milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Making/receiving payments, sending money

Complaint: I filed extra charging complaint against Bank of America XXXX Bank of America refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Bank of America paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am aware of the payment that I owe to the XXXX. Money was being deducted from my XXXX paycheck to satisfy the money owed and the deductions stopped a few months ago. If I still owe money I can continue to make monthly payments of {$200.00} but the amount that they claim I owe does n't seem correct to my knowledge. I need someone to review my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I attempted to cancel a Macy 's credit card recently, and was told everything would be all set. After a couple weeks I realized that the card still had a {$4.00} balance that was not explained. After calling Macys they informed me that the charge was an interest charge due to the fact that my last bill has not been paid despite the fact that I am on automatic payments. After some discussion they did agree to remove the charge however they never did. After another call back they informed me that the charge would be removed, but were unable to provide any kind of confirmation that it had been done, or and would not offer to call back to confirm. I asked to speak to another customer service representative in the hopes of finding someone who would be able to provide me direct contact information or call me back. Instead they simply hung up on me. Throughout this process the customer service representatives have indicated to me that their website is not functioning correctly and that there is no way that I can use it to check my balance reliably. At this time I still have no indication that any charges have been reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The account I am disputing is over 7 years old and should be removed. XXXX and XXXX have deleted it, Equifax refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Problem with additional add-on products or services

Complaint: I opened this loan I think at the beginning of the year or end of last year. I have been a loyal customer they do n't have to call me about a payment l pay when its due or a day later. The way I have been treated since i lost my job on XXXX is pure ridiculous and hurtful. The have customer they have to call every month because they are always behind. When I got this loan i was ASSURED it had employment loss coverage. I called on yesterday to put that into affect only to be told I was lied to and the one they added was XXXX. Well that I would never need and I did not ask for it. But I did ensure that I had the employment loss and i was told multiply times I did. Which was a lie. I was told that I can get my money back for that which would be prorated Okay fine. I was told they did not have the employment check although i told them that was what i needed because I had faced a layoff before and you never know what can happen in the future I was assured that it would cover all loss of employment. The branch when calling today was point blank rude. How do you treat your good customers like this? This turns a good customer into a bad one with rude workers. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Money was not available when promised

Complaint: initial transfer was  XXXX   XXXX ,  2017  ... .sent  XXXX  +  XXXX  charge to   XXXX   XXXX   in   XXXX   ... to   XXXX   XXXX   ... at that end they say the money has not arrived ... I have called penfed credit union, sender of intial transfer at least  two  ealier times for reason ... .have yet to get a valid explanation why after 11 days account there has not been credited with funds ... called them today and still get runaround ... need cfpb assistance in having this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: My credit cards were stolen out of my wallet on XXXX XXXX, 2016. I called all of the credit card companies the same day to report the theft. And I called the policy and filed a report. Unfortunately, my cards had already been used to make fraudulent purchases by the time I reported them stolen and I made that clear to the credit card companies as well. All of the other credit card companies have removed the fraudulent balances and any additional charges because of the fraudulent charges except for Macy 's. Macy 's removed the fraudulent charge, but not the interest and penalties accrued as a result of the fraudulent charge and they continue to charge interest and penalties on the account. I have called Macy 's fraud department numerous times as well as sent them a copy of the policy report and yet they continue to call me every day to try to collect the debt as well as continue to add late fees and interest charges to the late fees and interest charges that were not removed from the account.

