milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I received a 0 % APR offer for 15 months on balance transfers with a 4 % transfer fee from XXXX, I took this offer to the XXXX branch of Fifth-Third bank and ask if they could match it. I stated I would rather deal with a bank with local branches that I also have a credit card from. The banker put in the request and I received the same offer, with checks, in the mail a week later from Fifth-Third. I went to use this check to transfer a balance from XXXX, the check was accepted on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the balance was reaccredited to the XXXX account with a bad check fee assessed. I went to the XXXX Fifth-Third Bank branch to question why the Balance transfer was not applied, I was told those checks were for a credit card that was issued in XXXX and never activated with my mother listed as a co-signer on the account. I had removed my mother as a co-signer on my credit card in XXXX when an old credit card got hacked and I had to get the Fifth-Third card re-issued. I asked the banker and her manager from the XXXX XXXX, over the phone, why I was receiving the balance transfer offer at my apartment for an inactive credit card from XXXX and why the check was accepted initially at XXXX. This is a very shady practice, I had to then confirm the this account was indeed closed and had to complain until the Fifth-Third banker called XXXX to get the bad check fee removed. I then asked for the same balance transfer, that the old inactive credit card from XXXX received, and was told only the marketing department could extend those offers. I then had the Fifth-Third banker call the marketing department and was told they have no control over this and was given the run around with no apology besides " that is how the business is run ''. This was both insensitive and rude. The manger then told me I could only receive the balance transfer offer if I open a NEW credit card, but would have to close my older account which has a much longer, 9+ years, of established credit history. I told them this was unacceptable and was reporting this to the XXXX and Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Medical) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Caine & Weiner is attempting to collect {$110.00} dollar debt for XXXX XXXX XXXX XXXX I do not owe. 

I paid XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$500.00} in cash for emergency services for my dog XXXX. 

XXXX XXXX XXXX failed to post at it 's location it did not have overnight stays or doctors to perform XXXX. 

I wasted valuable time, because XXXX XXXX XXXX failed too inform the public they do not have the capability to perform surgeries or have the service of overnight stays for wounded or hurt animals. 

I was overcharged by paying {$500.00} dollars for XXXX, medicine and XXXX taking no longer then 60 minutes. 

My dog XXXX passed away that night, because I wasted my time taking my pet to this animal facility. 

XXXX, would have lived if I would have taken him to a hospital that provided all the services at one location. 

XXXX XXXX XXXX over charged me for the partial services they rendered. XXXX XXXX XXXX gouges pet owners who face emergency situations and take advantage of unfortunate incidenst. 

I will be writing a negative review of XXXX XXXX XXXX to inform the public of what happened with my emergency visit. 

The public is safer taking there animals to a XXXX hospital that cares in saving pets lives and not just about the money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: A {$25.00} fee was charged to my account in XXXX. I called and it was reversed. It was charged again in XX/XX/2016. I spoke with XXXX and her supervisor XXXX. It seems the terms of this type of checking account have changed. I asked when and if I received written notification. I did not get any information. Again I asked that the {$25.00} fee be waived. I was told no. I changed to the core checking account. I feel that Bank America changed the terms and conditions of my account at some point and is misrepresenting the notification. Additionally they will not tell me when he terms changed and how I was notified. After 20 years I am disappointed.

