milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: In reference to the previous filing with CFPB complaint XXXX. Bank of America, has received several correspondence and official communications including those with CFPB regarding the account in question. Bank of America is fully aware the most resent address. They are fully aware the current address in not in Florida ( A LETTER I ONLY HAVE NOW BECAUSE IT WAS ATTACHED TO A BOFA COMPLAINT RESPONSE ) .. Its just a way to keep money they know is not theirs. A petty act that did n't work. CFPB, should change policies that do not allow them to interject to blatant petty maneuvers such as Bank of Americas actions regarding the refund of the credit on the account. Clearly the banking statement has a Texas address that states a credit of {$120.00} on the account. Common sense would dictate sending the funds to that address ON THE VERY STATEMENT YOU PRINTED IT ON ( SE ATTACHED ). But they choose the, lets play XXXX and try to keep the money approach. SEND THE FUNDS TO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX 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 03/20/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Settlement process and costs

Complaint: XXXX / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made XXXX attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and resubmit forms a XXXX time. The additional cost of the insurance is significant each year, and with the FEMA flood insurance increases in addition to our own personal home owners insurance that is required seems excessive. Each year I have gone through this process of sending forms after forms, then call after call I usually get told it will be removed, but never has been. I do n't feel that their practices are appropriate, their process is nearly impossible especially for someone working full-time and I feel their information is deceptive. This additional insurance requirement was added later after loan origination, disclosures sent, but again obviously they do n't want to enable a consumer to remove or reduce this added insurance no matter how much additional coverage the homeowner has on the personal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a trial modification and after succesfully completing my trial payments I had an issue where I could not get the final paperwork notarized because my id did not have my middle initial even thou original loan paperwork did not have it. I told my lender about issue I was having, I was told to go apply for a new id that had my middle initial on it. When I tried the dmv said I had outstanding tickets in a different state and had to clear that before I could get a new id issued. I informed my lender about this and was told not to worry, to just keep them informed and keep trying to get issue resolved. I called the state agency I was referred to to clear this issue and got issue resolved and just had to wait for the states to clear up the misunderstanding. When I called lender to give them an update they had already began foreclosure process when they said I didnt have to worry about that. My original loan paperwork did not have my middle name so I dont know why they could not isuue me paperwork without my middle name. Also The fact that I could not get a new id was not my fault as it turns out I had never set foot in other state claiming I owed tickets so I feel I should not be punished for it.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: There is a significant amount of information missing on my Experian credit history. This is leaving me unable to qualify for a home loan guaranteed through the Veteran 's Administration. A large part of a consumer 's credit score is revolving credit history, such as bank credit cards. I have a XXXX XXXX credit card. The XXXX XXXX card has been paid and reported TWICE now to Experian, in XXXX 2017 and XXXX 2017, and yet it still is n't appearing on my credit report. I have contacted XXXX XXXX and they have confirmed they reported the account information to Experian. They have my correct name, address, date of birth, and Social Security number. They have confirmed to me that they reported the correct name, address, date of birth, and Social Security number and account history to Experian. Yet, when lenders pull my report, the XXXX XXXX tradeline does not show on my history. As a result, my FICO credit score is lower than it otherwise would be, had Experian provided a complete and accurate report.

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 11-07-2016 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was robo called by a XXXX party ( The Student Loan Help Center ) to help me with my student loans. As a XXXX in a XXXX XXXX district, I knew I was soon eligible for up to {$5000.00} loan forgiveness. Assuming that was why these people contacted me, I agreed to pay a one time fee of {$590.00} dollars so this company ( who I thought was affiliated with the department of ed. ) could alter my repayment program. Apparently this service is offered for free directly through my lending house ( XXXX ). I have since worked with them to not only enroll in a new type of payment program, but also to file a complaint with them as well about these poor/unethical business practices. I 've since filed a complaint with the XXXX and have contacted my XXXX. I would like to be reimbursed for services that were A ) never necessary and B ) never rendered.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several  years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (I do not know) with AR Resources, Inc. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account. 
That payment was make it XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: I opened an account at Citizens Bank ( XXXX ) in XX/XX/XXXX. The account was opened as a XXXX account ' - and I had discussed with the bank representative that I was opening a business account but would not be transacting with the account immediately. Due to family XXXX, my focus was redirected from the business. I did n't interact with the account again until this past month - only to see that the bank had begun charging a dormant fee in XX/XX/XXXX ... with continued charges until this past month ( nearly a year and a half ) - and never XXXX sent me a letter, by mail, to notify me of the issue. If their system flags inactivity and imposes a charge ... they can send a letter! That would have been more respectable customer service, alerting me to the potential issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax contains XXXX accounts with XXXX on my credit report that contains no data reported form XX/XX/XXXX thru XX/XX/XXXX. These accounts are labeled derogatory and or delinquent. I filed ChapterXXXX XX/XX/XXXX which included these XXXX accounts with account numbers XXXX ... and XXXX .... First, there should be payments provided from XX/XX/XXXX thru XX/XX/XXXX. These accounts are closed with {$0.00} balances. The Fair Credit Report States credit bureaus ca n't have negative accounts on a credit report for longer than 7 years. It Does Not State the accounts Must remain on the credit report for exactly and no later than 7 years. So basically, it 's up to Equifax here on how long these accounts will remain on my credit report. These accounts were originally opened in XX/XX/XXXX. I realize the accounts were updated XX/XX/XXXX. However, I had XXXX accounts with XXXX XXXX XXXX that were open I believe in XX/XX/XXXX and XX/XX/XXXX. These accounts were included in the Chapter XXXX XX/XX/XXXX. Well, I believe some time in XX/XX/XXXX, these XXXX accounts were removed from from credit reports. I never challenged the accounts. Equifax took it on their own to delete these accounts after only 4 years. The XXXX accounts have negatively affected my credit report for almost 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Dear CFPB, I am a customer with TJX Reward card. Last month I pain my balance in full. In XXXX statement TJXReward card sent me a statement where they charged {$6.00} interest rate while my next billing due date is XX/XX/XXXX. 

