milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: complaint is the exact same thing as my original complaint # XXXX and complaint # 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 explanation
Consumer complaint received 04/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: According to the card and what I was told on the phone I have had this card since XX/XX/XXXX ( but I had card of pre-merger company before then ). The card does not expire until XX/XX/XXXX. I buy gasoline on the card intermittetently, and I made my last scheduled payment for the full amount on XX/XX/XXXX via their electronic portal. I received a letter dated XX/XX/XXXX stating that my account was now closed. I spoke with different agents and got different explanations. I don't think I have ever been delinquent on this card and pay according to terms and within the period so that interest is not charged. In the past they have reduced my credit limit, and that is ok with me because I don't want too much available credit to affect my credit score. I was told I could re-apply, but just the closing of my account by the company has already reduced my credit score.The last bill was for {$970.00} ( I think I had a credit for having paid too much before ). They no longer send paper billa and have neglected to e-mail me that I owe a balance, but nonetheless I have kept my account current. 
I berlieve that the company has made the following violation : ( b ) Account termination. ( 1 ) A  creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.

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 09/20/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (RI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: With the Home Depot company I have had many times late charges assessed because of late payments, only to have them eliminated immediately after I provide electronic proof from XXXX bill pay that there is electronic proof the payment was paid up to two days before it was due. They remove the late fee immediately Also, they either have a poor system when receiving payments and have a history of sitting on, /or seemingly not processing payments on time. It seems the receivers are late processing, and system then shows a late payment and another department clips on the late fee. I think this has happened 6-10 times with me, while they assure me the Payment was late. I 'll bet they make 10 's of millions of dollars on this. Everyone know these companies love late fees and its actually a revenue budget line, and yes they say each year. HOW CAN WE IMPROVE THIS REVENUE!!
Recently they also reversed a late fee, as a courtesy ... ..but I still had to pay the entire bill and late fee? Why?, because instead of an immediate waiver/credit, they credited my account??? Is this legit/legal? I still had to pay the fine up front. On a {$1200.00} balance I would not even feel this credit of {$35.00} and still pat to pay it out of my limited monthly budget. 

For consumers making minimum or limited wages with mouths to feed this can be reason burdensome and hurt consumers a lot in the pocket book

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 01-07-2018 about Debt collection (Medical debt) with International Computer Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX, XXXX XXXX - VP of Operations XXXX The basis for my dispute required to notify me prior to, or no later than 30 days afterXX/XX/XXXX, 2016 XXXX XXXX XXXX, XXXX XXXX - VP of Operationsfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX - VP of Operations '' failed to give me my " MiniMiranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX - VP of Operations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX - VP of Operations is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: i received a letter from XXXX XXXX XXXX to apply and refinance my mortgage i call and contact XXXX XXXX XXXX and he run my credit and ask for my ssn and told me that he was going to lower my rate fron % 5 to % 4.3 and i email him all my house information he also told me that i didn't have to worry about XX/XX/XXXX and XX/XX/XXXXpayments that they are taking over the loans and i told him that that sounds really goods so i can buys gifts for my relatives i was also contact by XXXX XXXX XXXX assistant and told me to call my morgate company and find out if they where to going to pay for the propery taxes so i called and they told that they are not and after that like XX/XX/XXXX and afther that day i called them both. email them both i also. i also called to speak to a supervisor and no one from this company have return my emails or called now my credit score dropped 100 pints due to this people unprofessionalism

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (OR).
Issue: Closing on a mortgage

Complaint: I applied for a mortgage to purchase a new home. I offered to put 5 % down, and asked to increase the loan enough to include seller paid closing costs. Based on estimates provided from the mortgage company, I offered XXXX with up to {$8000.00} in seller paid closing costs. The lender sent me an initial TIL and explained that the closing costs would be less than expected, with an explanation that I could ask the seller to modify the purchase offer and decrease it by {$2000.00} to be {$300000.00}, or we could buy down our interest rate from 4.99 % to 3.875 % for a cost of {$1500.00}, as a way to use most of the seller credit. The seller did not want to amend the purchase offer, so I asked the lender to buy down the rate to 3.875 %. The lender did. 
Once we got close to closing, our loan officer went on vacation and her manager XXXX XXXX took over our loan process. We received closing statements showing that our rate at 3.875 %, but with the cost to buy down the rate significantly higher than {$1500.00} as originally agreed. It was explained to us that closing costs came out an additional {$2000.00} ( approximately ) lower than expected and they understood we wanted to use all of the seller credit, so they applied it to the rate buy down. Yet, the additional funds were not used to buy down the rate further. When I asked XXXX XXXX to use the funds to further buy down the rate, he refused claiming that I would need to pay multiple thousands of dollars in addition to the seller credits in order to reduce the rate to anything less than 3.875 %. I was already late for closing and at risk of losing the house as the seller would not agree to extend closing any further. So, I asked the lender to honor their original offer of buying down the rate to 3.875 % at a cost of {$1500.00}. The lender came close to that and the additional seller credit of approximately {$2000.00} was paid to the seller. Ultimately, I over paid for our home by roughly {$2000.00}. Fortunately, I am able to read and understand a TIL. Otherwise, the lender would have conveniently used all of the seller credit for the benefit of the lender, rather than the benefit of the borrower. My complaint is against XXXX XXXX with XXXX XXXX XXXX. I can provide the initial offer letter and initial TIL along with the final closing documents. Interim TIL were not provided to me in a paper format, but we're rather sent electronically through a cell phone app.