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 01-03-2018 about Debt collection (Credit card debt) with Credit Corp Solutions Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX18 - received call from XXXX XXXX XXXX XXXX advising of past debt and stated they were pre-legal department and that if i did n't take care of the debt they were going to send to my states legal department. They continued to tell me this over and over and offered a lump payment to keep me out of legal trouble ... i declined and asvised them not to call me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Student loan (Non-federal student loan) with PNC Bank N.A. (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have had student loans through sallie mae sold multiple times and now handled by Navient. Have been out of college 15 years and still have a large balance. These should have been paid off by now. When I try to contact Navient i get nowhere. 
I want to know how to get a history on my repayment and why this is not close to being done. 
Thanks you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX2017. This was a {$800.00} loan. The annual percentage rate of 478.9907 % which I did not know about. Now I just received a email saying that my overdue balance is {$1300.00} I tried to pay in full at the beginning but was unable to because they were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Consumer Loan (Installment loan) with C/C Financial (TX).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX, I purchased a mattress and box springs from the XXXX XXXX in XXXX, Texas. They had signs all over the store saying " 90 days interest free. '' When I asked the salesman about it, he told me that they had several sources for loans with 90 days no interest. He submitted my application and told me I was approved. He printed out the contract with the loan company, Merchants Preferred. The contract was XXXX or XXXX pages long and I just had to initial XXXX page and sign the last page and the Sales Receipt. The price for the bed was {$490.00}. He told me several times that there would be no interest until the 90 days was up, and that at that time, if I had not paid the bed off, that the interest would be pretty high. He turned the pages quickly, as he commented on what a certain page was telling me, and I signed it. He also said, " Just because you are paying {$41.00} every 2 weeks does not mean it will be paid off at the end of the 90 days. '' I laughed and said, well I would n't think it would be. While I admit that I should have been more cautious, I feel like I was not given all the information in order to make a better decision. I was not given a copy of the contract either. When I called the lender to find out my exact pay-off in XXXX, I was told it was over {$400.00}. I could not believe it. I said, but I 've paid over {$200.00} on this bed already. According to my calculations, I would have owed {$290.00} on XXXX XXXX, XXXX. It was then that I told the representative from Merchant 's Preferred that the salesman never said anything to me about interest being charged during the 90 days. What she told me was that for the first 30 days, the interest is 5 % and then each 30 days it goes up. I think I was not given all the facts about the loan, and I feel like I have been taken advantage of. I am a single woman and live alone, and I do n't have this kind of money to throw away. Is there anything you can do to help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Vehicle loan or lease (Loan) with Integrity Solution Services, Inc. (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: A loan that I have for XXXX XXXX was transferred to Pinnacle Financial Group. I made a couple of payments via the web site provided. However, I never got a payment statement, a late payment notice or was shown a past due amount on the web site. So, I did not pay the note for a couple of months because I had know way of knowing if the web site was official, active or where my money was going. Needless to say, the principal amount was not being reduced by my payments. When someone finally made contact with me about my loan, I asked for a schedule to show how my payments were being applied because the principal remained the same. I found that even though this is a simple interest loan, my payments were being applied only to the interest with no principal reduction. This practice has continued as late as XX/XX/XXXX. It also happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will never pay this car off at this rate and they have continued this unfair practice of not applying my payments to the principal and interest correctly or to schedule.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been unable to work since 2008, and have applied for XXXX since I first learned of what was happening to me only to surprisingly learn that while my Federal student loans have all been forgiven ( mailed at the same times ), that my XXXX private loan does n't believe I used them for school ( that 's who they mailed the check to NOT me ), that my XXXX is stopping me from working, and the latest is that they ( Navient ) would gladly help me but never received the forms, and that my XXXX paperwork can not be found and to resubmit the forms ; which sounds reasonable if I had n't done so several times already when they were XXXX, and now I wonder who has my personal medical information, if they 're worth the strength and energy ( even thinking on things wears me out at times ; typing this I feel fatigued ) to gather what they ask for again, and if it too will vanish after I mail it to them. My minimum payments have increased {$50.00} to {$120.00} because they say I 've used up what deferments I was eligible for, again I 'm unable to work which they then just remind me of how missed payments will have to negatively affect my credit/be noted as defaulted and fall on my co-signer, my co-signer fell on hard times before my medical condition even ocured and I tried to pay to get them off when I was employed, working, and paying extra to ( when I took ill and depleted my income ) be told I did n't pay enough times for them to release her and now I see that my current deferment already has $ XXXX due in interest from less than 2 months of deferred payments that resume at the beginning of next month. I try to prioritize my bills, with a now limited income coming in and plan to pay what I can when I can, but it 's hard to get to their demanded monthly amounts. ANY help would be great, thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX has reported to my XXXX and XXXX credit reports a collection in the amount of {$20000.00}. There is no account number. I have never been contacted by this company by phone or mail. Please investigate this issue. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (HI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I previously opened  Barclay Card Gold Luxury Card  and   XXXX   XXXX   credit card products during   XXXX   XXXX   XXXX   As part of the beginning of my banking relationship with  Barclay Card , I chose to apply for servicemember benefits being offered. At the time, I was appreciative that  Barclay Card  was providing myself and other  XXXX   XXXX  servicemembers with benefits that exceeded what the Servicemembers Civil Relief Act requires. These benefits included, among other things, transaction and annual fee waivers and 0 % interest fees. When  Barclay Card  approved their benefits, they made it very clear through a letter mailed to my address that the benefits outlined would be afforded to me throughout the duration of my  XXXX   XXXX  service. There was no such language in this correspondence that indicated that the benefits being extended would be rescinded at any time prior to my separation from the military.     In  XXXX  of  XXXX ,  Barclay Card  delivered a letter to my residence stating that an annual fee waiver would no longer be extended to me, despite previous written correspondence to the contrary which indicated that an annual fee waiver would be provided for the duration of my time on  XXXX   XXXX . While I understand that  Barclay Card i s stating that I am not covered under the  XXXX  since I opened the card after entering  XXXX   XXXX , I disagree with that premise for the change in terms.  Barclay Card  offered the servicemember benefits in excess of what the  XXXX  required and to members who had already been on  XXXX   XXXX  service previously as a matter of company policy and not as a result of being compelled to do so under the  XXXX . While I understand that company policies change according to the prerogative of the company,  Barclay Card  should have considered the verbiage of correspondence to customers prior to the policy change in determining how it would proceed with customers covered under prior policy. It seems that the termination of benefits offered to servicemembers under the previous company policy is in bad faith after review of the correspondence from  Barclay Card  and the associated policies, both past and present.

