milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Made a purchase @ XXXX XXXX XXXX XXXX 's in 2012. Wanted to pay cash but was talked into by the sales person to take an 18 month promotion that I could pay off before the promotion ended and would n't be charged any interest. 

I had the monthly payments automatically withdrawn from my checking account. It was my understanding that the monthly payments would pay off my purchase in the 18 months. Was never advised that my promotion ended and the interest would accrue@26.99 %. My total for the 2 purchases was {$2600.00}. Have n't made any purchases since then and my balance is now  {$5700.00}. This includes all the interest for the promotional 18 months period and interest on the interest. 

I 've paid approximately {$170.00} per month from my checking account for the last 5 years. I never received paper statements and did n't realize I still owed them money until I received an email that my credit line was increased. When I called customer service they explained to me what happened. I assumed I was paying for insurance on my purchase and never questioned the charges. When asked if I could pay a settlement amount that was less then the balance, I was told no. 

I 'm beside myself at the moment. I 'm a single mother and take care of my sick mother full time. I ca n't understand how a company could take advantage of me like this.

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 01/19/2018 about Checking or savings account (CD (Certificate of Deposit)) with U.S. BANCORP (IL).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I bought a CD on XX/XX/XXXX for {$100000.00}. In XX/XX/XXXX, I had a personal crisis and told the company ( US Bank ) that I wanted to cash it in. They sent me {$98000.00}. 

I had the money deposited for three years and they sent me {$2000.00} less than I deposited? 

I do not think this is fair and wrote them explaining why. 

They told me I would not receive any more money! 

I think this is horrible and probably fraudulent. 

Please help me get more money.

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 09/13/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Since I opened my account with synchrony bank last XXXX They had a clarical error on my last name and I was n't receiving any bill that was n't certified mail Since XXXX iv been asking them to change my last name so the post office would deliver my bill so I could rightfully pay the payments They have refused to I finally talked to someone today on XXXX Who would look in too it but at this point I 'm so frustrated that they could n't take care of it months ahead when I initially asked

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 06-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Customer service / Customer relations

Complaint: There was a credit balance on my Capital One account, and I requested a credit balance refund on XXXX/XXXX/2015. I spoke with numerous supervisors, as I have had issues with Capital One before, and I was assured that I would receive a credit balance refund check. I was also told that the credit balance could be refunded to a recently used XXXX checking account. I made it clear that there should not be a payment adjustment made. After taking over XXXX weeks to process my request, Capital One has sent a supposed ACH credit to the originating bill pay service, which is nonexistent, and now I have had my funds warped into electronic nether-land all while being told that the request was treated in accordance with " Capital One policy ''. I am incensed to have XXXX checked my customer service answer ahead of time on how the payment would be issued, only to have Capital One take arbitrary action to resolve my issue that did indeed cause a domino effect of other issues. I intend to abstain from use of this Capital One account, but I am demanding that they honor their promise to issue me a check or to issue my a credit to my XXXX account. If the CFPB is unable to assist me with resolving this clear error, I will be forced to pursue other remedies. 

Thanks for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened up an AMEX Platinum credit card account in XX/XX/XXXX. The card has an annual fee of {$550.00}. The offer I accepted included XXXX points to be added to my account if I spent more than {$5000.00} on the card in the first three months of use. I exceeded that amount easily. It is now approaching six months since I first opened the account and the XXXX points have still not been added to my account. I have made multiple phone calls to AMEX, the latest on XX/XX/XXXX. I also had a " chat '' communication with AMEX on that same date. Each time I have contacted AMEX I am told to wait 6-8 weeks but they, as of today, still have n't done anything about adding the points to my account. I have attempted to make contact with the department that handles the points but have been told that I can not speak to them. The AMEX Platinum card, one of the so-called " premium '' credit cards, has a steep annual fee of {$550.00}. You would think that AMEX would be a little more proactive in honoring the deal they offered. They sure were n't shy about collecting the {$550.00} on the very first statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: This is a follow-up to a previous CFPB complaint. I had applied for an XXXX XXXX credit card but ended up getting a XXXX card instead. In response to my previous complaint, Bank of America responded that I only need call customer service to request a product change to the correct card. I have attempted to do this multiple times now and keep getting told that this is not possible. I do not want to apply for a new card - I want my card converted into the type of card I originally applied for.