In the statement TJX claimed that the subject to interest was {$260.00} which I do n't know how was calculated since my last statement purchased were only {$93.00}. 

I respectfully request TJX reward card remove this interest from my account. 

Worth to mention, this is not a first time when a credit card try to bill interest on fully paid balances, which I suggest you to investigate. 

As well as the legitimacy of TJX rewards card interest rate of 27.99 %. In Illinois usury rate is set at 9 % Thank you in advance 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 explanation
Consumer complaint received 01-07-2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX hired Financial Asset Management Systems to collect on a debt. Financial Asset Management Systems ( FAMS ) ran my credit report at least twice in 2015. Once on XXXX XXXX, 2015, and another time on XXXX XXXX, 2015. I never gave permission to FAMS to run my credit report nor did they have a permissible purpose to run the credit report XXXX within a 6 month period. FAMS is flagrantly violating thr Fair Debt Collections Practices Act with their deceptive debt collection tactics. FAMS ' only purpose of running my credit report twice within a 6 month period was to harass and annoy in flagrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (Medical) with Financial Corporation of America (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Firstly, Financial Corporation of America always sends debt collection mail without any detail of service. 

I received a debt collection mail, asking me pay {$61.00} to XXXX XXXX XXXX, for the service conducted on XXXX/XXXX/2015. There was no any details of the service and evidence of they contacted my insurance company already. 
I called them, and they sent me a XXXX lines service details. The original cost was XXXX and after insurance, I need to pay {$61.00}. 

I paid {$61.00} to them, although I was not that clear about the services, but I knew I did see doctor on XXXX/XXXX/2015. 

Then around 10 days later, I received another letter from Financial Corporation of America, which asks me to pay {$810.00} for the service XXXX conducted on the same day, XXXX/XXXX/2015. Again, there is no any details. 

Firstly, I paid after insurance {$61.00} already. Secondly, It is rude to ask people to pay without any supporting details. 

I demand Financial Corporation of America to stop sending any bill without details for the service and evidence that they contacted my insurance already.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Criminal Enterprise - Experian. I signed up for a credit report/Fico and while I apparently thought it was a one-time report, it apparently ( no doubt small print somewhere on payment page ) was a monthly recurring charge. Then when i saw these charges on my VISA, I learned that YOU MUST CALL XXXX NUMBER TO CANCEL. They have the most fantastic, most robust, most functional website on the planet, except you have to call XXXX, WAIT 30 MINUTES ON HOLD, to cancel!!!!!!

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've contacted transuion about 3 times in regards to inquires placed on my credit file. I have an active fraud alert on my credit file and i 'm still getting unauthorized inquires placed on my credit reports. I was never called and asked to verify my information XXXX XXXX Inquiry from XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/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 01/26/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XXXX/XXXX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our XXXX score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 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: This incident related to American Express XXXX XXXX XXXX XXXX. Estimated impact due to the issue is about XXXX dollars rewards dollars XXXX corresponding XXXX from two statement cycles, and annual fee I paid for the benefit that I did n't actually receive. 

I converted my account from blue cash card to blue cash preferred card upon receiving an offer from American Express. Before I taking the offer, I made calls to American express to ask if I transferred to blue cash preferred, will the XXXX dollars grocery yearly limit start from calendar year ( meaning XXXX/XXXX/XXXX ) or the production conversion date. I was told that once I convert, I will receive new benefit that 6 % cash back on first {$6000.00} dollars counting from product conversion date. ( I have American Express Chat screen shot as evidence ) But after I converted the product to preferred card ( paying XXXX dollars annual fee ), and I did n't get 6 %, I was told the reason is that I have already used up XXXX dollars limit, therefore I only get 1 %. This is DIFFERENT from what I was told when I upgrade my card to the preferred version with an annul fee. 

I gave Amex a call, and got transferred to multiple department, then I was told they are going to submit a case review, and the case review can take XXXX8 weeks. In the meanwhile I am still paying card annual fee without receiving any benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
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: We purchased several lights for our house from a furniture company on XX/XX/XXXX totaling to over {$3200.00}. After being promised we would receive merchandise within 10 days of purchase, we never received the merchandise delivery. The furniture company kept saying the merchandise was not shipped yet or stuck at customs. After waiting 1 month since purchase and never receiving merchandise and no new expected delivery date, after numerous follow ups with the vendor, our request for refund was declined by the vender. We were left with no choice but to file a dispute with our credit card company Citi.

Citi bank dragged out the claim for 5 months. We have called and followed up with Citi many many times with no resolution. Since XX/XX/XXXX, Citi has repeatedly promised over the phone that it was resolved permanently and would receive the status via email. But we have received a couple " dispute update '' emails ( the latest on XX/XX/XXXX ) stating a conflicting message. The emails stated that the investigation was still ongoing and there is still no resolution. We have spoken to several supervisors of billing department and dispute department who told us that they have no control over the dispute update which is supposed to be sent by the investigator who can not be reached by either us or Citi 's own supervisors of Billing and Dispute departments.

The bottom line is that the credit should be awarded to us PERMANENTLY ( NOT " CONDITIONAL '' ) after 5 months of back and forth and Citi 's " investigation '', since we have never received merchandise. Unfortunately, Citi has handled this simple dispute extremely unprofessionally!

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