milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I currently spread my spending between 2-3 premium credit cards from competing issuers. It 's no secret that American Express has the best premium card in the business but when I called to apply for the centurion card, I was told it was not possible.
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On an unrelated not, I applied and was approved for a business card recently but the person on the phone who verified my application and approved it said he did not see the promotional offer which had prompted me to apply in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: I have a mortgage loan with citimortgage and I succesfully negotiated a loan modification with them back on XX/XX/2017. Prior to the negotiation I started making payments of {$650.00} on XX/XX/17 and always made my mortgage payment ontime to the account number they told me to. 
However after Citibank processed the loan modification paperwork, they changed account numbers and my payments were not being processed. I received a refund for my mortgage payment 30 days later but I never got the new account number to send the payment to. Without knowing why they returned my payment, I went ahead and send them the payment again and it was returned again. I finally heard from them and they instructed me to start sending payments to a new account number. During that process Citimortgage received my payments but because of their system changes, I was showing late one month on the new account. I ended up sending them the additional payment they requested but my account showed late in all credit reports.

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 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VT).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: In 2014 opened a Chase Amazon credit card account. I never verified the card or used it. When I call chase to close/delete the account they do not recognize the card number or tell me that hey do not have access to the account.
Yet, if I apply for a new Chase Amazon account, Chase sends a letter saying I have one and decline the request.
The clearly have a quality control problem. I want account no. XXXX XXXX XXXX XXXX  closed/deleted/purged forever, and chase provides no method to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: offed  XXXX      AA advantage point if spent {$3000.00} in 3 months.
Gave {$1500.00} limit.
paid more for the account to be in credit but freeze spending power not to get to {$3000.00} in 3 months

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have three things listed under derogatory marks that I need removed and working with Equifax has been to no avail. I have two public records ( Account Numbers XXXX and XXXX ) that need to be removed. I do not owe these balances. I have contacted both XXXX XXXX and the corresponding courthouses and they confirmed with me that Equifax did not contact them to confirm or dispute this information. When I submitted an FCRA Prodcedure request on X/XX/2017 they did not respond. I send that letter certified and faxed it as well. Also, there is a collection account under the name of XXXX XXXX XXXX for a balance of XXXX. I am not responsible for this debt, as it is a worker 's compensation case. I have already cleared this information with both the original creditor and my previous place of employment. However, Equifax refused to remove it from my report and continues to reflect inaccurate information. There are also twelve ( 12 ) inquiries listed on my credit report that are scheduled to fall off within the month, only one of which was actually authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection agency is charging me over {$400.00} for a medical bill. The amount is wrong, and the notes according to the person I spoke with said they contacted my insurance company on two occasions to collect their portion of the payment but insurance company did not reply. Im sorry but just because the insurance company did not pay their part does not mean I am responsible for their part.

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 07/21/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: this not my account

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with PAYPAL HOLDINGS INC. (OR).
Issue: Billing disputes

Complaint: In XXXX I made a paypal transfer to a merchant, believing this was being correctly charged to my own account. I did not intentionally consent for PayPal Credit to take this charge. 

A couple of months later, I received a bill which is the XXXX time I was made aware that this had been charged to PayPal Credit. This was the XXXX bill I received and it included late charges. I called up and disputed this payment. I paid the full principle, but did not pay the late charge. 

Despite this, PayPal Credit continues to harrass me and add further late charges in violation of the court order on this matter XXXX civil case in Maryland XXXX. They also have taken to now calling my friends because I have blocked them. 

I believe their actions in not billing me properly ( waiting months to send a bill and _then_ adding late charges ), and continuing to add late charges despite my dispute is illegal. 

