milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose prepaid card) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I have concerns that Whitney Hancock Bank is conducting promotions that they are not intending to comply with - they are forcing the customer to " fight '' to obtain what was promised. 

Company promised in advertising that if you met deposit requirements you would receive {$100.00} prepaid debit card. 
XXXX @ XXXX am - Called and spoke to XXXX in Louisiana call center - he stated I met all the requirements. Card would be mailed after XXXX XXXX. 
XXXX - No card received. 
XXXX @ XXXX pm - Called and spoke with XXXX ( sp ) and she said card would not be mailed now - I asked for a manager. XXXX had another person come on the phone who said it would be mailed in XXXX. I asked for a copy of the promo advertisement because the advertisement I have said XXXX XXXX. He said he would obtain it and also asked for my cell phone to call me back. I provided my cell phone. No one has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Making/receiving payments, sending money

Complaint: On XXXX, I scheduled XXXX transfers from my accounts at other banks. I received a voice mail to call money movement at XXXX. I called and Chase rep made a conference call with XXXX XXXX ( the other bank ) to verify funds. Chase verified everything and no other transfers required verification. But, this second transfer was rejected because someone did not follow thru. 
While I have received good to great service from other departments at Chase but not from XXXX XXXX XXXX XXXX. 
I would like to know why this transfer was rejected after confirming that no other verification is required for other transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Payday loan) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was contacted at work after receiving a phone call to my staff and had the call transferred to me regarding a debt. They also threatened legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with Allied Interstate LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company is calling me in an attempt to reach my brother. I do not have any debts myself that they are trying to collect. 

Several weeks ago, I answered one of their calls ( after they kept trying repeatedly ), and I told them I had no information for them, and that I didn't have a better way for them to contact my brother. I asked them to stop calling me at any of my phone numbers, as I would be of no help to them. 

They have since attempted to call me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I'm guessing they will try again today, XX/XX/XXXX ). In short, they're harassing me about a debt that I do not owe in an attempt to reach one of my relatives when they've already been told that I have no additional contact information for him.

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 07-07-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: USAA BANK WILL HOLD MY DEPOSIT UNTIL AFTER NSF FEES HIT MY ACCOUNT ; THEN THEY WILL DEPOSIT MY FUNDS. I BELIEVE THEY ARE DOING SOME DECEPTIVE PRACTICES WITH NSF 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 09/13/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: I would like to lodge a complaint against Synchrony bank. They are reporting a wrong and fraudulent information to credit bureau agencies. Since, XXXX XXXX, I have been in contact with this bank who promised that this information will be deleted. However, when I received my credit information, they put a negative {$300.00} from XXXX account to my credit report. I notified them that my car was broken into and all of my personal and SS number was stolen back in XXXX. I kept sending correspondence to this bank that this account was charged fraudulently and it should be removed. To to their omission, my refinancing loan is not going forward and I am paying a higher interest until this issue is resolved.

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 11/30/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Billing disputes

Complaint: Filed a dispute for charge of XXXX to my account. Company did not send product. 
Was told by USAA customer rep the company had sixty days to dispute my claim. If they received no dispute from the company the charge would be permanently removed. 
After filing the complaint the company sent me the product. 
I contacted USAA and told them it would be fine to keep the charge of XXXX on my accountWas told by USAA customer rep that the company had to dispute the claim. 
So I called the company and told them they had to call USAA and dispute the claim. 
Was told by their customer rep they did not know how to handle it and never received anything from USAA disputing the charge. 
I then called USAA AGAIN and talked to a customer rep who told me he could just removed the transaction and I could then send the company a check for XXXX. 
I agreed. 
I received a letter from USAA stating the transaction was removed. 
I sent the company a check for XXXX by priority mail and tracking number. The company received the check. 
I then received a second letter from USAA stating the charge was removed from my account and no further action was required on my part. 
A few days later I checked my account with USAA on line and discovered the charge of XXXX was again placed on my account. 
I called USAA AGAIN and spoke with another customer rep. He did not have any answer as to why the charge was again put on my account. He gave me a song and dance routine that stunk. I received XXXX letters from USAA stating the XXXX was removed. And sent the company a check for XXXX. Now the company will receive XXXX twice. Once from my check and the other from USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: BANK OF AMERICA XXXX - The balance on this account should be reporting as ZERO! On my credit file, they are reporting inaccurate information regards to this account. I 've attached proof of the Cancellation of Debt as well as my tax filing paperwork. I 've sent demand letters to Bank of America and have yet to receive any response. This error is preventing me from getting the credit I deserve. Correct the error immediately or delete this account off my credit file!!

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 12-10-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I purchased a washing machine from Sears. When I received the first statement it was advertised that if I opt for a " paper-free statement '' I will get {$5.00} statement credit. O made that selection through the Sears credit card website but did not receive any credit. I called the Sears credit on XX/XX/XXXX and talked to operator by name XXXX who said that the credit would appear after XX/XX/XXXX. I printed my statement from the website yesterday, XX/XX/XXXX and there was no any 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 monetary relief
Consumer complaint received 08/18/2016 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Credit Acceptance sold a 19 year old debt to XXXX XXXX XXXX, XXXX in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX County under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost 20years old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my anxiety has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Per XXXX XXXX they were unable to pull out my information with my name social security number date of birth they may be fishing for some information and they reported to account one for {$300.00} and one for XXXX and they need to be removed because they were able to prove elevation or locate the account seems like it 's fraudulent