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 01/27/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: We began the refinancing process with Chase XX/XX/XXXX, locking in our 4 % rate. Over the past 3 months, Chase has intermittently asked for documentation on my end to close the deal. In every instance, I have provided Chase with the requested documentation within 0-2 days. Every instance, Chase has led me to believe it was the last piece required before signing closing documentation. Fast forward to XXXX/XXXX/XXXX, I received what was to be the final request of home owners insurance documentation and provided it to Chase on XXXX/XXXX/XXXX. I find out on XXXX/XXXX/XXXX that Chase filed for an extension on my lock on XXXX/XXXX/XXXX without informing me at all, and now I will be charged with 0.375 points to pay for the extension. Contacting the Lending Manager lead to him basically " take it or leave it ''. So in a nutshell, Chase applies for a rate lock extension for absolutely no reason, and never informed me, and now is expecting me to pay 0.375 points ( roughly {$1400.00} ) to complete the refinancing process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have had PNC checking for a few years and they are typically receptive to disputes. In this instance, my checking account was billed a day early by a utility provider ; however, I was billed for two Overdraft fees on XXXX.XXXX.2018, in the amount of {$36.00} each, for insufficient funds. HOWEVER, today, the transaction which caused the funds to be low, is still showing as pending and my deposit of {$2100.00} is available. I have plenty of cash in other accounts that I could have deposited into this account to cover the early charge ; however, my email alert did not get sent to me until XXXX Eastern. I feel like that that defeats the purpose. I have made this argument before. What is the point of an alert if they do n't come out until after someone is asleep. I feel like that is a deceptive practice in order to gain additional fees from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Making/receiving payments, sending money

Complaint: I have a checking account at Citibank. When I wrote a check of {$1000.00} to XXXX XXXX for paying my rent ( for my wife, XXXX XXXX 's rent in XXXX ) on XX/XX/XXXX, somebody named XXXX XXXX, instead of XXXX XXXX, cashed the check to her own Citibank account by wiping out the recipient 's name ( XXXX XXXX ) and put her name on the check. Citibank did not look carefully for the payee authenticity and paid the money to that person ( XXXX XXXX ). 
I filed a clam to Citibank for {$1000.00} on XX/XX/XXXX. Citibank Representative in that office told me that the check was deposited in a Citibank account, i would be easy for them to find the theft since they videotaped every ATM transaction. They would open an investigation and pay me back in 3 months. But The denied my claim on XX/XX/XXXX using the reason that I did not report the case within 30 days from the incident happening. 
If the consumer put his money in that bank and the bank can not make sure that the written check is going to pay the person the account owner put on, there is no safety the bank can provide to the consumer. Citibank only allow 30 days to claim the loss from money theft. That time is too short and consumer can not find out what has happen in such a short time period. The unpaid rent to XXXX XXXX caused a lot of troubles to my whole family including the damage to my wife 's credit record and we are the innocent victims of the bank money stealing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I obtained a copy of my credit report in XX/XX/XXXX. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/XXXX, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my Experian and XXXX reports immediately.

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 03/15/2017 about Credit reporting () with GENERAL MOTORS FINANCIAL COMPANY, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: This company, XXXX XXXX XXXX XXXX, is charging me an exorbitant amount of interest on my latest bill. They claim I sent my payment of {$25.00} late in XXXX on the XXXX. However I have the bank statement that shows I sent it on the XXXX, which was before the due date. In XXXX, they did not send me a bill in the mail for some reason. So, I did n't send in a payment since I thought I was caught up. Now, in XXXX, they send me this bill that shows all these late fees and that I now owe {$120.00} by XXXX/XXXX/15. This company attempted something similar in the past against me, and I believe they purposely did not send me a bill in XXXX, then they blame me for not sending a payment, in order to extort more fees out of me. I have to assume I do n't owe anything at a given time if no bill comes in the mail. Had they sent me a bill in XXXX, then this situation could have easily been avoided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is leaving case XXXX open but sent the attached letter to me which shows again that they did not conduct an investigation per my request which is a violation of my rights under FCRA. They also did not conduct the investigation per my CFPB complaint. They are clearly showing no regard for the FCRA. Their non-compliance under section 616 of the FCRA is greatly affecting my ability to obtain credit. If these inquiries are not immediately removed, I will file a complaint with the FTC and Attorney General with the proof of there violation and proceed with filing suit through my local court system.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (I do not know) with Estate Information Services, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX OH, XXXX has left XXXX voice mails on my cell phone stating they are EIF Collections, a debt collector, and that I should call XXXX extension XXXX. I am assuming this is a fraudulent call, because I have $ -0- debt, other than credit cards, which I pay monthly when the bill comes, and a car payment, which I also pay on time monthly. I just now checked both mine, and my husband 's, free annual credit reports, XXXX, both of which indicated no issues at all. They also did not indicate any credit cards etc., other than those actually opened by ourselves. Thus, thankfully, there is no sign of ID theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am being harassed by Windham Professionals Inc ( XXXX XXXX XXXX XXXX NH XXXX ; XXXX ). I was contacted XX/XX/XXXX at my work number about an " Obama Student Default Program '', which I have learned there is no such thing and was given false and deceived by the caller from Windham. The caller tried to force me to sign an agreement with out me being able to review or get legal advice. I asked repeatedly to send me the documentation via US Post so that I may review with my attorney and the caller agreed but the documents were never sent. I received harassing telephone calls from Windham at my work telephone several times a day even after I have told them not to call my work number. I received a threatening voice mail from a man stating that " I needed to call him back before he made a decision for me ''. 