I paid everything I owed. The entire bill they claim I owe is due to their own illegal actions. 
I wish the company to acknowledge that I have paid in full, and cease harassing me. I encourage the Consumer Financial Protection Bureau to investigate as it appears that PayPal Credit is not adhering to the court order. I have attached a statement showing that they are continuing to add fees to a disputed transaction in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently fighting with shell point mortgage company about the foreclosure of my property, i called 2 times the week of XXXX/XXXX/2016, spoke to XXXX different representitives from this company. i wass assured by both repersentives that after the last {$1000.00} + {$1600.00} i had prviously sent in that there would be no other fees and i would not be in foreclosure. Only to find out on XXXX/XXXX/2016 that they returned the {$1000.00} and that there were infact more attornies fees, so now i am back in foreclosure and having to pay {$2500.00} to save my house from foreclosure. So when i called they said that the intial {$1600.00} i paid had infact been applied to my past due balance and that i still owed more money even though XXXX seperate representives stated that it would not be the case. it seems that they are gouging someone who is struggling to save their home. i am considering taking legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a break down of the fees which are considered arrears from Ocwen XXXX totaling {$9300.00}. After receiving break down ledger it indicated there were double amounts of charges for " property Valuation expense charges. '' Example of those charges billed were {$320.00} and property inspection fee of {$10.00}. They were charged sometimes twice a month. HUD was involved and in XX/XX/XXXX the Ocwen became the lien holder with starting out over {$10000.00} in fees. After requesting for modification that went through after drop in income, what was a fixed loan became a balloon at the end of the maturity requesting collection of the balance of the loan over {$40000.00}. I asked why ca n't we just do the lower interest because now I am working with a better income and not require this " balloon, '' during the time of the trial period, my answer was it 's better for you. They continue to add 10 years again on to the loan, which I do n't understand, it was mature at XX/XX/XXXX now I was told today it is XX/XX/XXXX. No correspondence was sent to me of this change.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: SERVERAL ADDRESSES WERE INCORRECT ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THESE ADDRESSES. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 03/23/2016 about Money transfers (Domestic (US) money transfer) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Other service issues

Complaint: Exorbitant service charges without warning I have recently been making a quite a few online purchases using my peoples debit card via the online service paypal. I use my debit card online because it should be the same as cash with out fees. I had n't noticed these " network service charges '' until my most recent statement where the charges reached {$81.00} dollars. Furthermore the total charges for the past 12 month are {$200.00} in total of said " Network Service Fee 's. '' On Monday XXXX XXXX, 2016 I contacted XXXX, peoples, and had a conference call with XXXX institutions. I First contacted XXXX to question the fees on on bank statement, I spoke with a supervisor and he assured me that they do n't know why peoples would be charging a " per use '' fee. Second, I contacted Peoples, explained my frustrations on being charged over {$80.00} dollars in fees in one month alone, they assured me that " XXXX was aware of the methods of payment charges according to the 'nice ' system. '' From what i gathered from the conversation with peoples bank is that i am being charged as if i were using a " non-network atm ... '' I Have never been charged a fee to use my debit card online. ever. Furthermore, I do n't understand, nor could peoples bank explain, how making a purchase online is in the same category as making an atm withdrawal. When i make an atm withdraw, which is infrequent in my case, i am immediately notified on the screen of the impending charges BEFORE i make a withdrawal and only then am i asked to proceed. These charges on my statement have had no such warning. I asked peoples for an explanation of these charges and a refund. They denied my request. Explaining that " it 's in their universal contract '' that they will not refund and its not a problem with them, but the issue lies with paypal and " how they initiate the charge. '' To the average consumer, such as myself ' I would have no way of knowing that these charges would be instilled prior to to getting the statement! I feel defrauded out of {$200.00}, due the the fact these charges were instilled with out my knowledge. If I were to have known prior to these purchases that an additional {$3.00} " Network Service Charge '' per use of XXXX were to be placed i would have certainty have not done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Knight Adjustment Bureau (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Knight Adjustment Bureau put a collection on my credit without sending me any notice. They did not send a 30 day right to dispute notice. The debt was already settled with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sued my landlord XXXX XXXX XXXX because of fraudulent charges after move out. They wo n't release my security deposit. Before the court date, the landlord sent my " debt '' to a debt collector, Kimball, Tirey and St John LLP. However, I won a judgment at court against XXXX XXXX XXXX XXXX but up to now, the " debt '' is still outstanding on Kimball, Tirey 's website - https : //kimball.virtualcollector.net/. I sent them XXXX letters - debt validation, and a letter with the judgment attached. They still have the supposed debt outstanding on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with United Collection Bureau, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received many calls everyday from united collection bureau. They have never sent me any type of mail informing me of the debt they are attempting to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan w ith OCWEN. We  sold our house and had new financing and we 're going to pay them off. We had a closing date and the payoff amount. Once we closed the loan and they were paid off, about  two  months later it showed on my credit report that I ha d missed two pa yments to them. Which my title company and I were told not to worry about because they knew of the closing date and we had the exact payoff amount. I have tried to contact them numerous times to get this removed from my credit report and they will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have put in numerous complaints with Ad Astra and they are still unable to satisfactorily verify that the 2 debts that they are alleging that I owe them. I have not asked for validation but for verification. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. 

