milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. 

I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. 

I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. 

I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit card () with U.S. BANCORP (IL).
Issue: Billing disputes

Complaint: I made a payment but when I asked the representative what the past due was she told m, I was told I had the XX/XX/XXXX payment but I actually had XX/XX/XXXX and XX/XX/XXXX {$240.00} but it {$400.00}. I talked to a supervisor about and he did waive XXXX late fees for me but now I have XXXX credit marks with Elan Financial, I advised the supervisor that I am dealing with fraud, someone emptied my checking account and I am waiting for the bank to put all of that money back, I keep getting asked why the account even though I talked to the supervisor and he states he would note the account. One of the reps lied and said I did not want to make a payment but I advised I was at work and just needed to change the date on my payment. She kept asking about other payment arrangements. I advised I was at work at twice and I did not wish to bring any personal issues at work. I want the credit marks removed and to be put on a pay plan. I am dealing with fraud but Elan did this to me before and I should have the credit marks removed due to misinformation that was given about my payment. This is not my fault and the rep should have given the rght information or ask someone if she was not sure because I clearly asked what was owed,

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 06/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have filed a recent CFPB complaint on Bank of America, I had my card reported to Bank of America as being lost and certain transactions I never did and nobody ever handled my issue and I was transferred constantly to department to department and I was ignored about my situation, I reported to several people and nothing resolved and my card was lost and I spoke to customer service and card services about it nothing done and I found the hard when my account was closed and nothing was sent to my house to inform me that the account was closed I just recently had a woman from the compliance department call me an antagonized me on the phone and called me a liar I 'm going to file complaints with other agencies about this situation when I tried to explain what happen I was called a liar and said I made transactions in when I told her I did n't she admittedly went off on me and sent a correspondence to cfpb which I want a supervisor to give me a call because Bank of America did not resolve my situation I do n't appreciate how I was treated I will other complaints this tells I ca n't trust Bank of America do to the fact of how my situation was ignored and how it was handled by the rep which when I ask to speak to a supervisor I was hung up on I 'm very frustrated and angry because I reported what happened to me and nothing was done but I was accused by the rep that called and did not listen and did not care I want a supervisor call me or I will get in touch with corporate to file a complaint against the rep

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 11-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX, I was sent a credit card statement from Macys American Express that said {$300.00} was due. Upon further investigation, I found that a series of daily {$25.00} charges were made and added up to a total of {$300.00}. I called Macy 's American Express to tell them of these fraudulent charges. The company did not remove these charges and told me that I would have to send them complete a form stating to confirm that these were indeed fraudulent charges. I received the first form, which I completed and sent back. However, I received another form stating that they did n't receive the first. I sent the second form to them. I did not hear from them and assumed that they had taken care of the problem. On XXXX XXXX, I called to confirm and was told that due to my lack of response, the fraud claim was closed even though no one called me to tell me or wrote me to tell me. I discussed this with the manager and they told me that the forms were not received due to a systems update. I asked for a form to be sent and was told I would receive it within 10 business days. I checked every day and finally called after the XXXX business day only to be told that due to the systems update, forms were delayed in being sent out to me. I have called again XXXX more times only to be told to wait for these forms. In the meantime, my {$300.00} are accruing financial charges and interest fees. I would like to have Macys American Express stop giving me the run around for 4 months and just take care of these charges as I am not liable. From what they tell me, it appears that these were online transactions due to my credit card number being stolen. The card in question is still in my possession. From all my interactions with other credit card companies, they remove the charges right away. I do not understand why it has taken so long for them to do so despite my diligence in responding to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase & XXXX has different information regarding this charge off. This account was closed twice once in XX/XX/XXXXand XX/XX/XXXX according to XXXX. Chase only has record of it being closed once. I'm not sure if they both have the same charge off date but XXXX  reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: My wife had added me as an " authorized user '' on XXXX department store credit cards. Unfortunately, she lost her job and subsequently had to file bankruptcy. The department store 's credit card company started hounding me to make the payments. I explained to them that I was not the account holder but just an authorized user. They continued to hound me so I asked for proof where I had signed an agreement to pay the credit card bills. Of course, their reply was that there was no proof where I had signed such an agreement. I then asked them to stop writing or calling me but they continue to do so. What can I do to stop this harassment? They have also reported this to the credit bureau which has ruined my credit.

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 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I started this loan in XXXX of 2005 and started paying the interest. on a XXXX loan. I have paid XXXX not including fees. I have a 6.5 % interest rate and I still owe XXXX. They claim interest is accrued daily and wo n't explain what that means. I have paid more than double the amount with fees easily But they only apply to the interest not bring down the principal thus then charging me interest on my interest daily and never working down on the principal. They wo n't let me release my co signer and they wo n't let me consolidate it into my fed loans. I have written my congressman and because its a private loan they ca n't touch it. They also call non stop and wo n't stop. They also have ruined my credit and my mothers credit who is a co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXXEquifax A XX/XX/XXXX {$15000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF {$0.00} THIS ACCT. WAS NOT A CHARGE-OFF, THIS ACCT. WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX. PLEASE CORRECT ACCORDINGLY ... THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar was negotiating a HAFA short sale with us. We received a full price offer and were waiting on XXXX tasks to complete as well as their investor approval. Nationstar failed to request the trustee sale postponement and it went to foreclosure without our knowledge last month. We are STILL processing a short sale with them even today! Agents will lose their commission after working for 4 months on this file, sellers lose relocation funds, buyers lose their new home! This should have NEVER gone to foreclosure!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Struggling to pay mortgage

Complaint: Lender improperly moved for foreclosure judgment or sale before   one of the following occurred : ( i ) the institution notified the borrower that it had denied the loss mitigation application for any loss mitigation o and if an appeal is available, either the appeal period had expired or the appeal had denied ; ( ii ) the borrower rejected all the offered loss mitigation options ; or ( iii ) the borrower fails to perform under a loss mitigation agreement ( 12 CFR 1024.41 ( g ) ).
Currently in review for modification and citing " dual tracking ''.

