milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Macy 's XXXX XXXX Paid {$4.00} in fees they said were due to them because I carried a previous balance.
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But then they charged me another {$4.00} for the month of XXXX ( {$2.00} ) and XXXX ( {$2.00} ). I am not paying anymore. I asked them to remove the charges today and I did not want to do business or receive marketing from them any further.
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I paid off entire balance prior to this and then they said if there is a balance they can charge a minimum {$2.00} fee. I disputed that with them via email, but went ahead and paid the first set if fees {$4.00}. I also discussed how they blocked us from paying an overage online to cover these fees when there was a balance. I previously was able to pay a bit more on the account basically carrying a credit balance so this situation did not occur. They did not address why they stopped customers from paying more on the account when I asked in my email nor did they communicate this change.
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Bottom-line is it one thing to charge for having a balance, but after the balance is paid it is another to keep charging people fees just to make money. I was a long time customer of this retailer since the early 90 's. Never again.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Accounts & Advisers Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 2 collections accounts on my XXXX  credit report from a debt collector AMERICAN ACCOUNTS AND ADVISORS that were closed by the debt collector because the " alleged debts '' could not be verified. I have contacted the debt collector by mail and asked them to remove the 2 bogus debt collection accounts from my credit report, they have not responded to me for over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment. 
I went to XXXX College in XXXX, NC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing statement

Complaint: I have a Lord and Taylor credit card with a credit limit of XXXX because they had reduced my limit because of a decline in my credit score. I have n't used the card since this decline and before the decline my bill was paid on time. Recently I received a bill that I should have because the card has n't been used. Someone made fraudulent purchases on this card and I filed a dispute directly with the creditor and to date I have received and update but recently pulled my credit report and they have an unpaid balance and has closed the account without my knowledge at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Credit card () with CITIBANK, N.A. (DC).
Issue: Closing/Cancelling account

Complaint: I began the day inquiring about the interest rate on my Citibank account that I have had since XX/XX/XXXX. I asked if the representative if I would be able to qualify for a lower interest rate. I also said that I had been a customer for some time and that I would prefer to remain with Citibank. I was told I could lower the rate by 3 %. I stated that another bank had just sent me an offer for for a XXXX percent interest introductory rate and a lower over-all APR, so I asked if they could lower by more than 3 %. The representative replied that that was the best that Citibank could do and I responded that I would make a decision and contact them at a later time. 

About XXXX hours later I contacted Citibank to get my exact balance so I could transfer my debt with them to my new account, which I had opened in the meantime, and was surprised to find that my Citibank account had been closed without a request from me to do so. I called Citibank 's XXXX Office to ask why my account had been closed and was told that I had made the request sometime before today 's inquiry to lower my interest rate. I stated that I had never requested to have my account closed. The manager insisted that I had made the request and that I had been recorded doing so. I challenged her to produce said recording knowing that no such request had been made by me. I also noted that my last statement ( XX/XX/XXXX ) reflected a credit limit which would indicate an open account. XXXX declined to produce the recording and added that she would file an investigation and I would receive something in the mail in XXXX to XXXX business days. Their action on this account today, will result in a loss of available credit, lengthy credit history, and a negative impact on my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Vehicle loan) with YKS Acceptance, Inc. (CO).
Issue: Problems when you are unable to pay