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 12/14/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan modification,collection,foreclosure

Complaint: XXXXNationstar Mortgage foreclosed on my father 's home at XXXX XXXX XXXX, XXXX CT XXXX & the title did not revert back to the bank until XXXX/XXXX/2015. XXXX/Nationstar Mortgage illegally locked me out of the home from XXXX to current not allowing me to retrieve my personal belongings. I have tried for well over a year to get access to the home by the bank but have been ignored and unacknowledged. 
This complaint is not about the foreclosure itself but about the process that was not followed by the bank to evict my personal belongings. According to the law, the bank forecloses on the real property not the personal belongings inside the house. The personal belongings became a tenant to the house and the bank then would need to file the appropriate paperwork to have the belongings removed. The only person who can remove property from a home is a XXXX XXXX and that is only after ejection paperwork has been filed and processed and approved by the courts. 
I notified the Nationstar 's hired bank representative XXXX XXXX of XXXX XXXX in XXXX CT once I notice they had the home on the market and identified that the property inside the home is mine and I needed to retrieve it. She refused me any access and said she did not know how to get in touch with the bank. I asked her for contact # or email to the bank and she said she did not have XXXX. Immediately the next day I was advised by XXXX of my former neighbors that the house was being unloaded and dumpsters were being filled up ( see pics ) as well there were multiple pick-up trucks loading my property inside their vehicles. 
I again attempted contact with the banks hired representative XXXX of XXXX and she refused to help and told me she did not know how to get in touch with the bank. I said what they were doing was illegal and they had no jurisdiction to take my property from the home. 
In the meantime we were in contact with XXXX XXXX, State Prosecutor for the XXXX XXXX Connecticut XXXX Court who help us initiate an investigation with the XXXX Police for both criminal/civil actions. The XXXX Police have an open case file on this matter ( still open ) and they also have been in contact with all the parties as well. The police advised all parties that no property was to be removed any further from the home and everything was to be put back into the home from the dumpsters. They again were ordered to put all the property left in the last of the XXXX dumpsters back into the house and advise all representatives that there was a criminal investigation going on & that it was illegal to remove it.

Company response to consumer: Closed
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient never offered me other repayment options

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My late wife who was XXXX requested an antenna from XXXX ( she was a 15 year customer ) because the reception in the apartment we lived in at the time was very poor. XXXX delivered the antenna after much hassle. My wife finally succumbed to her illness and I moved XXXX to be with my daughter 's. I canceled my XXXX phone and returned the antenna to the local XXXX store XXXX XXXX XXXX, XXXX XXXX before I left. The young lady took the antenna and wished me well. I paid my phone bill in full but XXXX kept on sending bills for the antenna. They have turned the bill over to several different collection agencies. Each one has tried to cut a deal with me. I refuse to pay for something that I returned to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX I opened a CitiGold checking account with CitiBank with a promotion that offered XXXX XXXX XXXX miles after using bill pay in 2 concecutive months and spending XXXX dollars. I completed these requirements XX/XX/2016 and was told in XX/XX/XXXX that I had completed all the requirements and that these points would be sent to my account by XXXX XXXX, 2016. They were not and i contacted Citi again to inquire when they would be posted. This time i was told that the points should have posted already, that an investigation would be opened, and that i would have a response by no later than XXXX/XXXX/16. This, too, came and went and I contacted Citi a third time. I was told that the agent was unable to assist me, other than opening a new investigation and asked to call a number. Calling in to the promotions dept, ( the fourth attempt to resolve this ) I was told that the issue was under review and I could not be given a new timeline. I sent a fifth letter via secure message on the Citi site detailing all of the contact attempts so far, and received no response, contrary to their policy of responding to all inquiries. I contacted them a 6th time on XX/XX/XXXX and was told that the case is still " in progress. '' From my research online it seems that this is a common problem with Citi trying to get out of honoring this promotion. I hope that CFPB can assist in holding them accountable to their contract.