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 09-02-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: my XXXX sister XXXXXX/XX/XXXX, with a reverse mortgage.i promised her that i would take of the funeral exspenses and etc. i notified the mortgage co. and other envolved parties of her death.we were told that her real property would go back to the mortgage co. it has been over 4 years since my sisters XXXX, and the property is still vacant. now the mortgage co. is threatning to sue me to payoff the loan balance.i have no connection with her property or her mortgage

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 EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost the credit report information of approximately 143 million US citizens. This breach occurred in " mid-XX/XX/XXXX ''. Equifax only learned of the breach on " XX/XX/XXXX of this year ''. Furthermore, the public was only notified of this breach on " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. '' This is problem of the most extreme magnitude and highlights several key points : 1. Equifax does not have a grasp of the key components required in maintaining secret financial data. 
2. It required several months ( from XX/XX/XXXX) to even become aware of any issue in their systems. 
3. Even after discovering the breach Equifax took another 5 weeks to notify the public of their problems. 

Equifax has demonstrated it is not capable of the required technical rigor which is a necessity to maintain my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance, '' becomes negative. That is, the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance, and are usurious to say the least. Suntrust will not refund any overdraft fees, and acknowledged that the fees were assessed even though the account was only overdrawn 1 time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX. XXXX XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As a Class Member of the XXXX XXXX XXXX Data Breach, I assert that this debt is likely caused by an Act of Personal Identity Theft by an unknown perpetrator.

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 02/26/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I disputed a charge with a merchant that sold me counterfeit and defective goods. Chase instructed me to contact XXXX to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted XXXX and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. That was explicitly what I was told via online communication with a XXXX representative. I even reported it to their counterfeit department per XXXX 's instructions. It makes no sense that Chase would side with the merchant when both XXXX and I am saying that the product is not real AND is defective. Throughout all of this, the merchant has not responded to requests for refund.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I had a sick pet XXXX at the XXXX animal hospital in XXXX XXXX. The XXXX suggested I could pay for the procedure with Care Credit 18 month interest free. Having no money for the procedure it sounded like my only option at the time so I signed up. I set up my payment plan and started making monthly payments. I continued to pay on a monthly basis and thought I would be paid off by the time interest would start to accrue and it would be minimal at the end of 18 months. In the mean time follow up visits to the vet were necessary and paid for on care credit. I continued to pay monthly payments for roughly 3 years. My statements were electronic and I set up automatic withdrawal from my bank account. Thinking I was close to paying off my debt I went on to the care credit website and intended to pay the remaining balance in full. I was shocked. I now owed more than my original balance. I owed even more than my entire credit limit with them. The customer website was no help. I can log in, make a payment, and see my balance, however it is unclear what I am actually paying for and there is no history of my original transactions. I found it odd that the account history was not available save that I made my regular payments for the last few months. I contacted customer service and they explained that I owed them all the interest at 26.99 % as it was n't interest free, it was actually deferred for the 18 month promotional period. This was never explained to me when I agreed to use this credit line. I asked what I could do about deferring the interest and paying my remaining balance. Customer service told me I could resolve this and settle my account by paying my balance in full including the 26.99 % interest. Upon inquiring what other options were available I was told I could go into default, which would adversely affect my credit. Pay them or ruin my credit. I then requested a paper copy of my account history, which I now have. After researching if this has happened to anyone else I came across this article on the XXXX website : XXXX XXXX This is what happened to me. I am willing to pay what I owe on the terms I agreed to. Not what I unknowingly and unwittingly agreed to. I believe I was deceived by GE Capital and Care Credit and have been taken advantage of. My debt has been more than paid in full and at this point I am just paying interest on a balance consisting of interest. GE has made enough off money of my misfortune.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I own a fully paid for timeshare unit at XXXX XXXX XXXX in XXXX XXXX XXXX. I was late paying the annual maintenance fee for 2016 ( the last day for payment was XXXX/XXXX/2016 ). The account was assigned to Pinnacle Recovery for collection. I paid the timeshare management company ( original creditor ) the 2016 maintenance fee plus interest and the original creditor 's late fee in XXXX 2016 directly by check. The check was cashed. Pinnacle Recovery is continuing to call and send me letters for an additional $ XXXX dollars ( which appears to be their service fee above and beyond the original debt ). Since I live in XXXX, the original creditor is in XXXX and the timeshare is in the XXXX, I am not sure which state law I am subject to regarding my obligation, if any, to pay the collection agency 's fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Allied Collection Services, Inc. (Nevada) (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Allied Collection services was representing for XXXX XXXX and made an agreement with me for a pay to delete. The account was paid in full and still remains to show as a PAID closed account in collections on my XXXX credit 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 07/14/2015 about Credit reporting () with OPTIMUM OUTCOMES, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation