milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2015 about Credit card () with Continental Finance Company, LLC (TX).
Issue: Closing/Cancelling account

Complaint: I requested a balance transfer from my XXXX account to my XXXX account. After some time I was concerned because I never saw the payment to XXXX XXXX posted even though the money was deducted ftom my XXXX account. At XXXX on XXXX XXXX, 2015 I called and spoke to a representative and I shared my concern that my balance transfer was not showing up. He informed me that XXXX XXXX Bank did not accept balance transfers. I was floored because there is nothing in the cardholder agrement that states this fact. I relayed this information to XXXX and they told me that if the payment was returned to them, they will credit my account. 
I could not believe it when on the XXXX of XXXX I logged in to my XXXX card account and I saw that they had attempted to process the balance transfer. I called them to see what was going on and I was informed that my account was suspended. Now this is amazing to me because I have never missed a payment. The balance transfer was meant as an extra payment on my account. On XXXX XXXX I spoke with XXXX and he informed me that they would pull the phone call to verify what I was told by the representative on XXXX XXXX regarding balance transfers. He said that if I had been advised with incorrect information, they would resolve the issue and I could resume making my payments online. I was waiting to hear about the outcome of the investigation, but I received a letter in the mail today ( XX/XX/2015 ) stating that I need to destroy my card and that I had violated my card holder agreement. 
This is unacceptable behavior from this company. They have incompetent Customer Service Reps and they punish the customer for it. I do n't want any damage to my credit from this company. I have documentation from XXXX saying the balance transfer was returned from XXXX XXXX Bank. ( XXXX Card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hello, I have been harassed for multiple years due to a previous XXXX XXXX XXXX Credit Card account via XXXX XXXX, closed in XXXX. I have submitted multiple BBB complaints, as collections agencies stating they are working on behalf of XXXX XXXX XXXX  have harassed not only myself but many others regarding this issue. 

- XX/XX/XXXX: Paid remaining balance on card. Paperwork discarded after 7 years ( XX/XX/XXXX) - XX/XX/XXXX: Account recorded as closed ( according to recent calls ). In XXXX, I was told the account was marked as closed in XXXX. ( Since I discarded all records, I personally can not confirm this information. ) - XX/XX/XXXX : Began receiving collections calls. Settled debt due to no record of payoff. Kept record of settlement. Collection agencies harassed myself, my sister, a former college roommate, my ex-husband, and my ex-husband 's first wife. Possibly others that I do not know about. 
- XX/XX/XXXX : Harassing calls continued to myself and others mentioned previously ; complaint filed with BBB, FDIC, and CFPB ( Case number XXXX ) - XX/XX/XXXX : Harassing calls to myself began again from multiple collections agencies. 

I am currently on long-term XXXX due to XXXX. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to file a lawsuit against Victoria 's Secret and XXXX XXXX if I ever receive another call regarding this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: Was on the phone with the company for over 4 hours today as I was transferred from person to person, department to department, in order to get my repossessed vehicle back. The reason stated for my vehicle being repossessed was that " I did not do anything to obtain financing ''. This is clearly a lie as you will see in my documents. This company purposely refused to offer any help or assistance in the post-lease options and took the vehicle because of their failure to provide this customer with proper financing options.

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 09/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I submitted a XXXX XXXX XXXX XXXX ( XXXX ) form on XXXX XXXX, XXXX, the form stipulated it expires XXXX XXXX, XXXX. I received a letter XXXX XXXX, XXXX stating my form was rejected due to a new form that was created after therefore rejecting my form with Expiration date XXXX XXXX, XXXX. Terms and condition have changed in the new form. They are just prolonging services that I applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submited a dispute letter to Equifax requesting that they remove a judgement that have been cancelled while providing proof of cancellation of judgement to Equifax by mail and they did not remove this debt from my credit report within their investigation period of 30-45 days. XXXX and XXXX XXXX removed it but Equifax did not properly do the job that I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter received a loan from Sallie Mae for tuition this semester, and I co-signed. To keep the budget manageable for her, I 'm making the monthly payments while she is in school. 

When I got the first bill I signed up for auto debit ( i.e., Direct Payment via ACH ). They provide a .25 % discount on the loan rate. I provided RT/DDA etc, and was n't paying much attention on the amount. The first payment is due XXXX XXXX, so I just checked again, and I 'm signed up to pay the minimum, so thought I 'd call them to see how I could bump that up a bit on a recurring basis each month to shorten the loan repayment period ( there was no info on their website about how to do this ). 

But Sallie Mae does n't allow it!!! Sallie Mae only accepts the minimum payment when the borrower signs up for auto debit. This binds the borrower to a longer loan repayment period - and earns more interest $ $ for Sallie Mae. When I called, they confirmed that the system only allows the minimum payment for auto debit, and that to pay more you have to send a check or make an additional payment via online banking, which is not customer friendly - and less convenient as it adds another step. 

