milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Hello, My name is   XXXX   XXXX   and I am contacting you on behalf of my grandmother   XXXX   XXXX   XXXX  . My grandmother is getting ready to retire and I am trying to get her finances handled and have come across some discrepancies. She has a SEARS card that she did use but stopped about 2 years ago and continued the payments as billed to her and her balance never went down. I have looked into her purchase history and nothing warranted the a approximately three thousand dollars. I believe that the interest and services fees are what kept her from minimizing the debt over the last couple years. I 'm hoping by contacting you that you can find out if there was any wrong doing over this matter. She has been for the most part a pretty loyal customer of theirs until they left the local area.
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Thank you for your time and patience,   XXXX   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 04-02-2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (OK).
Issue: Problems when you are unable to pay

Complaint: I have been unable to make payments due to my decrease in income as of XXXX 2014. However, there are actually several of these " loan shark '' companies in town that I unfortunately became involved with to do business when I had been low on money in the past. It is a nightmare to even try and pay XXXX off because they always entice you to re-borrow. And once I tell them I am unable to pay anything at the time it is due they continue to ask questions of when, or cant you borrow from someone, and then proceed to call daily. They call my cell phone, which is part of my business, they call my professional business office where I am a XXXX and have sessions with my clients. They have even came to my office, came to my home, where my husband 's XXXX is located, and then even proceeded to contact me on my private social media via messenger. ( XXXX ) They call everyone on my initial application and harasses them as well. I even asked them not to call or even let my husband have knowledge that I was applying for a loan as he would be angry. However, they violated my confidentiality and even proceeded to come to my home, and spoke with my husband on XXXX occasions that I know of. NIGHTMARE!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: When I rented a car with my    XXXX   American Express ( AMEX ) card, I wa s charged {$19.00} on  XXXX / XXXX /   2017  by  Amex   XXXX   XXXX   for   XXXX   XXXX  rental insurance. I had previously opted in to this premium car rental insurance on my  XXXX   XXXX  AMEX card, but had not added it to my new  XXXX  AMEX card. When I called AMEX to complain about this, they said that once this insurance is added to  XXXX  card, it is automatically added to any other AMEX cards I get. They refused to refund the {$19.00} fee. They also refused my request to opt-out of premium insurance being added to any ne w AMEX card I may ap ply for. I spoke to  XXXX   (  ID  XXXX   ) a nd supervisor  XXXX   (  ID  XXXX   ) at Amex   XXXX   XXXX  in Oklahoma.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2015 Equifax removed XXXX from my report on XXXX XXXX, 2015 it was added back to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried twenty times to get my free report from Equifax. They keep saying I am giving them the wrong information even though i absolutely am not. They are trying to get me to pay for the report instead of having to give it to me for free.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.

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 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have knowledge of the debt that is attempting to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Delinquent account

Complaint: RE : XXXX/CitiBank Credit Plan credit card account I paid my balance in full by phone on XXXX/XXXX/16 BEFORE the due date of XXXX/XXXX/16 because their website was down, which I 've always used to make my payments ... and I ALWAYS pay in full! I also rec 'd a confirmation number from the phone customer service rep. However, when I rec 'd my next statement ( on XXXX ) there had been no payment and there was a late fee and interest. I was flabbergasted and confused ... and VERY upset! So, I immediately called and talked to XXXX, another phone agent, at Citibank ... who took my information AGAIN over the phone and promised to correct the error. When I checked my credit report later, I learned that they had listed my account as 30 days past due. SO, I website chatted with another Citi agent/manager XXXX XXXX XXXX, who instructed me to write a letter and they would correct the error ... again. They did reverse all fees and interest, BUT never corrected my payment history. This is inexcusable and of no fault of mine ... and REALLY damaged my credit, which was perfect. Please HELP!

