milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (IA).
Issue: Billing disputes

Complaint: I sent multiple faxes and called over 25 times to Navy Federal to dispute IR/Late Payment charges ( on a frozen account due to formal open complaint with CFPB ), repair request with credit bureaus and re-activation of my credit card. This whole process started way back on XXXX/XXXX/XXXX and I have had to escalate and talk to several different departments, but that did n't resolve the issue for months. I was n't getting resolution so I filed a complaint with NCUA ( National Credit Union Association ) they do n't handle this type of dispute. So they forwarded my case to the CFPB during that time Navy Federal did credit my account, but has not fixed the mistakes on my credit report and closed XXXX credit card accounts. I received a letter on XXXX XXXX, XXXX from a different underwriting department stating the account was closed due to in-activity. There has been no activity because the account is frozen until the open CFPB disputes are resolved. After crediting those accounts they 're still not open and did n't repair my credit report. I have documents showing negative entries on my credit report and my submission to the FTC and NCUA. To exacerbate all these issues, last month ( XXXX, XXXX ), Navy Federal decided to re-activate the account internally ( though I still have no credit limit and the card is essentially frozen ), and now ( without my knowledge or consent ) another unknown XXXX department decided to start charging me late payment fees and IR changes. There have ben no charges on this account for over a year as the account is frozen. And for some strange reason, Navy Federal decided to add more issues to an already large systemic issue related to my current open complaints.

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, My identity was stolen and I've been trying to fix it by talking to the company and credit bureaus with no assistance. XXXX  is fraud, and so is the XXXX XXXX account. If someone could please help remove these fraudulent item from my account that'd be greatly appreciated. This has brought my life to shambles.

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 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.

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 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i have a judgement on my credit report that i was unaware of from a credit card company ( XXXX ) in XXXX they tells me they could not find me so they went and put a judgement on me, how 's that posisible? also a foreclosure is showing on my report. all this somehow from the ( sale of my home in XXXX XXXX. ) the judgement in XX/XX/XXXX-the foreclosure in XXXX XXXX mind you i sold the house in XXXX XXXX and moved from XXXX to XXXX with fordwarding address with the post office. why could they have not been able to find me? ( XXXX ) now i have deregotory things on my public records section of my credit report that is inaccurate and is keeping me from buying another home, after lossing my employment in XXXX, after 3 years i had to sell my home. how do i clear this up?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not request or give any information towards me.

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 12-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 've responded to Equifax by faxing my information they requested on XXXX XXXX, 2016 four different times to the fax number of XXXX and XXXX. I followed up on the matter and received no resolution. I spoke to a XXXX from the office of consumer affairs on XXXX/XXXX/16 and was rudely talked too and loud talked to the point, I could n't get a word in and got hung up on. I 've followed up again on XXXX/XXXX/16 and received the same rep and received the same level of service and got hung up on again. I totally feel discrimated and mistreated by the office of consumer affairs and its employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Step 1 : What is this complaint about?
This week Equifax announced the massive data breach. Using their site they confirmed that my information was compromised.
Step 2 : What type of problem are you having?
My social security number and other credit information was improperly handled.
Step 3 : What happened?
Equifax was hacked and my information was leaked.
Step 4 : What company is this complaint about?
Equifax Step 5 : Who are the people involved?
143 million people

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Company has taken out multiple installments on one pay period, causing my account to overdraft. Company did this without any input or communication with me. I tried calling the location where I took the loan out, Check n GO in XXXX, CA, but that location is out of business. I called the customer service number on line for the compnay, they told me they only serviced loans taken out online. I lodged a complaint to them via an online customer service portal, and they have yet to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Bank account or service (Savings account) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Problems caused by my funds being low

Complaint: I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. 