I did review proof of the debt from Windham. The documents sent show a promissory note of {$9500.00}. They claim I owe over $ XXXX but there has been no proof provided on the differences between balances. I am disputing the the balance of the stated debt owed. 

Windham is now claiming they are going to garnish my wages by XX/XX/2016. Notice was dated XX/XX/2016 and received XX/XX/2016 I want the garnishment processed stops since the debt owed is in dispute. 

I want Windham Professionals to cease and desist all activities with my student loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report

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 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I  missed one  month of paying the card balance in full (   XXXX   XXXX     ) - I paid the following month (   XXXX   XXXX      ) in  full, which included interest for the unpaid balance in  XXXX , but they still charged me interest on the   XXXX   XXXX     bill based upon the unpaid balance from the   XXXX    bill  - even though there was no outstanding balance from the   XX/XX/XXXX  bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MI).
Issue: Struggling to pay mortgage

Complaint: Our loan originated with XXXX XXXX XXXX XXXX in XX/XX/XXXX. We continued to make mortgage payments and tried to contact XXXX XXXX with questions about the structure of our mortgage, only to find that XXXX XXXX XXXX took over the company. We requested proof from XXXX XXXX XXXX on mortgage ownership. They sent the requested documentation. After reviewing the mortgage documents, we noticed that both of our signatures were forged on some documents. Shellpoint Mortgage Servicing bought the servicing rights. now they have ignored our requests to send paperwork to support their claims of an fraud investigation into our case. They have pushed to Sheriff Sale our home XX/XX/XXXX. We paid our mortgage payments consistently on time every month on a 30 year interest only loan up until I lost my job. We are disputing the {$230000.00} amount stated in the letter sent by XXXX XXXX. Our records indicate that we owe less than 50,000 dollars on the home. Upon reading newspapers and seeing news reports, it was revealed that we were victims of Predatory Lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian XXXX-SERIOUS DELINQUENCY ; XXXX-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED ; XXXX-DELINQUENCY REPORTED ON ACCOUNTS ; XXXX-AVAILABLE CREDIT ON OPEN REVOLVING TRADES I have pulled my credit report 5 times. There is not ONE thing on my Experian report showing deliquent. I have complained about this SEVERAL times to Experian - all they do is send me a copy of my report showing NOTHING deliquent. I would like to take legal action to have this statement 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 01/30/2018 about Debt collection (I do not know) with National Check Resolution Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Leave repeated messages harassing myself and my wife by threatening to appear at home or work and to be ready. Uses a very aggressive tone and claims to be visiting to as part of a civil lawsuit, however, Clerk of Courts searches did not reveal any pending litigation.

Company response to consumer: Closed with explanation