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 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/15, I contacted XXXX to disconnect cellular phone service. At this time I requstested that I final bill be sent to me via U.S. Mail instead of via email. The representative advised me that I would recieve a bill after the end of the current billing cycle which ended on XXXX/XXXX/15. On XXXX/XXXX/15 I recieved a notice from a collection agency. The notice states that " this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. '' When I called, I was NOT given the same disclosure nor advised that the called was being monitored and/or recorded. She then told me that I owed a completely different balance than what was stated on the notice. Albeit lower, but different nonetheless. I was advised that I was in fact calling " a part of XXXX '' and that it was not an outside collection agency and I would be referred to an outside collection agency as of XXXX/XXXX/15. I informed her that I requested a final bill via mail when the service was disconnected. She " verified the information with XXXX '' and proceded to explain that she will send a bill but the account will still be referred to an " outside collection agency '' on XXXX/XXXX/15. I was not even giving the opportunity to pay the bill before it went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON XXXX AND TRANSUNION. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: Hi My name is XXXX XXXX XXXX. I have recently came out of a bankruptcy with discharge success. Once I came out of the bankruptcy Ocwen ( XXXX mortgage ) would no longer take my payments. They gave me XXXX options : 1 ) pay the reinstatement amount 2 ) apply for a hardship modification. I have spent the last 7 months apply for the modification. I have sent and resent information to Ocwen over five times per their request. Now they have sold the paper on my loan to XXXX XXXX. It appears the process may have to start all over. I want to keep my house but I think I have been set up for a foreclosure. I need your help to maintain possession of my home. Please advise ... ... ... ... ... ... .. 
Sincerely XXXX XXXX XXXX Loan number with Ocwen : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, XXXX & Experian to date XXXX and Experian. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Wells Fargo 's reward program for the XXXX XXXX XXXX states a customer will receive a {$200.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. 

Specifically, ( footnote 1 ) The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. 

https : //www.wellsfargo.comXXXX I made a qualifying purchase on XX/XX/XXXX, and three billing cycles have elapsed ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) and I have not received the bonus. Wells Fargo is not honoring its contract. 

Wells Fargo should immediately issue me the {$200.00} bonus.

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 03-02-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (IN).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I was told the total of the truck was XXXX my payment would be XXXX a month. I get my payment book and every payment says XXXX I call XXXX XXXX XXXX the guy says it because some months have more then 4 weeks in them. I make my 1st payment then by the time I make my 2nd payment they saying I owe XXXX dollars on the truck the paper work I signed the only paper work I got says XXXX but the kcredit place says I owe XXXX saying I gave the sales guy permission to sign my name on form which I never did so I was not aware of me being locked in for 5yrs paying XXXX a month oweing over 12,000 dollars in interest I was only made aware of it once I made a complaint to the credit people about my account saying I owe XXXX dollars.

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 10-04-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Several loans should have been discharged due to my total and permanent XXXX courtesy of The Department of EdXXXX. However, they are still active and open many reporting incorrect payment account histories that have been disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt with the original creditor, XXXX. I do not know why it was turned over to Diversified Consultants, because I did not do anything wrong. Diversified Consultants is continuing to report the bill as open and unpaid on my credit reports, though I have called them, directly, twice to resolve this matter. They refer me back to XXXX and deny ever speaking with me about this matter. XXXX refers me back to the collection agency, when I contact them. It should have never been turned over to Diversified Consultants, and neither party is attempting to work with me to resolve this issue. In the midst of this, my credit report is being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MD).
Issue: Managing the loan or lease

