milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2016 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I worked with the local Fifth Third Bank branch as my commercial loan that is guaranteed personally was ballooning as it was a 5 year note. When I went to the branch to sign the refinance papers, XXXX XXXX advised they could n't complete the refi because of a tax lien that showed up on title and that I would have to work with the Special Assets Group ( SAG ). I worked with XXXX XXXX in SAG to complete an extension and he advised me he did n't know why this was in SAG and would refer it back to the branch. 9 years and XXXX extensions later, SAG is now foreclosing on my business property. Through each extension, the interest rate increased from 8 % to now 15.5 % and the fee gouging with each extension has gone from {$1000.00} up to {$2500.00} per extension plus a fee to complete the execute of the extension. Due to the significant increase in principal and interest demands beyond my financial means, I have sold my home and moved my family to a small dwelling to try and maintain this loan. The IRS did not accept an offer in compromise with the selling of my home, but has agreed to subdordinate to Fifth Third if they would modify into an amortizing loan. Fifth Third SAG officer, XXXX XXXX advised they do not modify loans and they " no longer want to do business with XXXX XXXX XXXX '' although I have been a paying customer since XX/XX/XXXX with multiple loans and accounts. I am a XXXX year old veteran and the recession hit my new construction painting business hard. I have XXXX children I provide for and have had no choice but to stop paying due to their predatory practices. The property that is collateral for this loan is necessary for my business to continue to be successful and provide for my family. It is a business operation I use to finish products for new construction, maintenance and storage for my company. With the monthly payment required of {$1600.00} on a {$55000.00} loan I can not keep up with the banks demands and care for my family. I am currently working with the IRS representative XXXX XXXX to request a withdrawal of lien in hopes Fifth Third Bank will modify the loan. The threatening emails and constant demands for a deceptive and unfair payment has jeopardized my business and livelihood of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: Asked for and got Credit Freezes from XXXX, XXXX, Equifax and XXXX around XXXX XXXX, XXXX, based on prior experience with Identity Theft and the Equifax data breach. 

Received a letter from Equifax stating that an extended fraud alert had been placed on my credit file that would remain on file for seven years. Letter was dated XXXX/XXXX/XXXX. 

Received a letter from XXXX on XXXX XXXX ( letter dated XXXX/XXXX/XXXX ) .stating that an application for XXXX  card had been denied, based on a credit freeze at XXXX or Equifax . The application was fraudulent. Someone had used my name address and telephone number but apparently a different email and Driver 's license from mine. 