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 12/25/2016 about Consumer Loan (Vehicle loan) with AutoMoney, Inc. (SC).
Issue: Shopping for a loan or lease

Complaint: I have had XXXX or XXXX title loans with Auto Money in XXXX XXXX, SC. The first XXXX were paid off by another title loan company. But the next XXXX or XXXX have been renewed. About three months ago I got behind and the I was told by Auto Money in XXXX, SC to call the district manager, so I did. I spoke with him and he told me to call XXXX in XXXX XXXX to see what I could pay. I told XXXX that I could pay {$100.00} that day and the other {$370.00} in three more days. He stood right there and said OK, well the next night my daughter and I were at home and a repo company pulled in our driveway and hooked my car up. The driver told me to call the company, so I called the District Manager at that moment and he said yes, we had to take it. I had to pay about {$900.00} and some change to get it back. It took my whole check for about three or four weeks straight. I only have XXXX vehicle and they knew this. Since then I have received a new loan and the first payment was due on XX/XX/2016, well I received a right to cure letter on XX/XX/2016.That is not fair at all. This company is the most complained about company around and something has to be done about them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: Provision of inconsistent, unclear information regarding required steps associated with management of account on behalf of mother 's estate in relation to joint account held by designated executor and mother, and refusal to negotiate deposit of third party check from FDIC ensured bank. Details : After my mother 's death on XXXX XXXX, XXXX, I went to local Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) on XXXX XXXX, XXXX to provide bank with notice of death, provided an original copy of the death certificate, closed my mother 's credit card and debit card, and request information regarding any additional steps I would need to take with the bank as designated executor under my mother 's will ( and named joint account holder ). I was told no further action was required on my part. In course of managing my mother 's state, o/a XXXX XXXX, XXXX, I identified a possible fraudulent charge against the joint checking account, went to local bank ( XXXX XXXX location, XXXX ) ; reported this to banker, who contacted fraud line and also at my request, asked for verification that death certificate had been processed. The banker stated that the unit she was speaking to stated it had not been processed, and then indicated the unit had also informed her that I would not be permitted to deposit a check ( in the amount of XXXX ) from a third party bank check written to my mother 's estate unless I presented a " certificate '' for the court where her will was probated. I asked for clarification regarding the nature/type of certification, and was told that again I needed to present a " certificate '' and set up a separate estate account as well. I was also informed that Wells Fargo was not obligated to negotiate any items under a deceased party 's name absent the " certificate '', would not accept a certified copy of the probated will or any other documentation apart from the " certificate '', and would not accept the deposit. I indicated that the documentation being requested was unclear, that I had received no information to this effect from the XXXX branch, and indicated that I would be contacting the CFPB with a complaint regarding failure to provide clear, written policy information when requested. At this juncture, the unit speaking to the banker said they were escalating my inquiry to another unit. At no time was I permitted to speak directly with the contacted units, although the banker asked if I could and indicated to me that the unit would not speak directly with customers and now legal counsel would be involved. I was also admonished that the bank would need to investigate further.

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 11-09-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I seemed to have misplaced my old mortgage information for the address of XXXX XXXX XXXX, XXXX CA XXXX. I am hopeful that JP Morgan Chase can assist since the loan was through them and paid off in full. I am wanting a paid in full receipt for that loan if possible. I spoke with someone on the phone who was able to locate the loan information, but I am just wanting a confirmation in writing that the loan was paid in full as agreed. The loan was paid in full in XXXX or XXXX of 1993. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had an auto loan with Florida XXXX XXXX out of XXXX, FL. While I paid the account late a number of times it was never over 30 days late. The very last payment ... a partial payment ... was credited 33 days late. The account, on the Equifax bureau shows XXXX late payments for the entire history of the loan which was paid off in XXXX, XXXX and has a XXXX  balance. However, the loan itself still reads as an XXXX rather than an XXXX which is adversely affecting my credit by XXXX points. On a 48 month loan that only had the last partial payment over 30 days the entire account should not forever have the status of " Pays XXXX days late ''. 