This smacks of corporate shenenagans - offering a .25 % discount for auto debit, but then only allowing minimum payments for the benefit of Sallie Mae. I mean, think of all the poor graduates who want to use the convenience of ACH debit to manage their expenses, and now they get locked into paying more interest because the life of the loan gets extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Vehicle loan or lease (Loan) with M&T BANK CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I contacted M & T Bank on numerous occasions once I received my XX/XX/XXXX statement and it reflected {$520.00} due with {$62.00} late charges for XX/XX/XXXX. Yes, I was late on my auto loan due to I missed payments in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I paid {$460.00} on XX/XX/XXXX ( normal payment amount {$460.00} ). On XX/XX/XXXX I caught the remainder past due amount up by paying {$880.00} which is the amount a customer service representative told me was the amount due. On XX/XX/XXXX my statement still reflected {$62.00} due of unpaid late charges. I then take a look at the recent transactions on my account online and it reflects I made a payment of {$820.00} and then a payment of {$62.00} that same day. It then shows on XX/XX/XXXX a payment was reversed in the amount of {$880.00} and then the last transaction shows a payment of {$880.00}. I never made a payment of {$820.00} or a payment of {$62.00}. I made one payment in the amount of {$880.00} which was never reversed by my bank. When I asked why it was reversed they could not give me an answer which is also proof M & T Bank is a fraud. The difference between the actual payment of {$880.00} and the payment M & T Bank is stating I made of {$820.00} is {$62.00} that they are saying I am still late for XX/XX/XXXX. I feel M & T Bank is cheating me out of {$62.00}. I contacted M & T Bank once again on Friday XX/XX/XXXX to get credit for the {$62.00} I paid. I spoke to XXXX who could not explain why {$62.00} is showing still as late so he transferred me to his supervisor XXXX who could also not explain why {$62.00} is still showing as late and stated she needed to reach out to her back office department and give me a call back. The first payment for the auto loan started XX/XX/XXXX. If you add up my car notes due from XX/XX/XXXX to XX/XX/XXXX which is {$460.00} per month totals {$4600.00}. If you add up my total payments from when the auto loan was opened til XX/XX/XXXX totals {$4600.00}. Therefore, XX/XX/XXXX 's payment should have only reflected I owe {$460.00} not {$520.00}. I want credit for my {$62.00} that they are saying I did not pay when I clearly did. For no one at M & T Bank to get to the end of my billing dispute is ridiculous. The customer service representatives and supervisors are worthless. I suggest you never take a auto loan from M & T Bank in your life. When you attempt to catch up your loan they still say you are behind and tell you a payment was reversed when it was not. I want a credit of {$62.00}.

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 03-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Transaction issue

Complaint: I wanted to make a purchase that was more than my credit limit. I contacted the company and was told that I should pay the amount of the purchase to them in advance, then they would approve the over-limit purchase. I sent an EFT that was credited to my account. When I tried to make the purchase, the charge was declined and FIA Card Services told me there was no way to approve a purchase over my credit limit. I asked them to send the money back. So far they have not done so. They are keeping my money ( {$50000.00} ) under false pretenses.

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 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i opened an account with XXXX XXXX SERVICES on or about XX/XX/XXXX.Upon request after request XXXX XXXX has failed to provide accurate and correct info regarding the initial deliquency for this account to the XXXX CRA.I have supporting documents such as billing statements and a complete payment history from XXXX XXXX that states this account first became deliquent on or about XXXX XXXX, but XXXX is reporting to the XXXX CRA that the account first became deliquent in XX/XX/XXXX.I call this re-aging.I was promised by XXXX XXXX that they would fix this problem but to date they have not.i am beind denied from other retail stores because of this and this is causing me extreme harm to my credit worthiness.And this is also causing this account to remaing on my XXXX CRA longer than it should be.Furnishers should by law report correct information, but XXXX XXXX for whatever reason is not.The XXXX CRA 's keeps telling me this account will not come off until the year XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cohen & Slamowitz LLP in XXXX NY somehow obtained a default judgement against me for {$4700.00} in XXXX county Supreme court. Acting on that judgement ( alleged service made 10 years ago ) my checking account was seized ( XXXX in XXXX NY ) The account contained XXXX+-. As is common, the entire account was frozen. Then Slamowitz got another judgement for the total amount in my account and the entire amount was frozen for the last year. I investigated this claim and found that Slamowitz contends that service was made at an address ( XXXX XXXX XXXX, XXXX NY ) at which I never lived. I have no knowledge of this debt, and as a former XXXX XXXX, I know what a " Sewer service '' is. They claim they are representing " XXXX XXXX '' who apparently purchased the alleged debt from XXXX, On XXXX XXXX, 2010, XXXX, XXXX, UT was closed by the Utah Department of Financial Institutions. THIS DEBT IS TOTALLY BOGUS, and I contend that the seizing of my funds from XXXX amounts to little more than theft. The " Service '' was fraudulent and the judgement should be vacated forthwith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (CT).
Issue: Using a debit or ATM card