As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (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: On   XXXX   XXXX    2017  I b ought a   XXXX   XXXX   XXXX   from a company named " from  XXXX  '' the order arrive 9 days later after being stuck in  XXXX  customs for a week. When the order arrived the box was damaged ripped from one side and inside instead of the   XXXX   XXXX   I ordered there were some supplement pills. I contacted the seller and they refused to refund or exchange or help in any way. They said there 's nothing they could do. I contacted capital one do file a dispute against the company however they decided on the sellers favor because their terms state theha rent responsible for lost or stolen packages or wrong items being shipped what is this ridiculousness?!?!?!?! The web site from  XXXX  is in  XXXX  and it 's hard to use it and very sneaky with their insurance process and policies they are basically hidden! Not only did I get re-billed but I also send the merchandise I received back to the seller so I got left with nothing! Cap ital one custo mer service was horrible as well! They took 95 days to get back at my and notify me I was missing document for my dispute!! 90 days is already the deadline for resolutions on disputes and last minute is when they were " trying '' to help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my EXPERIAN, EQUIFAX AND TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiries conducted by ALLY FINANCIAL ( Tel : XXXX ) on XXXX/XXXX/2016. I did not authorize employees of ALLY FINANCIAL to review my credit report for nay purpose at any time. Further, I personally contacted this company and requested that they provide me with any signed documents authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my Civil rights under FCRA and PRIVACY RIGHT. As a direct result I have continued to suffer irreparable economic loss due in large part to the gross negligence of ALLY FINANCIAL acts and Omission.

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 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX It has been since XXXX XXXX, 2015 that I first applied for the refinance. As of today, no decision or counter offer has been conveyed to me. It 's not a new loan and I am not a new customer to Citibank ; my home loan is currently with Citibank and has been for the past several years. 
Each week, you have requested something, and I have provided the item requested ; I would then get a phone call requesting the same item. My response was, " it is in the email that I have sent you. " I have sent an email last week, requesting a response, to no avail. 
I find this process and lack of responsiveness unbelievable. At this point, I believe this lack of responsiveness should be elevated to a Manager, as well as the OCC because I am complaining very loudly regarding the treatment or lack thereof by Citibank. 
Unfortunately, your email to me is very misleading, the service in neither smooth nor easy. And the customer service is very poor, which is in direct contradiction to the statement in the Citibank email. 

XXXX So, since I have sent the above email, the Manager is working on my file, asking for the same things previously provided and a new loan number was issued, but no new disclosures. This is a consumer transaction. I sense compliance violations. 


XXXX Last week, I have received a call from the new loan processor regarding obtaining proper insurance needed on my refinance loan with Citibank. My comment to her was, my loan is currently with Citibank, and they have forced placed the proper insurance needed and is charging me each month. 

XXXX Now today, I get a call and she tells me that the insurance ( that Citibank has forced placed and charged me for ) is unacceptable. My problem is Citibank has forced placed insurance on my loan, and now Citibank is telling me that the forced place insurance is not acceptable. If the insurance is unacceptable, why is Citibank charging for something that is not needed. 

It has been more than 3 months for Citibank to make any kind of decision and to process a refinance request where the existing loan is with Citibank, and now the forced placed insurance by Citibank is unacceptable by Citibank that I am paying for. 
Dealing with Citibank is a NIGHTMARE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Was never late on payments ... needed a extension of XXXX payment because or the IRS payment. on payoff day it was outrageous amount of XXXX ask for a settlement amount because i had already payed the principle part in full immediately I never could get payoff. they never sent my title for 3 months and filed this report did not say or warn me this could or would happen. Or I would have paid the STUPID {$280.00} for there cheap shot. and its 6 years NOW

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: After being lied to by an account specialist and then disrespected by a senior manager. I have overdraft or debit card privileges, to be honest I have overdrafts my account a few times but have numerous deposits that are automatically deposited in my account every month, I use those overdrafts on my debit card when I absolutely just have to and generally it 's on a bill. I was never notified that Chase Bank had made the decision to stop this after this account has been open more than 3 years. I pay my dues and even more from their fees that they benefit from, I find this unfair and kind of discrimination towards certain customers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ditech Financial LLC, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted Ditech on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to Ditech Financial. On XX/XX/XXXX I was contacted by Ditech Financial by a  representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that Ditech Financial had reported my account as Deliquent 30, 60, or 90 ...
Now my Credit Score went from XXXX to XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, Equifax and XXXX because of my vehicle loan issues and disputes.
Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice.
Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %.
The full payment was debited from my XXXX XXXX XXXX  Checking account.
I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with XXXX.
Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender?
I am XXXX XXXX and Retired.
Notice : My XXXX  Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings.
On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan.
I am a Military Veteran, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Payday loan) with Delbert Services (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a call from XXXX XXXX stating that they are collection from XXXX ( Delbert Services ) and I oweXXXX. They have called XXXX, home, cell and now work, which I work for the Federal Government. 
XXXX my cell, XXXX, brother-XXXX and now my work number XXXX. Request information about the company and she refused to provide any information she started yelling at me so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CO).
Issue: Making/receiving payments, sending money