Yet I did not receive a fraud alert from Equifax. While the credit freeze worked, as XXXX was denied my data, Equifax 's advertised service of Fraud Alert did not.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I had a charge that was charged my card as an authorization by XXXX and when i stayed at hotel as told it would drop off and decided to pay in increments for hotel stay ( {$330.00}, {$160.00}, {$890.00} ) as i did n't know how long we would be staying for whole reservation as home was n't ready to move in so we changed our reservation. After checking out i noticed my XXXX XXXX credit card had a charge for the full amount of {$1300.00} and authorization never dropped off. When this happened i contacted bank of america and dispute these and filed a claim for these duplicate charges. XXXX out of the XXXX charges were credit back as permanent credit ( {$330.00} & {$160.00} ). The XXXX was still not credited back after going back and forth with bank trying to get this resolved. The bank made errors when resubmitting and caused delays and issues with claim which was their error. In XXXX i received claim response from merchant and then was allowed to submit rebuttal for claim which i did and faxed back to bank for all XXXX amounts. How can they process XXXX but not the XXXX correctly when there all a part of same amount. They stated it was past time frame. when clearly i responded immediately when they requested along with others they gave me credit back for so it was not past time frame. I then called back in XXXX to resubmit the {$890.00} for the XXXX time. I even specified there was a XXXX XXXX statement on file showing the charge was made on another card and was never refunded. I never received any notiice of result of claim or response since XXXX. I did however receive a response for the {$160.00} amount which they stated was a permanent credit. I called the bank on XXXX to check status again. and once again they submitted claim incorrectly, did n't notify me whatsoever of any result or update or phone call for that matter. My account got closed for the - {$500.00} amount that resulted from that charge when they reversed the temp credit prior to getting my rebuttal and proof of duplicate charge. They were notified, provided every document from me and makes no sense how XXXX transactions for the same thing same stay at hotel and same charge on my XXXX XXXX can be refunded for XXXX but not the XXXX when there all the same issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Prepaid card (Other special purpose card) with JPMORGAN CHASE & CO. (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/16, I used my card at a Chase bank ATM to withdrawal {$500.00} from my card. I received a receipt that says " transaction denied '' and did not receive the {$500.00} I requested. I then went to a XXXX XXXX ATM and was able to withdrawal {$500.00} twice, for a total of {$1000.00}. 
I checked my account balance on XXXX/XXXX/16 and saw that the {$500.00} that I did not receive was deducted from my account. I contacted customer service and submitted an oral dispute claim. I was instructed to fax a written statement within XXXX business days and was given a reference number. On XXXX/XXXX/16, I faxed this written statement to the number provided. On XXXX/XXXX/16, I contacted customer service to check on the status of the dispute. I was told they had no information for me and they could not confirm or deny receipt of my faxed statement. I asked to speak to someone else and was told I could not and I had to wait the 10 business days first. I decided to refax my written statement, just in case, and did so on XXXX/XXXX/16. 
On XXXX/XXXX/16, I contacted customer service again, as this was the 10th business day and I did not have a provisional credit in my account. I was told by customer service that my account stated I would receive provisional credit on XXXX/XXXX/16, if they received my faxed written statement. I communicated that I had faxed this written statement twice and confirmed the correct fax number. After being put on hold for several minutes, I was told they did n't have it and I would not receive provisional credit until they received it. I referenced Regulation E, which states that the company is required to provide provisional credit within 10 business days of receiving the oral complaint, regardless of their requirement of written documentation. The customer service representative told me she would forward the information to her supervisor, XXXX. I informed her that I would be contacting consumer finance if I did n't have the credit in my account, which to date, I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX Navient add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer XXXX  my location and area operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, 2015 I was online trying to book some tickets XXXX. When I went to purchase the tickets and try to use my bluebird XXXX American express XXXX credit card number the transaction was declined. I then had to use another credit card to purchase the tickets. A few minutes later I went to pay something with my bluebird card and was denied again. I logged in my account and found that the transaction for the tickets XXXX was pending and taken out from my bluebird balance. I called American Express and they told me to call XXXX and that they would reverse the transaction. I then called XXXX and was told that they are not allowed to reverse transactions that bluebird had to put the money back in my account. After an hour of back and forth I was told by XXXX Employee No : XXXX ( manager from bluebird ) that they could not put my funds back in my account until XXXX working days, How could they hold my money for XXXX days for nothing that is my fault. Who is making the interest on these funds while they are in pending transactions. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I faxed a letter to Equifax asking for this creditor " XXXX '' to be validated and removed off my credit report which I faxed on XX/XX/2017. I then called the next ( XX/XX/2017 ) business day to make sure it was recv 'd via fax and I spoke with off shore representatvie who told this was removed ( I asked her more than twice she said hold on researched and said " ma'am this is no longer on your credit report '' ) from my report so I assumed it was from my dispute I sent. I then asked her again she yes it is not on the report so my call ended at that point I assumed it quick due to being faxed. I then called back because I did n't feel confident about what she told me and got another off shore rep who told me it was not then I got aggravated so I asked for a supervisor. Next I explained to the supervisor what information I was given she then apologized but I told her that is not fair to me due to asking her more than once is that was correct. Then the supervisor wrote this up and I advised her that this creditor I sent them a letter and enclosed a copy of drivers license & social security card ( which I sent in error it should have just been the letter ) in error and XXXX on my part. I am upset about being given the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a student loan, XXXX I wasnt sure I had, since I had just paid off XXXX. Anyway the collections emails started, and then the calls. On the call, the woman asked for not only payment, but wanted all my tax info, including all my wife 's information. Since I was at work, I told her, repeatedly, like 4-5 time, that I do not have the info she was requesting. She kept asking for it, asking for a ball park estimate, all kinds of ways. I finally told her the only way I could possibly get her the info was to walk off the job. She said fine and that she would call me later in the evening. Then, a few days later, I got a letter stating my wages were going to be garnished in the next week, and then the week after that, my paychecks were being garnished. Also there is almost XXXX dollars charged for for collection fees. All the money they are garnishing is only going to interest. I tried to explain that I had tried multiple times to submit for a loan rehab, but the website will not progress past the second to last page, even when I switched browsers. That tells me it is theirissue, and not operator error