This statement means There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Ad Astra has failed to send me a contract between myself and a representative of their company so therefore this is not legally my debt. If I have to sue for legal damages then I am willing to do so because what 's going on is illegal as stated by the law Please do not send the same contracts that you all have been sending, I need to see a drawn up contract from Ad Astra with myself and an Ad Astra representative physically in the document.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (I do not know) with Eastern Account Systems of Connecticut, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: As of XXXX/XXXX/XXXX your tradeline remain on my account. Please remove ASAP. Never received contract only statements. Requested CONTRACT AND STATEMENTS to properly validate the account. As of XXXX Ive only received statements no contract. Contract was requested in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: APR or interest rate

Complaint: I 've been a Bank of America customer since 1996 and the only reason why I 've continued to use their services is because the long standing credit history is good for my credit score. However, their incessant terrible customer service has finally compelled me to pay the card off in full and to drop the card ( as well as my banking account ) with this poor service institution despite the imminent drop in my credit score. Their interest rates are ridiculous and they are never amenable to lowering the rate, their customer service wait times consistently exceeds 45 mins and the last time I requested an interest rate reduction, the customer service contact was rude and falsely noted that my rate would not be reduced due to my credit history with the bank. I calmly asked the representative to elaborate and she could n't ( by the way -- I 've never had a late payment in my entire 20 year relationship with the bank and always pay beyond the minimum due ). I told the representative to please provide me with evidence of any history as it is a mistake and she kept deflecting the issue. ( By the way, I watch my credit like a hawk as a fico.com member and all three of my scores are around XXXX ). 

Furthermore, the bank service is terrible as well. In one instance, I was in the process of notarizing a document at a bank, provided my identification, signed the document, and the XXXX customer service rep accused me of forgery. I had my SS #, license and birth certificate in hand and finally, XXXX of the bankers ' superiors was able to assist me and apologized for his colleagues lack of professionalism. Consequently, I will move my $ XXXX/month automatic draft, checking and credit services to XXXX. 

I 've had many peers tell me about Bank of A 's notoriety and frankly, I will encourage all of my peers to never bank with such a terrible institution. There are much better alternatives available.

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 01-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I signed up for XXXX XXXX XXXX card and I always paid of my credit every month I had good credit history. I started off with XXXX and they went up to XXXX because I always paid on time. When they made the switch to Citi Bank they didnt notify me and I had credit that still had to be paid off on XXXX XXXX XX/XX/XXXX I didnt even know where to go I kept logging in on my XXXX XXXX but it wouldnt let me from XX/XX/XXXX till XX/XX/XXXX. Finally in XX/XX/XXXX I received a card and a late fee notice that they were going to go to collections with my debt. I tried multiple times to call back and forth and settle it with them from XX/XX/XXXX - XX/XX/XXXX. I made payments to try and catch up. I finally took out a loan from my bank to pay it off because I did not want to hear from them any more. I would make my payments on time and they still would call saying that I owed money. After paying off the card in XX/XX/XXXX they sent me a statement in XX/XX/XXXX for money I paid off. I called a representative and they erased it and apologized. I have been on it with my credit history before citi bank.

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 09/17/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: In XXXX 2015, I obtained an auto loan through Credit Acceptance for a XXXX XXXX XXXX with 69,999 mileage the asking price for the vehicle was XXXX with gap insurance included bringing the total to XXXX approximately. At the time I was deciding between two other companies for better priced vehicles with different financing terms. I was constantly contacted by the dealer through text/phones various times of the evenings to obtain the vehicle. Needless to say, I went for the deal, because I believed that the dealership had my best interest and offered me a connection with better finance company according to the dealership. At the time I was n't making much money, related to my return from a medical leave for 3 months prior. However, the loan was pushed through, and I was told by the dealer that no matter what I could and would be approved. Later on I realized why ; the finance company required a GPS device to be placed on the vehicle which was discussed after i signed the agreements and paid the down payment. If that was made known to me prior to signing, I would 've declined the offer and went to the other dealerships. I experienced much hardship with Credit Acceptance my vehicle was repossessed twice for only being 3 days late, and I had to pay the note plus an additional {$1500.00} in repossession fees, each time not included the 50-100 $ storage for belongings taken out of the vehicle. This was very humiliating and as a XXXX XXXX, I was not willing to accept this. I reached out to the finance company directly several times only to hear different explanations for the reasoning behind the excessive fees with the payment arrangements and/or repossession terms. I asked for a pay off amount and was told that the pay off was {$36000.00}! That is nearly double the price of the vehicle, and I asked for a break down of my loan and terms, the company declined to provide it to me, and one agent even said, what did I think? I knew the loan was for {$680.00} per month for 66 months! I would like people to be aware of predatory lenders such as credit acceptance, and I am looking towards filing litigation towards this company in relation to their actions which have caused me much anguish and hardship. I am a XXXX survivor and a divorced mother of XXXX small children who depend on me and I refuse to allow a company to deceive or manipulate me with these tactics.

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