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 09/13/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The way the loan is now being reported has caused a significant drop in my credit score. The amount that I am now showing shows that I have over utilized my extended credit when I have been making timely payments. XX/XX/XXXX, XXXX XXXX raised my credit limit. XX/XX/XXXX, they lowered it. I can not get an answer from them for the " new '' reporting guidelines. HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: The company that is now servicing our loan:1 ) modified our interest rate early : we had a modification that was suppose to run through XX/XX/XXXX payment, they modified our interest rate early, XXXX 's payment, and screwed up our payment amount. 
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 
4 ) Now they are trying to add an escrow account, even though it clearing states in our loan that there is to be NO escrow account and that we will be paying both the taxes and the insurance. Which we have done for the past XXXX years without fail. 
5 ) we asked for a loan modification in XX/XX/XXXX, we have not heard back from them, other then to send us endless form letters that say nothing. When I call I am told that I can not speak to that department because they do n't have a customer service line, when I ask if they can have them call I am told that all the person I am talking to can do is send a message to the other department and ask them to contact me. When I pointed out that they have never called me back from any of the XXXX phone calls I have made they tell me sorry, all they can do is send a message, even when I ask to speak to a supervisor I am told that all the supervisor can do is send a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: EQUIFAX will not give me my so-called free credit report. They exposed me to identity theft and now block me from seeing the data they have collected me without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with LEXISNEXIS (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am continuing to have problems in getting a public record removed from my experian file with XXXX XXXX Clerk XXXX. XXXX continues to claim that they are verifying the Judgement through Lexis Nexis even after I received confirmation fro Lexis Nexis on XXXX XXXX that the Judgement was removed.Please find letter attached. I need lexis nexis to contact XXXX and send them an update of the judgement being removed from my lexis nexis risk file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: there is an unauthorized transaction in my Paypal Credit XXXX x repeat transaction I disputed this to Paypal they investigate it was made through Paypal account through eBay. I called eBay too to report the person who said I sent money to him for XXXX in one day that is fraud I NEVER NEVER purchase nor pay a person with out an item in return. eBay must also check the credibility of their members hope they will make action to this wrong doing. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home with no down payment - XXXX in 2006I was making the mortgage payment for XXXX months. 
Then, i lost my job and fell behind on the mortgage. 
I called them several time and i was offered a program to help me save my home. 
Again, I fell behind. Then Bank America began to harass me ... I do n't understand why they called me until .... i was told that they purchase XXXX. Again i was offered a new payment plan. I was not working and could not afford it .... Then a few other banks called me - i had a XXXX mortgage too ... .. XXXX, XXXX, ,XXXX, XXXX , XXXX AND XXXX .... This was very confusing to me so i took XXXX to court. They agreed to present the original note and show they are the current mortgage bank ... PLEASE HELP MY FAMILY AND SAVE OUR HOME ... ... ... ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a Deed in Leiu from them since XXXX 2015. They keep sending me the same paperwork to fill out and nothing gets done. Every few weeks they send me a letter telling me I have a new account rep and the process starts over. I have had XXXX different people tell me they were sending the Deed in Leiu form for me to sign the property back over to them but they paperwork as never arrived and the new accout rep does n't see notes from all the people I have talked to before. The loan was forgiven in my bankruptcy but they are just giving me the run around and constantly harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CT).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to short sell my property located @ XXXX XXXX XXXX XXXX, CT XXXX since XX/XX/XXXX In that period of time, we received an offer on XX/XX/XXXX that was terminated on XX/XX/XXXX by the buyer. Then we received a second offer on XX/XX/XXXX that was terminated on XX/XX/XXXX, and the last offer was received on XX/XX/XXXX and both the buyer and sellers are still waiting for a response from US BANK. Throughout this lengthy and stressful process, my REALTOR, XXXX XXXX was promptly and diligently communicating with XXXX XXXX XXXX from US BANK institution but XXXX XXXX stopped communicating on or around XX/XX/XXXXof this year. At one point, I was offered a loan modification while US BANK was aware of my intentions to sell, not modify. I am requesting that my file gets reviewed as I feel that US BANK failed to communicate with me in a timely fashion of any decision. Also, I only received a copy of one appraisal when in fact, the house has been appraised at least 3 times during this process. I need a copy of all the appraisals. On a curious note, 2 out of the 3 offers that we have presented to US BANK are for more than what the property was appraised. Also, I need to know why the offers on the property have been rejected or not even been looked at.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I am filing a complaing against the credit bureau Equifax based on the recent security incident that was reported on XXXX XXXX 2017, yet occurred months earlier in XX/XX/XXXX.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Student loan (Private student loan) with Social Finance, Inc. (PA).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: I applied for a medical school student refinancing loan from SoFi in XXXX of 2017. I submitted all appropriate forms and paperwork related to my public and private student loans through their online portal. However, they had significant difficulty 'validating ' the private loan. Over FOUR MONTHS I was asked repeatedly to upload promissory notes, proof of loan educational status, and other correspondences with my private bank loan, each time finding a new form or reason to delay the process. Because of these delays, I had to upload work pay stubs, interest statements and proof of employment MULTIPLE TIMES because a prior example would 'expire '. Additionally I was subjected to MULTIPLE HARD CREDIT PULLS because of the delays. As over four months of acquiring sensitive, personal financial information has yielded continuous roadblocks, I can only assume their business practices are ultimately fraudulent and designed to acquire this information for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Medical debt) with American Collections Enterprise, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX XXXX/XXXX. Each yr when visiting the office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to the a collection agency in XX/XX/XXXXI contacted XXXX, explained the situation, and completed a complaint form. I advised that XXXX XXXX ' office never advised me that they did not participate in XXXX XXXX as indicated on my ID card. The office has turned my account over to 2 different collections agencies for 2 different amounts. American collections XXXX XXXX XXXX, XXXX, VA ( XXXX ) .for {$83.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN ( XXXX ) for {$99.00}.

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