Complaint: My husband and I purchased a vehicle from Herbies in XXXX of XXXX. Due to a large car payment we could not afford to maintain the contract. We surrendered the vehicle as a voluntary repossession in late XXXX. The amount of the repo totaled around {$7000.00} that went to collections. This led to a garnishment of my husband 's wages which is our only income because I have XXXX XXXX and I have been denied and appealing to Social Security for seven years now. The garnishment was every two weeks until it was paid in full at the rate of {$450.00} to {$550.00} per paycheck. I know there was a court order to refund consumers per a lawsuit to Herbies/YKS but not to included charge offs. However, I believe that we were still victims of this lawsuit as we did pay off the contract owed to YKS, therefore, we should be entitled to a refund because we paid for these undisclosed fees listed in the court ordered lawsuit. Please notify us of your findings and the reasoning of the results. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX started contacting me last Friday, XX/XX/XXXX. He first contacted my work number and told my broker he was from " XXXX XXXX XXXX '' in California and was trying to deliver legal documents. I called back and he said he was from " XXXX XXXX XXXX '' representing HSBC and if I did not pay a balance of {$6100.00} owed on an old credit card they would submit a lawsuit against me within 24 hours to the court house. I advised I had tried settling with the company in 2011 and there was no resolution. He called me again yesterday, XX/XX/XXXX at XXXX XXXX from XXXX and left me a voicemail stating to call him back or else he would move forward from what we had discussed. He did not leave a call back number, but did state his name " XXXX XXXX " in the voicemail. During none of our conversations did he state the calls were recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a letter from XXXX stating that my account was paid as agreed. But experian credit reporting agency is saying that the account was paid for a lesser amount that was owed. Even though the letter is saying other wise. I disputed this two times with them but they are still reporting paid for a lesser amount.

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 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received notification I have an XXXX debt which is false. Requested validation and nothing has been received. Please help

Company response to consumer: Closed
Consumer complaint received 11-11-2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Credit determination

Complaint: My name is XXXX XXXX XXXX and I am XXXX. My XXXX number is ( XXXX ) XXXX and I have been XXXX since XX/XX/XXXX. The business is located in a brick and mortar store which I own with no loans or mortgage and the location is XXXX XXXX XXXX, XXXX, VA XXXX. My complaint is about a problem with a Lowes business account of ours, an account that we have had since XX/XX/XXXX. The problem started as a result of a failure of Lowes automated credit card service ( an IT programming problem ) that has resulted in our credit limit being reduced by XXXX % through Lowes. In our attempt to get the credit limit reinstated Lowes tells us that after 22 years with this credit card they can find no valid information that we exist, have a valid location, and they can find no credit information or credit report on us in which to reinstate the credit limit - Very curious because Lowes provide this credit card in XX/XX/XXXX along with original credit limit. As a result of all of this all of the Lowes ' credit underwriters are talking in circles without saying facts other than " try back in 90 days for a credit increase '' - What?

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been with Citimortage since XX/XX/XXXX when I refinanced with them from XXXX for a fixed rate. After dealing with them with their loan modification for only four years instead of the one I wanted provided by the Obama administration. After going back to my original fixed and reapplying for another loan modification which they rejected saying I did n't qualify even showing what have after I have after paying bills and mortgage is barely enough to live month to month. After giving them a bad rating on the phone when they called me in XX/XX/XXXX. They sent me a letter last month telling that they sold my mortgage to XXXX XXXX. Here it is XX/XX/XXXX and I 'm not able to enter the account number to login in to make payments online like I did with Citi every month on time due to Citi have transfer my account information to them after XX/XX/XXXX and it will take 10 business day or maybe 60 days? I call XXXX regarding if they got my account info in their systems yet. They telling me about waiting for Citi to transfer my account and apologizing for the inconvenience and hitting me about fees for making payments over the phone and online and XXXX about my XX/XX/XXXX payment which Citi already received on time from my bank account on time. I feel that Citi sold my mortgage because I was unsatisfied with their customer service history and felt they did not want to deal with serving my mortgage in Missouri when they had to deal with the settlement their XX/XX/XXXX lawsuit with the federal government last year and they selling off mortgages to others so they do n't have to deal with refinancing them as they possible the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In XX/XX/XXXX, I had various online transactions that were fraudulent. As soon as I saw them on my statement in XX/XX/XXXX, I called XXXX security team to have my card canceled and file fraudulent claims on those transactions. I did receive a new card but did not receive any updates on the claims. 2 weeks later I talked to a Citi representative via chat and they also informed me that no disputes were filed and that she would file them for me. A week later after not hearing anything, I called Citi again. The representative XXXX also said that neither of the agents had filed any disputes on the fraudulent transactions. He also said that he would get the matter escalated, but I believe nothing has been done from the 3 times that I have tried to contact Citi.

