milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I am a XXXX of XXXX years old. I applied for a loan on line and was granted a {$1000.00} loan. I signed the papers and loan documents but did not realize that they would charge me {$500.00} per month for a total of {$8000.00} ( for a {$1000.00} ) loan. I was and am totally confused and want to pay back the original amount and stop this predatory lending ... ... ... ... ..I put a stop payment on any check ( ACH ) that would be submitted by them. I was taken advantage of in the most predatory way and actually forgot I applied for the loan. 

The name of the company is called " Big Picture Loan '' and the phone number is XXXX XXXX XXXX The loan was taken out XX/XX/XXXX/XX/XX/2016. They called me and told me I had to pay them {$500.00} and a total of {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email, spoke to XXXX XXXX same day & she explained that a payment showed returned, because the account was not found, it then made me realize perhaps it was an old inactive account still showing in history, so I said ok, it was probably an error that account was used, and she agreed too and waived return fee, also I paid through the phone with XXXX, so we could restore the account in good positive status. Next day found out my account had been closed, I called customer service again mentioned only the night before spoke to XXXX XXXX, she did n't tell me anything about the account being closed or going to that status, and infact saw everything fine from her end. I was advised today that in order to open the account they need to do another credit inquiry, I do n't feel this is fair at all given I made all and any attempts to resolve as per the direction of Citi banks email to contact customer service. I resolved things from my end, paid the balances owed from my debit card on the phone and still the account went to closed. I am worried this will affect my credit score, as they will now report the account closed, and also worried that by re-opening the account they need to do another credit inquiry which is not necessary. They are saying to me there is no other way, but asked me to write to the president of citi bank for him to review my request, I will send the letter XXXX in the mail but need help also from an agency like your 's to please review my case, this is not the right way for credit card companies to take advantage of customers. I did everything in my power to call the customer service and resolve things from my end immediately, they should n't have closed my account when I made a payment through customer service that went through just the night before. This has put a very concerning view on Citi Bank 's practices especially since I have been with them for 4 years and currently even have another credit card with them in good standing and active status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving multiple calls a day on my home phone as well as on my cell phone, from morning to evening, from representatives of U.S.A.A. concerning an outstanding credit card debt of mines. The frequency of the calls has now become harassment. I started receiving frequent calls from this company months ago, I spoke with a representative from the company about my debt and explained that I was experiencing a financial hardship and would be making a small payment at that time, and that I would pay more on the debt as I was able to do so. I followed through with my promise to pay, but this did not stop the calls, within this last month I have been receiving multiple calls every three days  ... non stop ( morning to night ). Even after making payments, the calls still keep coming. Two weeks ago I made a substantial payment and I made another substantial payment on Friday, XX/XX/XXXX. However, Monday morning, XX/XX/XXXX, I received another call from U.S.A.A. requesting another payment, and each time that I do speak with a representative from U.S.A.A. I feel as though I am being integrated about why I am unable to pay, as well as pressured and coerced into making a payment. I expressed to the representative that I had just spoken with someone concerning this matter three days ago and that I had spoke to several representative prior to that time, and that my situation had not changed within the past three days. The representative then told me that it is their policy at U.S.A.A. to call the consumer every three days to collect on the debt. On Monday, XX/XX/XXXX the U.S.A.A. representative even went as far as to ask me ... Why I could no longer make consistent payments? If I received unemployment? If I could borrow the money from a family member, when I explained to her that I was currently out of work. And she then followed up by telling me that if she was unemployed what she would do in order to make the payment, which I found to be very discourteous, offensive, humiliating and insulting. I then told her that I would make a payment on this coming Friday, XX/XX/XXXX for the entire amount, just to end the phone conversation because I was so upset at this point. Today, XX/XX/XXXX like, as promised by the representative on XXXX XXXX, I received another call from a U.S.A.A. representative concerning the same debt, who once again began to harass me and pressure me into paying, even after I stated to the representative on XXXX XXXX that I would be making the payment in full on XX/XX/XXXX. I have since borrowed the money as instructed by the representative on XXXX XXXX and I will be making the payment in full on XX/XX/XXXX if everything goes as planned. But meanwhile, I want the harassment to stop and I wish for all communication with U.S.A.A. to be by letter form only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (IL).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: I contacted Citi Prepaid cards regaining an expired prepaid card I received. Citi is  claiming that since the card is expired the funds are no longer valid and citing terms and conditions that are different than the terms and conditions I received with the card.