Complaint: A debit card dispute was made on or around XXXX with Suntrust for a transaction in the amount of XXXX XXXX XXXX. As explained to XXXX, the online chat rep who took the dispute information, XXXX items were ordered and only XXXX arrived. The item that arrived is incorrect and was returned, tracking information was provided and again here, XXXX. The package was delivered on XXXX and Suntrust should know this as number was provided to track. The phone rep I spoke with today said case is still pending, however, I received a form today requesting information already provided to XXXX via live chat and was just detailed above. The rep was also advised XXXX did credit XXXX item, still waiting on credit for second item returned, no mention of needing any additional information. I do not know why I was sent form requesting same info which was already provided. I was charged XXXX overdraft fees relating to this charge, I was told both would be credited back upon outcome of case, however, they seem to request same information which was provided to XXXX and here.

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 11/19/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Transaction issue

Complaint: Invalid charge not refunded. Bank demanded credit slip. No credit slip was issued. No receipt was ever provided or signed. Citi refuses to refund.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to protect some of my most personal/sensitive information with their recent mass-leakage. A company like this should be held to the highest of standards when it comes to data security. This type of leakage is just plain unacceptable -- it should *never* happen with a company like this. Now, I will have to commit hours of my own personal time to mitigate my own risk and I definitely lose sleep over this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing , Inc has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/2015 I filed a proper dispute on an unknown medical account with Equifax. On XXXX/XXXX/2015 I received a response to my dispute stating that they have researched and verified the collection account with XXXX XXXX. I then contacted the XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Equifax, re-disputed to Equifax with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute, which they received on XXXX/XXXX/2015. On XXXX/XXXX/2015 Equifax responded with an improper/incomplete dispute verification and have not delivered any proof to me as requested. I have not received any validation from XXXX XXXX. Equifax 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Equifax has also failed to denote this account as in dispute. Equifax is the only credit reporting agency that is erroneously reporting this unknown account on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything

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 06-04-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: I have funds in my paypal account, and they will not release my money until 180 days. MY account #  XXXX  XXXX  XXXX . I have {$440.00} in there.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Other mortgage) with NATIONS LENDING CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: I have a section XXXX voucher and applied for a mortgage loan with nations lending. They had me go through full underwriting before they would attempt a preapproval, even though my credit was good. They ( XXXX XXXX ) finally ( after 4 weeks ) pre-approved me for a USDA guaranteed loan for {$130000.00}. I ran the numbers myself according to the XXXX technical handbook ( I used to work XXXX ) and got close to {$200000.00} for a proper loan amount. I questioned them on this, even sending them the links to the USDA handbook, and they ( XXXX XXXX, XXXX 's manager ) DROPPED my pre-approval to {$110000.00}! I think they are doing this because I am a low-income, XXXX borrower using government assistance, and that I have a large family of XXXX. XXXX mentioned that the amount lowered " after running it through automated underwriting '' but the XXXX handbook says specifically, in our situation ( where the XXXX voucher is paid directly to the lender and does not pass through the hands of the borrower ), that underwriting must be done by hand, so I KNOW he 's lying because I already sent them the instructions they were supposed to follow. I do have emails that outline all of this that I can forward to any investigator. I do n't believe it was appropriate to make me go through the full processing and underwriting before they " pre-approved '' me ( I 'm sure they do n't do that for OTHER borrowers ), I know they are n't processing my loan correctly, and I know they are n't following very clearly spelled-out rules the XXXX has for this loan. I do believe they are either trying to get me to NOT buy a home at all ( it would be exceedingly difficult in this area to buy a home large enough for XXXX people on {$110000.00} loan ) or trying to mitigate their own lending risk ( which would be illegal to give me different rules governing my loan application that they do not apply to others. ) If anything, with the good credit I have, limited obligations, and a very stable income ( XXXX ), plus the Section XXXX voucher to help me pay the mortgage, I should be a BETTER candidate for a good mortgage!

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 05/23/2017 about Mortgage (Other type of mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Trouble during payment process

Complaint: my grandmother and i applied for loan modification ten years ago different lenders took over loan also i recieve check from florida hardest hit program the balance remain o ve one hundred thousand dolla rs the mortgage company has falsely reported me into collections my uncle and i are being harassed we submit payments every month the balance remain same ov er hundred thousand doll ars we are  XXXX  the principle almost at  eight perce nt where we could not never pay the mortgage off thanks please help me in this matter

Company response to consumer: Closed with explanation