I contacted the Florida XXXX XXXX and was told by an assistant branch XXXX that the problem would be resolved and they would correct the report to the bureau. They have done nothing whatsoever to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Our company had it 's checking account with Capital One. We are an XXXX vendor and all of our deposits came electronically from XXXX XXXX every two weeks. All of our company purchases are made with company credit cards. The only disbursements we have made all year long are to paid credit card companies for our inventory purchases and fixed expenses. Today I tried to log into our Capital One Spark business checking account and I kept receiving error messages. I emailed customer service with the reference number and two hours later had still not received a response. I called Capital One and someone finally told me that Capital One " had decided to end the banking relationship '' without ever first notifying us or giving us any explanation. I demanded an explanation and was transferred to an account rep named XXXX. He claimed he had contacted the person or persons responsible for making the decision to close our account but he claimed that no one would give me an explanation why our account was closed without notice. He said our available funds were being mailed to us. When I demanded a tracking number for it he said it was sent via regular mail and no tracking number was available. We have deposits scheduled this week from XXXX as well as payments to our credit card companies and now have no way to pay our creditors until we get our funds from them as well as work out the rerouting of payments with XXXX. XXXX had verified that they have already sent this period 's payment and all we can hope for is that it bounces back to XXXX and Capital One has not decided to keep it or that it 's lost in cyberspace. <P/>XXXX XXXX XXXX, XXXX Capital One Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I needed to make a auto payment to santander consumer USA. I am forced to pay using XXXX XXXX who charges unfair fee 's just to make a one time payment via the web. The fees are way to high and i wounder if santander is not benefiting from these added fees in some way. It can not cost XXXX to make a payment using a debit card. someone is making money on this and seems to violate some FDCPA or other law. Please look into this consumers once again are getting fleeced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with Bonneville Billing and Collections (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I got a letter from XXXX XXXX XXXX for a debt that I owe for some medical treatments I had done. That I thought my insurance was taking care of, but I had n't met my deductible, so they were n't. I did n't have a job, or a phone, and did n't receive phone calls from the manager. She did call family members and asked if they could get a hold of me, when they asked what for, she was rude with them and would n't tell them, just left a number. I did try to call back at the number she left and each attempt went to voicemail and I was unsure what she was calling about so I did not leave a message. 

Cut forward to XXXX XXXX. I receive a letter that said I had 7 days to pay the balance in full of {$210.00}. The letter is dated XXXX XXXX, I live in the same area, so there 's no reason it took a week to receive it. I assume it 's because Bonneville failed to put it in the mail that day, I wish I had the envelope still to see when the exact postage mark was. I called the day I received the letter at 11:44 am. I asked if I could have an extension until XXXX XXXX to pay the amount in full. The person I spoke with said that would be fine. Right before ending the call she said, " do you still work for ( previous employer. ) '' I replied that I do not. She asked for my current employer information and I said I did n't feel comfortable giving her that information because I did n't want my employer to receive harassing phone calls from their company, like my parents have. She said she needed that information to make a payment arrangement, and I said, well I wo n't give you that information because I do n't feel as though it 's needed. She said, " okay that 's fine, I 'll give this account over to my attorneys office today, goodbye. '' I feel as though she was threatening and rude. Today I got served a summons from their attorney. In which the attorney office said that they needed the information of my employer to set up a payment arrangement, in case I did n't make the payment and a lot farther out if they needed that information to garnish my wages. Which would have taken months. This information was not explained by the Bonneville representative, only by their attorney office that I know owe almost {$500.00} to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Billing disputes

Complaint: I called to cancel my subscription after receiving a monthly bill on my XXXX AMEX statement for {$21.00} charged XXXX/XXXX/16. I placed a block on my account so XXXX XXXX could not charge me anymore. I called again and asked them to cancel my subscription. XXXX XXXX charged me {$130.00} again the next month XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2017 about Vehicle loan or lease (Loan) with BANK OF THE WEST (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have an auto loan with Bank of the West. In order to pay extra on my principal, I obtained envelopes from them that are addressed " BANK OF THE WEST, LOAN SERVICING-PRINCIPAL PAYMENT ''. On several occasions, my additional payment for principal only has had interest charged on it. They always correct it, when I contact them. However, I believe this is a practice of theirs, in which they do n't expect the borrower to catch them. I have made approximately 15 extra payments since I obtained the loan a year ago. Of those 15, about 8 have had interest charged.

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