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 06-08-2017 about Debt collection (Other debt) with TCF NATIONAL BANK (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with TCF bank, the acct closed out and after closing I did owe them {$99.00}. There was a payment made to TCF bank, but now they are reporting to my credit report as a collection. I am in the process of purchasing a home and now this comes out of nowhere, I thought once I paid them I was completely done with this company ... This bank and their collection has caused my score to completely drop horribly even after they were paid their {$99.00} now they are asking for more ... I want this company to remove this acct from my credit report, its unfortunate that they do not keep accurate records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017 Flagship Credit Acceptance made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

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 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Line of Credit was discharged in bankruptcy. 

IndyMac Bank ( now owned by OneWest ) did not and will not remove a lien they have on our home despite the fact that they themselves acknowledge that the debt has been discharged, there is no account for the collection of the debt, and they have reported to the IRS that the debt was cancelled. 

( Letter and XXXX from IndyMac are attached. ) Beginning in XXXX 2014, despite numerous attempts by us and by XXXX attorneys whose assistance we sought to resolve this, IndyMac and now OneWest are unresponsive. 

We can not refinance or sell our house because of the lien. This is causing a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: Dear CFPB, I am writing to you in regards to my credit card. My card was compromised and someone purchased {$670.00} worth of merchandise from XXXX. Therefore, the credit card company took these charges off of my card. Then, apparently the merchant repaid the charges, and the credit card company put the XXXX charges back on my account. They say I was re-embursed twice. I 'm not understanding how. All I do understand is that I 'm paying for {$670.00} that I did not purchase. I hope you can figure this out and help me. Thank you for your time. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: Citibank closed my credit card account without warning or notification. They say its because I filed bankruptcy but I have told them several times I have NEVER filed bankruptcy in my life and it is a mistake. They said it would take XXXX5 business days to investigate. After 6 business days, I called and was advised to wait another XXXX5 business days. I use this account everyday and I travel frequently and this is causing a hardship. I want my account reinstated immediately due to Citibank 's 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 non-monetary relief
Consumer complaint received 10/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Convenience checks

Complaint: Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Debt collection (Mortgage) with Seterus, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX the debt was discharged in XX/XX/XXXX and sold to a different bank. the original owner of the debt was XXXX they sold this debt to seterus and they collecting and misrepresenting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have 4 lays payments from student loans, but they mistakenly did n't see that I was still in school, and thus can not be billed yet. I called them and got it fixed, and faxed them my credit Reports and they said they would take them off my report because they were indeed wrong to report that. This was months and months ago and they have n't done anything so I 'm disputing here now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I Inquired about a refinance of my home with Quicken loans. I was told my interest rate would be 3.5 % and my closing costs would be {$2500.00}. I received in the US mail documents for me to sign showing that my loan costs were over {$4900.00}. I was asked to give a {$500.00} Depost for the apprasial. I have had no apprasial done as of yet and I have cancelled my loan with Quicken. I want my deposit back as I was mislead about the amount of closing costs. I originally spoke with XXXX XXXX # XXXX. I feel he lied to me to get a {$500.00} deposit. He also told me the {$500.00} would be deducted fromy closing costs. The paperwork does not reflect my deposit. I feel scammed. Now that I want out of this loan, nobody is communicating with me regarding this matter. Quicken Loans operates a scam to get people to pay {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Shellpoint and their foreclosure attorney  XXXX   XXXX  are in violation of CA law CAHBOR which prohibits dual tracking. CAHBOR specifically states a foreclosure process may not continue when a work out is being considered. This is an approved short sale and  Shellpoint shows a foreclosure sale date. This is illegal and this activity must CEASE and DESIST. Shellpoint tries to state that the sale date is on hold however that is not in compliance with CA law. The law specifically states the foreclosure process may  not continue. Putting something on hold means you are still continuing with the process. To be complaint there can be NO SALE DATE showing WHATSOEVER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I opened an account online with a promo code that promised {$300.00} incentive with first deposit of {$500.00} or more. My account was blocked and even after I submitted the required info my account was still not unblocked. Very unhappy with Key bank processes.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2016, XXXX notified Bank of America, my credit card issuer, that my account was compromised. It took 6 days until XXXX XXXX, 2016, for Bank of America to notify me. I asked where and when the compromise took place. Bank of America refused to provide me with that information. I asked why it took 6 days for Bank of America to notify me of the compromise. Bank of America refused to provide me with that information.