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 01/28/2016 about Consumer Loan (Vehicle loan) with BOK FINANCIAL CORP (TX).
Issue: Managing the loan or lease

Complaint: I make my payments regularly, in advance, of the due date. The bank 's own systems are showing discrepancies in the payment due dates causing phone calls and questions about non payment. The customer facing portals show the next payment due as scheduled, however, the payments I make, on the bank 's side, did not assign to a month. 

The payment portal online shows as a transfer between deposit accounts and the loan, it does clarify where the payment is going to principal, principal and interest ( regular payment ), and interest. Therefore, when paying regular payments, I make 'transfers ' as a principal & interest payment. 

***An example*** {$10000.00} loan, {$100.00} regular payment due monthly : - I make a transfer ( P & I ) to the loan due XXXX on XXXX, next payment due on the consumer portal advances to due XXXX. 
- I make XXXX 's transfer ( P & I ) on XXXX. Next payment due on the consumer portal advances to due XXXX. On the same day, XXXX, I make a second transfer ( P & I ) to the loan for the payment due on XXXX, which on the consumer portal advances the next due date to XXXX, as it should. However, the banks internal system interprets this as a principal only payment and triggers calls to me for non-payment for the XXXX payment. The consumer portal still shows the payment is due XXXX. 

See attachment for actual case.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with CITIBANK, N.A. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (SC).
Issue: Settlement process and costs

Complaint: After reviewing my credit report I notice a foreclosures from a mortgage company called Caliber Homes that I never heard of or had a mortgage with! The only mortgage I have had was through XXXX mortgage. I then realized there were XXXX foreclosures from the same property. My wife and I went to court and lost our home to XXXX in 2013. 

I submitted a dispute with the credit bureau regarding Caliber Homes and requested the name, address and telephone number, of who they contacted in order to verify the information. I informed them that I was putting a file together of all names, titles, and documents. This would provide me with legal documentation if I need to take this to court. 

. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I went to the county court and got a copy of the foreclosure all documents had XXXX. I spoke with the staff at the county court and they also could not understand how a company could place a foreclosure on a credit report without taking them to court because XXXX is a judicial foreclosure state. 
I 'm demanding the Caliber homes remove this from my credit report. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX veteran that closed on a HELOC loan for $ XXXX in XXXX 2006 with XXXX XXXX XXXX. The loan was sold to Bank of America and my monthly payment is {$420.00}. I tried to refinance the loan through a few credit unions for veterans and have no success. Currently the loan is in a foreclosure status due to my unemployment. I have a buyer for my home and need for BOA to stop the foreclosure fees and process, and they are unwilling to do.

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 03-11-2017 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Other

Complaint: Alleged outstanding balance paid online using online web pay ( Lowes.com ). Found out about alleged outstanding balance while applying for a mortgage. The alleged amount was paid. In an attempt to not prevent mortgage processing delay, sent an additional sum in the amount if {$470.00} ( with an additional {$100.00} to ensure account finalized ). No efforts on the part of the creditor ( Synchrony ) to investigate the account - they just presented {$570.00} in funds sent to them without investigating anything. I am XXXX military and had not heard ANYTHING at all from this bank despite having other accounts open with them ( to include up to date contact details ). Syncrhony have destroyed my credit for not fault of my own and have prevented me in obtaining a critical mortgage - due to their inaccurate reporting.

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 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I took out a loan from XXXX XXXX XXXX roughly two years ago in the XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XXXX of XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).

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