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 Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: I contacted the bank requesting to freeze my account, due to losing my job and no longer having direct deposit. I have XXXX checking accounts and I did not want anything drafting from my account creating a negative balances. I was told I could not freeze my accounts. An item debited from both of my accounts and I had no funds available. The bank allowed the items to debit my account which created a negative balance. A fee of {$35.00} was added to both of my accounts. Long story short my account was already in a negative and the bank continued to add fees. I currently have a negative balance between both accounts of {$560.00}, with {$310.00} being bank fees due to overdraft and returns.

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 03/25/2015 about Debt collection (I do not know) with Malcolm S. Gerald and Associates, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: M S Gerald phone number XXXX called my work number, and demanded my social security number, when I asked what it was regarding the man informed me he would tell me after he collected my information. They have also been calling my cell.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Problems caused by my funds being low

Complaint: PNC Bank has been charging overdraft fees illegally without any trigger from any transaction, causing my account to get overdrawn. Per the attachment, you will see in yellow the overdraft fees that have been charged which causes my account to be overdrawn but there are no transactions preceding the fees showing that such transactions should trigger overdraft fees. The ones circled in red are the transactions prior to the issuance of the overdraft fees and show positive balances on the account prior to issuing overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I decided to check my account to see if my balance has changed since I 've started making payments, and it has n't. As a matter of fact it has increased. The company is American Education Services ... .I want to know why in the XXXX has my balance not decreased? Every since I 've been making payments my balance has increased. If my balance does not reflect what the XXXX I 've been paying, I will be consolidating and moving to a new servicer!!!! I 'm sick of you people! Student loans come from XXXX!! This whole industry is built on thievery. And yes I want my comments published so every one can see this company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with SEMPER HOME LOANS, INC (NY).
Issue: Credit decision / Underwriting

Complaint: After doing a refinance, I received a deceptive mail piece. It looks like official paperwork. But it is a trick to get you to call semper home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There are XXXX hard inquries from BB & T that are showing on my XXXX report. A authorized soft inquiry was done to open an account. On XX/XX/XXXX2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my XXXX report. This is damaging my credit when I have only applied/ authorized XXXX credit pull for one credit card. I currently have an account with BB & T and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XX/XX/XXXX 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: No idea where the debt came from, will not stop harassing old employers or parents.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: We called the mortgage company and told them we were interested in a modification. At that time we had a scheduled sale date of XXXX XXXX, XXXX, which would have been in about XXXX days. They explained to us that they can not start a modification process, with a sale date that close, and said WE HAD TO SEND IN AN APPLICATION XXXX DAYS BEFORE NEXT SALE DATE. We went to the XXXX office and paid for XXXX adjournments ( XXXX days XXXX which pushed our new sale date to XXXX XXXX. 

We submitted the application on XXXX XXXX, XXXX, which is actually XXXX days before sale date, which falls WITHIN THEIR GUIDELINE. When we called for a status on the modification, we were told that they can not process because they had to get ALL DOCUMENTS in within the XXXX days. PLEASE NOTE, THIS IS NOT WHAT WE WERE TOLD. WE WERE TOLD TO SEND IN THE APPLICATION START THE PROCESS XXXX DAYS OUT, CAUSE IT TAKES XXXX DAYS TO PROCESS!!! How were we to know every single document they would request subsequent to starting the process? We went on their website, printed and signed the application, and sent in with the supporting documents. 

Now they are refusing to process our application, even though we did EVERYTHING they asked us to do, in the time they asked us to do it! 

IF THE BANK REP GAVE THE WRONG INFORMATION TO US, WHY IS THAT OUR FAULT??

Company response to consumer: Closed with explanation