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 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Consulting Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I rented a XXXX ' unit from an XXXX, CA, storage place to store science education materials for nonprofit classes. The company added an unexplained {$140.00} fee when I was moving out. I made it clear I would n't pay it without a good explanation. They provided a list of payments but there was none missed except for an alleged XXXX from a past rate increase 6 months earlier that I pointed out had arrived too late for the required 30 days ahead. They admitted in an email the rate increase was mailed out only 2 days ahead of the required 30 days. It can often take more than 3 days for mail. I documented by video they said this {$13.00} was not important but it is not clear if this is relevant. But now they 've reported this unexplained XXXX to a collection agency who claims it contacts all the major credit reference companies. I 'm not sure what to do about this " snake in the grass '' company. A few months after they bought the company about 2 years ago, they emailed me while I was out of state on vacation that my locker had been broken into and emptied, but later when I asked them to review video tapes they admitted it was a mistake.

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I HAVE ASKED XXXX ACCT # XXXX TO HAVE ME REMOVE OFF THE ACCT AND CREDIT REPORT : XXXX XXXX SS # XXXX XX/XX/XXXX WHAT IS THE PROBLEM?

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 12/30/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: had a withdrawal of XXXX on my amex serve card at a place Ive never been, I sent in what they asked twiced I have a paper trail of this happen in my phone, they were rude and closed my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Payday loan, title loan, or personal loan (Title loan) with TD BANK US HOLDING COMPANY (DC).
Issue: Problem with the payoff process at the end of the loan

Complaint: Hello, I have been requesting TD Autofinance to send a copy of my vehicle title to the XXXX XXXX so that I can register my car in XXXX XXXX and they have failed to do so. I have followed the instructions provided by the XXXX, including trying to send the request form by fax and by mail ( multiple times ). I have also spoken with representatives over the past several months to resolve this and TD Autofinance has still not sent the copy of the title to XXXX. I really need to register my car in XXXX and need to have this paperwork done. This has been on-going for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TN).
Issue: Managing the loan or lease

Complaint: I was sold a lemon. Battery keeps getting killed off. XXXX will not fix the issue claiming I do not drive the car enough. There is a more serious problem going on. This in addition to fuel system pressure issues caused by faulty design of gas flapper. Even carmax corporate is giving me XXXX and refuses to deal with the situation. Not to mention the car to loan value is XXXX. USED cars are being sold for more than they are worth, and multiple tv ads all seem to claim that this process is normal and that this is a average car price. BlueBook clearly indicates that this is fraud.Consumers are not made aware of blue book prices on these vehicles when making purchase.Additionally I am being consequented for being on XXXX and getting paid around the XXXX, not when they want to get paid.This is also common practice with XXXX and XXXX. Lender complains when they get paid after I do, and not before when funds are simply not available.

Company response to consumer: Closed with explanation