Complaint: I entered a Chase bank in my city to change a {$100.00} dollar bill into XXXX {$20.00}. I was told that I needed an account at the bank in order to do this. So I went down the street and got change. 
It this an illegal bank policy?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through Huntington and had setup a checking account with them as well for the purpose of having a Direct Deposit into the account in the amount of my mortgage to be swept out each month to satisfy the terms of the note. I received a call today from Huntington. After verifying who I am and saying she was with Huntington the very first question the rep asked me was " Do you have intentions on keeping your home at X address? ''. As it turns out there was a error with the online $ transfer from the checking account to pay the mortgage. I immediately gave her a check over the phone. When I asked why she would ask such a question the rep said that is how they are trained to start the call. This is a psychological game meant to infer that the bank has intentions of me NOT keeping my home. Its reprehensible to use such tactics on customers. I requested her supervisor who I was transferred to, XXXX, who confirmed that is how the reps are trained. He preceded to be trite and rude, but I 'm less concerned with the poor choice in supervisor staffing than I am with a large financial institution using psychological scare tactics in their call scripting on a massive scale.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with U.S. BANCORP (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Explanation of complaint : I was using the atm machine to deposit three checks totalling around {$3300.00} ( Paycheck through XXXX XXXX, Check from XXXX XXXX and a Check from XXXX XXXX XXXX ). I told the US Bank Staff Representative on site. The staff member told me they will give me a provisional credit in 10-business days, investigate my account and have a solution to me within 45 days. After complaining on XX/XX/XXXX and again on XX/XX/XXXX when they called me back that there was nothing they could do, they did agree to waive any of my overage fees. To me this is unacceptable. I could see it taking 3-5 business days, but 10 business days is unacceptable. I will have to incur credit card debt and other penalties from other agencies that may have auto-withdrawals with my account. Some of the money is repayment for a vacation house that we reserved and will be penalized for in interest fees.. I would appreciate any help you can give me, and I know that other poorer people could lose more than the interest and penalties that I can afford to pay.

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 09-12-2016 about Credit card () with DISCOVER BANK (WA).
Issue: Credit card protection / Debt protection

Complaint: This complaint is with my Discover card account. I had n't used my card in over a year. In XXXX and XXXX, 2016, i had 2 automatic payment deductions from my bank account, as i had auto pay set up. Since i had not used my card, I contacted Discover card and found a fraudulent charge in XXXX 2016 from Intertrade corp for {$100.00}. They closed my account, issued me new cards and stated i am not responsible for the fraudulent charge and subsequent payments. They provided a credit on my new acct. of $ XXXX+ for the XXXX charges against my bank acct. I used the card to bring the balance to almost XXXX. Then Discover keeps putting the {$70.00} charge back on my card. Each time, ( 6 times contacting them about the same issue ) they reverse the charge stating they have no idea why it keeps getting put back on, as the entire transaction was fraudulent to start with.I last spoke with Discover on XXXX/XXXX/2016 about this, on XXXX/XXXX/2016 my balance was again brought to near XXXX. On XXXX/XXXX/2016 the {$70.00} charge was back on my card. I am calling them tomorrow ( XXXX/XXXX/2016 ) for the 7th time regarding this fraud charge. I have no faith in their ability to resolve this matter. I want to have this resolved, so i can close this account without negative repercussions on my credit report. Any help would be greatly appreciated, as i am getting nowhere speaking to their customer service.

Company response to consumer: Closed with monetary relief