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 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been paying to settle this account, listed on my credit report the total owed is {$1000.00} however when i call to settle in full i i was informed that the amount listed on my credit report was incorrect and my total was {$1500.00}. i tried to explain to the agent on the phone and was told i should just pay the {$1500.00} as it is listed as accord interest in her system

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive XXXX to XXXX phone calls from this company daily. My phone number is a business phone number. This is not my 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 explanation
Consumer complaint received 12-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: Amex ( American Express ) and XXXX terminated their relationship. Amex sent out confusing information about the termination because Amex failed to differentiate " rewards '' ( which would be transferred ) and " membership rewards '' ( which can not be transferred. ). Amex unilaterally terminated the program and stole thousands of membership reward points from its credit card holders. Amex could have done any of the following 1. Continue the credit card and points without XXXX. 
2. Continue the membership reward points. 
3. Converted them to a debit card 4. Sent a check. 
They chose to defraud its card holders by arbitrarily cancelling the membership reward points after XXXX XXXX, 2016. I spoke to XXXX in XXXX ID # XXXX and her boss XXXX refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with Southwest Credit Systems, L.P. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account that now appear in my credit report were dispute removed because the accounts have a wrong balance. Now the account appear again in the history, I am willing to pay a part of that balance to clear my credit but I do not consider it fair to pay everything Since that balance is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: I went into Capital One bank to open a checking account. I signed the signature card, provided my ID, made the opening deposit, received a temporary check/debit card on XX/XX/XXXX. Today is XX/XX/XXXX and I still can not get access to my account online. I have spoken in person at the branch and over the phone to XXXX ( XXXX ) different representatives. None of them have been able to help so far and checking back tomorrow seems to be the best option after spending between 30 minutes and an hour with each representative trying to resolve the issue of online access. It never occurred to me that in XX/XX/XXXX online access would be difficult at any bank. If I had not already paid to order checks and deposit slips I would simply close this account and find a more competent bank. Can you help??

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Several Times I have received telephone calls at work. One time the caller called my mother and stated that there was a warrent out for my arrest, my mother called in a panic. Then the caller gave my full birthday and social security number, when he asked was it correct, I told him that even if it was he had given out to anyone that answered the call. The second time the caller stated that they have a XXXX County Docket number # XXXX and that if they do not speak with me regarding this loan that I will be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with Credit Karma, Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Someone in Georgia stole my identity, opened fraudulent accounts, and started a Credit Karma account using my old name and social security number etc after my wallet had been stolen. I have finally gotten all three credit bureaus to report only correct information with the help of a lawyer. I contacted Credit Karma to take over the fraudulent account and had to send in proof of my identity. Now Credit Karma refuses to remove erroneous information even after I have paper copies of all XXXX credit reports and none of the false information is listed there. I want Credit Karma to close my account permanently. They allowed a scammer to open up an account in my name and now refuse to correct my information even after I sent them my documents, which is protected under the Fair Credit Reporting Act. I want them to close my account permanently so that nobody else can do this to me. They are perpetuating a crime against me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Settlement process and costs

Complaint: I am trying to stop the foreclosure of my home and have been working diligently with the Citizens Bank Home set for auction XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MS).
Issue: Problems when you are unable to pay

Complaint: I have a huge complant against this company ... .They allow delarship to sell cars that arent any good ... .i bought a XXXX BMW XXXX it has given me nothing but problems ... i spent over XXXX dollars getting the car fixed the first month of getting it ... the dealership refused to help pay and credit acceptance refused to credit my account for this ... since then within the lasts year over XXXX dollars have been spent fixing this car ... thats a WHOLE new car..my only resolution for this company is that im asking them to lower my pay off amount to XXXX to pay this vehicle off so i can be atleast see some of my omoney back ... i was unable to pay bills trying to get my car fixed being that i needed my car to get me back and forward to work.. i had to hustle other small jobs to help get this car fixed ... i do have copies of all the reciepts of how much was payed and credit acceptance refused to drop even XXXX dollars please hlep me with this ... this would help me sooooo much or we can settle we the past due amount im willing to do whatever to pay this car off this week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types. 
2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data. 
3. the name and job title and contact information of the individuals you contacted at the data furnisher. 
4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute. 

you have failed to provide valid information and method of verification and I ask that you delete these tradelines 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