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 08/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problems caused by my funds being low

Complaint: Hello, On XXXX XXXX, I noticed an overdraft fee of {$35.00} on my account ending in XXXX. The male representative ( I did not get his name ) told me that the overdraft fees of {$35.00} were being reversed since the account had overdraft protection. He said they were going to be taken care of, and to be patient. No further action was taken. 
On XXXX XXXX, I noticed another fee on the account, this time it was an extended overdraft fee of {$35.00}. This was due to the fact that the overdraft fee from XXXX XXXX was never reversed, even though the customer service representative stated it was to be done. 
On XXXX XXXX, I called and spoke with a customer service representative who would not reverse the charges, I escalated the call to a supervisor by the name of XXXX. After explaining my situation several times, XXXX repeated how overdraft protection works, and there was nothing she could do. I told XXXX that this was not a matter of how overdraft protection worked, but being accountable for the customer service representative. XXXX apologized, and stated the individual did not represent Bank of America. I inquired, " Are n't representatives of the company representing the company. '' I also asked if the call to be pulled several times. She evaded my questions, ignored me, and said there was nothing she could do. 
I then, asked to speak with someone higher than XXXX if she was n't able to do anything for me. XXXX told me she would get my number and have someone call me back. After a very long silence, a woman by the name of XXXX came on the phone and asked me, " What was going on? '' I explained my situation yet again. I had to say my story over again. XXXX said, there was nothing she could do. I asked if she could just reverse XXXX of the overdraft fees since I was given the wrong information. I had XXXX {$35.00} overdraft fees, totaling {$70.00}. She flat out said no. I asked if she could listen to the call recording, and call me back. I hung up.

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 10-05-2016 about Consumer Loan (Installment loan) with Atlantic Credit & Finance, Inc. (MA).
Issue: Problems when you are unable to pay

Complaint: Dear Consumer Financial Protection, I went to a XXXX office in XXXX ... my XXXX. The XXXX office applied for a loan out of XXXX XXXX ... for {$1000.00}, to XXXX and make XXXX. I agreed in good faith to the loan ... I had no other way of repairing my XXXX. I am living with a fixed income and I did not have insurance. 

I had my XXXX. During the XXXX, I thought they were going to make me have a XXXX XXXX ... I was upside down in the chair as the XXXX 

XXXX. XXXX. XXXX. 

I contacted XXXX and explained why I could not pay ... XXXX. 

XXXX 

The collection agency is bringing me to court on XXXX/XXXX/2016 ... what recourse do I have?? 

It appears as consumers for XXXX health we are being taken advantage of with the high cost of XXXX care combined with those XXXX places who do not provide quality care and as a consumer, XXXX. 

Current collection activities ... XXXX and XXXX Atlantic Credit and Finance Special Finance Unit, LLC File number # XXXX XXXX XXXX, MA XXXX Stating amount owed as {$1300.00} plus {$50.00} court costs ... adding insult to injury! I am indigent! 


Court hearing ... XXXX/XXXX/2016 XXXX District Court Court Docket number ... XXXX XXXX MA XXXX Thank you for your attention to this matter. 
XXXX XXXX XXXX

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.

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