the XXXX, but we hoped it would be done by the extended date of closing of XXXX XXXX, 2016. I tried to contact my loan agent, XXXX XXXX, before the second closing date but he did not respond. On XXXX XXXX, I sent him an email to ask what is going on with our loan. No response again. On XXXX XXXX, 2016, I called Citibank and talked to lady named XXXX. She made a complaint on my behalf and suggest I call XXXX XXXX, XXXX supervisor. I left her a message because she did not work that day. Soon after, XXXX XXXX called me - he was very rude, yelled at me and asked me why I complained to his boss. A couple of days later, on XXXX XXXX, 2016, I went to talk to XXXX XXXX in person. She apologize to me and she promised to return our money in seven to 10 days. After almost two month of waiting we have not received any money from them. My husband went to see XXXX XXXX a couple days ago but her coworker told him she was not in the office, even although he heard them talk behind the closed door. 

Expenses for the loan : {$290.00} - on XXXX/XXXX/2016 for condo inspection {$15.00} - on XXXX/XXXX/16 for an application fee ( bank charged our credit card, we approved ) {$460.00} - on XXXX/XXXX/16 for an appraisal fee ( bank charged our credit card, we approved ) {$260.00} - on XXXX/XXXX/16 for XXXX ( bank charged our card, WE DID NOT APPROVE ) {$1.00} - Total expenses. 
I can prove these payments/charges with my bank statement. 

All I am looking for is my money from the list I included above, although this process has cost me a lot of more. I spent my savings to pay off our car loan and our son 's student loan in full, which was around {$20000.00}, as this was a requirement from the bank. I can provide proof of this. Also, my current rent increased by {$200.00} a month, because I had to give my apartments a notice of vacation, again per Citibank 's request during the process of approving the loan. I can also provide proof of this. 

I do n't have money for lawyer, so you are my only hope to get my money back. 

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 01/19/2018 about Debt collection (I do not know) with TekCollect Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TEK COLLECT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK COLLECT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX several times requesting the information they are reporring on my credit report. They have refused to provide this information. I was receiving state health insurance at the time and the charges were paid for by the insurance company. This is why I want to see what was not covered and they refuse to provide this information. The company is extremely rude when you call

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 08/31/2016 about Debt collection (Medical) with AmerAssist A/R Solutions, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continuously contacting me at my place of employment. Harrassing calls all day. Company - AmerAssist Turnaround Management

Company response to consumer: Closed
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had this loan since XXXX of 2008. Which I had gotten through XXXX XXXX, consequently Navient bought the loan. I 've just discovered that I am being charged an interest rate of 35 %. My loan documents show I should be charged an interest rate of 11 %. If I had not been loan sharked this loan would have been paid off years ago. The initial loan was for {$3500.00} plus interest. 
I am also not getting correspondence from the company but they are harassing my co-signer with letters and phone calls monthly. He has to email me the letter they keep sending him. I 've enclosed a copy. I do not live with him and do not know why they included my name under his address. 
I have provided a copy of my profile on their website proving they have my current mailing address and phone number. I will be sending a copy of this complaint along with all other documents included to Navient as well. 
With all of the extra money being taken towards undue interest this loan would have been paid off and done with. I believe Navient owes me a sum of money from interest that was not due to them or the loan being considered paid in full. At the very least they should recalculate the loan at the proper interest rate and provide updated loan information as well as remove the co-signer and stop harassing him.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2016, my checking account showed pending transactions with a positive balance to cover those transactions by XXXX XXXX. My account did not show a pending transaction for a XXXX payment. Also after XXXX XXXX any deposit to the account will not be processed. During the nightly process between XXXX/XXXX/2016 & XXXX/XXXX/2016, Wells Fargo processed and posted the previous pending transactions that I was aware of at XXXX XXXX Wells Fargo also processed and posted a XXXX payment that I could not see. Because it is a recurring payment, it will be processed even though I do not allow over drafting. However, I could not see the time it came through to my account until the next morning at XXXX XXXX Wells Fargo processes overdraft fees by XXXX XXXX. I deposited {$20.00} cash into the ATM around XXXX XXXX in order to bring my account positive before any overdraft fees. After my deposit, Wells Fargo posted an overdraft fee to my account. This suggests that Wells Fargo took advantage of this recurring payment by not allowing it to post on my account as a pending transaction, but rather process the transaction over night and post it to the account after the nightly processing hours. In doing so, Wells Fargo would be able to assess a profitable {$35.00} overdraft fee for a roughly - {$16.00} balance. This concerns me because I never saw the transaction pending XXXX/XXXX/2016 before XXXX XXXX the cut-off time for deposits. I feel taken advantage of and mislead by Wells Fargo. I also have lost trust and faith in the financial institute and do not have confidence in other financial institutes. Banking is an essential part of my personal life, an essential part of my financialgrowth, and an essential part of my business beginning and growing.

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 06/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX, 2016 I initiated a dispute over a {$100000.00} tax lien that was withdrawn by the IRS in XXXX 2016, as well as filed with the XXXX County court a notice of withdrawal. The IRS contacted XXXX, XXXX and Equifax , and while XXXX and XXXX removed the lien from my credit report without any intervention from me, Equifax was and is still reporting it. 
When I saw Equifax still listed the lien as a public record, I filed a dispute. The response I got was that they had " verified '' the public record item was reporting correctly. Curiously, the amount of the lien suddenly became {$10000.00}, not {$10000.00}. 

When I saw there was a second dispute opened, I assumed someone at Equifax had noticed the error and they were fixing it .... but no. The second dispute 's results came back identical - that they had " verified '' the public record item and it was reporting correctly ( and still had the lien listed at {$10000.00} ). 

They clearly never even attempted to verify anything, otherwise they would see the lien was withdrawn and the documents were filed with the XXXX County court on XXXX XXXX, 2016, document # XXXX. It 's publicly accessible. 
Not only did XXXX different Equifax employees lie about " verifying '' this lien, but to be in the business they are in, basically holding people 's lives in their hands, and yet they make a careless typo like changing {$100000.00} to {$10000.00}. 
I have filed another dispute, confirmation number XXXX, and included proof that the lien was withdrawn, but I have no faith that some Equifax wo n't just push a button labeling my " verified '' again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 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 signed up for a delta platinum credit card with a XXXX bonus skymiles offer. The terms of the offer were that I had to spend {$3000.00} in three months, pay a {$190.00} annual fee, and receive these miles. I spend {$3000.00}, some through merchants, and a portion by purchasing American Express Serve card loads. After completing the spending, I called customer service, and they told me the money was spent and I was set to receive the bonus miles on the next statement. I never received the points. I called customer service, was transferred around for hours with no resolution. They told me they would open a claim into these missing miles. I never heard back from American Express, so I called them six months later. They told me I was ineligible to receive these miles, since somewhere buried in the terms and conditions was a provision that spending money through serve was not counted as spending. My issues are 1 ) in the beginning, the agent told me I had met my requirements. Had she mentioned that the spending through serve did n't count, I would have found another way of meeting the spending. 2 ) When I called to ask why I did n't receive the points, I was still within the three month period. Had I been given a direct answer right away, I could have spent money in another fashion to meet the deadline. 3 ) They promised to get back to me and never did. 4 ) When I spoke to American Express 6 months later, they informed me why I was ineligible to receive the bonus. When I explained my grievances, they were cold and refused to honor my request or even give me some form of compensation. They even refused to refund my {$190.00} annual fee.

Company response to consumer: Closed with explanation