Complaint: I took a cruise on the XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. While on the cruise, I purchased artwork from Park West gallery. I purchased artwork on XXXX XXXX totaling {$250.00}. I then purchase additional artwork on XXXX XXXX totaling {$420.00}, for a grand total of {$670.00}. 
I received a bill from GE Capital Retail bank ( the bank ) in XXXX XXXX for a total of {$480.00}. The total sum was covered by a promotional deferred interest on the balance if paid in full by XXXX XXXX, XXXX. The current amount due was a minimum payment of {$25.00} by XXXX XXXX, XXXX. 
A payment of {$30.00} was made on XXXX XXXX, XXXX and successive payments of {$30.00} were made no later than XX/XX/XXXX through XX/XX/XXXX. A payment of {$330.00} was made on XXXX XXXX, XXXX, representing the full balance due. I received a statement from the bank in XXXX, XXXX, indicating that the balance was now XXXX. 
Nearly a year later, I took cruise on the XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX. Upon checking my XXXX XXXX ( XXXX ) XXXX after the cruise, I noticed a charge of {$180.00} to XXXX dated XXXX XXXX, XXXX. As we did not purchase any artwork on this cruise, I immediately contacted XXXX and disputed the charge. XXXX removed the charge, however, I received a letter from XXXX XXXX XXXX/Synchrony Bank ( Synchrony ) dated XXXX XXXX, XXXX indicating that they were investigating the disputed transaction. 
I received a bill from XXXX in XXXX, XXXX, indicating that I had a {$180.00} balance due from a transaction dated XXXX XXXX, XXXX. As I did not make a purchase on that date, I did not make any payment. Apparently, it makes no difference to Synchrony, since I am still receiving bills from them with ever increasing interest amounts for a purchase I did not make. After checking my receipts, I now realize that the bank made a mistake on the amount owed in XXXX, however, I am appalled that Synchrony tried to charge my XXXX account over a year later without authorization or notification that there was any outstanding debt.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I consolidated my Federal Student Loans with XXXX in XXXX 2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other fee

Complaint: I paid over $ XXXX on XXXX card and over $ XXXX on another, wiping out all my savings/spending potential to pay back my debt to Citi , but then they added an interest charge to the then current balance that 's been backdated to my now current minimum payments on both cards : XXXX costs {$89.00} and the other probably half that.

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 03/29/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company ARS is continuing to add and take away a debt that does n't belong to me. I received 3 letters from them on XX/XX/2016 saying they were removing these accounts. These accounts are not even mine. They just sent me another so-called validation of the debt and took off the name of the original person that owes it. This is damaging my credit and preventing me from being able to obtain credit with my credit union.

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 04-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX started reporting a collection that is outside the 7 year statute of limitations when they acquired it XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Please see CFPB case # XXXX - I am submitting this complainT today to show that Dovenmuehle Mortgage company made charges to me based on fraudulent documents - Please find attached documents submitted by Dovenmuehle stating that I agreed during closing to pay for inspection fees - and they have provided fraudulent signatures - my father XXXX XXXX XXXX was never a party to sign anything - NO CLOSING took place, only an assumption/transfer of the mortgage for {$30.00} paid by XXXX XXXX XXXX - Please note on Dovenmuehle 's fraudulent documents, there is white-out on the copy which voids documents - XXXX XXXX ( XXXX ) XXXX the XXXX are signed differently. There are XXXX different dates on the fraudulent document with the signatures XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - Please look at notary seal - there is white out and the date is unclear. I have attached the True documents from XXXX, Pa Records department showing the deed was between XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX ONLY - NO transfer tax was due only a cash {$30.00} paid for recording. I know I never signed this fraudulent document where XXXX or Dovenmuehle can claim I agreed to inspection fees - yes my account was late and due only ordinary late fees but my account was current. Please investigate further - if these documents appeared out of the blue for me in favor of the mortgage company making excessive charges they are also being attached to other mortgagees. Please investigate. These fees I NEVER agreed to I NEVER had a CLOSING - I assumed my siblings old mortgage NEVER signing anything new I NEVER NEEDED another refinance or loan modification - NEVER ANY NEED for me or my PARENTS TO SIGN THIS FRAUDULENT DOCUMENT. Also, please note, I have attached a copy of my XXXX XXXX form provided by XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX is not listed..

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with MRS BPO, LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have received upwards of XXXX calls within a short span and during work hours. Also have contacted relatives outside my immediate family improperly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief