milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2015 about Credit card () with CITIBANK, N.A. (HI).
Issue: Billing disputes

Complaint: I am a XXXX required to use my Government XXXX Card for travel. I was erroneously charged {$130.00} on XX/XX/XXXX by XXXX XXXX XXXX which provides hotel services on XXXX XXXX. I have stayed at their facility in the past, but I was in XXXX on orders on XX/XX/XXXX and had no plans or travel to XXXX XXXX. In XX/XX/XXXX, I went on official travel and paid my bill including the erroneous {$130.00}. When I noticed the erroneous charge I called Citibank to have it reversed. I saw a credit on bill and waited for a check. When I followed up I was told that my credit was reversed because I did not submit a form. They said they sent me a letter telling me about the form. I never received the letter. While I was on the phone they said they would email me the form, the form never arrived. Then the representative directed me to a website where I was able to download the form. I submitted it and my claim was denied because too much time had passed. I called customer service who referred me to the appeals department where I explained that my claim had been opened for months. Eventually she credited me the {$130.00} and that money was direct deposited to my bank. On XX/XX/XXXX I received a bill from Citibank saying I now owed them {$130.00}!!! They said they reversed my credit because they have been able to get a hold of XXXX XXXX XXXX. They said it was my responsibility to get the erroneous charge reversed! I did not make the charge. I am being scammed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

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 12-06-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

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 04/22/2018 about Credit card or prepaid card (Store credit card) with BARCLAYS BANK DELAWARE (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My credit application was denied in violation of XXXX 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 11/14/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address showing on my personal information in which I 've never resided and I 'm very concerned. 
XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is showing a late payment. When i log on to their credit reporting web site via my membership it indicates that their is a late payment and it is adversely effecting my credit score.  Upon complete review of their report of my entire credit history there are NO late payments to be found! I called Experian and spoke with their dispute center and while i was on the phone with them they reviewed their report of my credit history and did not find a late payment report either, but they did say that a report from XXXX XXXX which does indicates Paid, Closed Never Late, it also indicated early termination/insurance loss, and that JUSTIFIES A LATE PAYMENT REPORT!!!! I disagreed and said it was a leased car which was totaled and XXXX XXXX was paid in full for the vehicle by the insurance company. He said there is nothing he can do and i should call customer service at Experian, which was another waste of time. I CALLED XXXX XXXX AND THEY SAID THEY REPORTED PAID, CLOSED NEVER LATE. They said the reference to the early termination insurance claim simply refers to how the account was closed and paid. They also said that it was ridicules for Experian to take that as a late payment, it makes no sense and there was nothing they could do for me with regard to Experians report. I will upload a copy of the section that shows the XXXX XXXX information. Their reporting a late payment does negatively effect my report and my credit score. I also acquired my credit reports from XXXX and XXXX and there are no late payment reports their either.

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 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Never lived at the address XXXX XXXX XXXX XXXX NJ XXXX. Never had the phone number XXXX. The correct phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2017 about Debt collection (Other debt) with AFNI INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon checking my credit report, I notice a collection agency by the name of AFNI with the original creditor being XXXX in the amount of XXXX. I do not have a contract with this company, therefore they are not allowed to try and collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 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 belongs to someone else

Complaint: I am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA Date Filed XX/XX/XXXX Type Bank XXXX XXXX Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX BANK USA Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WIRELESS-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX 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 06/18/2015 about Mortgage (Conventional fixed mortgage) with Forthright Funding Corporation (TX).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of refinancing a current XXXX XXXX home mortgage with a company called Forthright Funding ( mortgage broker ). They are located in XXXX. I live in XXXX XXXX. I am refinancing to eliminate the PMI. Forthright had the most favorable terms. I sat with a notary signing the papers and the fees had increased by almost {$1600.00}. I contacted Forthright and the told me {$600.00} was extension fees by XXXX ( lender ) This was never disclosed to me. In addition the employee of Forthright did not disclose a {$900.00} fee for underwriting. The employee admitted he failed to include in my estimate. I spoke the the President of Forthright and over several calls he told me he was sorry but they were not going to do anything. He stated he had discussed with his attorneys and they did nothing wrong. 
I want them to stand by their initial fee proposal. The extensions were not because I failed to comply. They also are telling me that XXXX had notified me if the extension fees. They did not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05-05-2017 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XXXX XXXX, 2017, I tired to make an online purchase of {$24.00}. The merchant claimed to have not received the funds and directed me to contact the American Express Gift Card Service Center. I made contact with Amex, not easily as they do not offer an option to talk with a customer service rep and if you press 0 for an operator the menu starts all over again. The only way I was able to visit with a service representative was to select the telephone option for lost or stolen card. You will then be transferred to a foreign country, XXXX???, and then can speak with an agent. I was informed the problem resided with the merchant. I called the merchant and was told they never received funds and something must have gone wrong during submission. I called Amex back and was told I would have to wait 2 -  7 days for the transaction to be credited back to my gift card. It took the entire 7 days to receive the credit. First complaint why tell a customer it will take 2 - 7 days for the credit when they know it will take the full seven days. This is simply a lie!! Meanwhile, once the funds did credit back to my card, this morning I tried to make the purchase again and yet received the same problem! I immediately contacted Amex was told the same lie about a 2 - 7 day waiting period to receive a credit. Of course I argued with the incompetent service reps with Amex as they could not understand the error message of " Return & AVS ''. Please see attached documents showing the same message with each transaction. Amex has no idea how to read their own error message and are completely unwilling to offer average customer service. I contacted the merchant again and sent the print out of card charges and they were able to identify the problem. The statement of charges shows the transaction was returned. I called Amex and they refused to do anything, other than waiting another 7 days for the refund to post. They should clearly credit the card back immediately after seeing the message of " Return AVS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Billing disputes

Complaint: On my XXXX statement I noticed XXXX incorrect charges that were not made by myself or my wife. XXXX was to XXXX on XXXX for {$540.00}. the other was to XXXX on XXXX for {$3200.00}. I contacted Chase to dispute the charges and close the account to avoid further charges. I then contacted XXXX and they stated that the charge was deemed fraudulent and reversed. When I contacted XXXX the gentleman took my info and said I would be contacted within a few days ... No reply ... In the interim I received a letter from Chase, ( see attach ), stating that they had verified the purchase by XXXX, and the disputed amount was to remain on my account. I sent a letter to Chase stating the incorrect bal on my account after reviewing my next statement.. So far no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: In the course of our mortgage loan being purchased by XXXX XXXX XXXX from XXXX XXXX XXXX it was discovered that an additional amount of $ XXXX had not been forwarded or exchanged between the XXXX companies. The end result of their oversight somehow fell to the borrowers. We the borrowers filed a motion with the court to get the matter rectified, with the court ruling in our favor. The court ruled as we had stated that the $ XXXX owing was not as the result of the borrower failing to pay our monthly mortgage amount, but that the $ XXXX owed was to be ratified between the XXXX parties eliminating the borrowers culpability in the matter. Rushmore Loan Management Services purchased the loan and is keeping with the same practice as XXXX and has failed to honor the court 's ruling as well. To date the court 's ruling has been ignored by all parties. With the increase of the $ XXXX added to our monthly payment and the mortgage ballooning to 9 % we were forced to file chapter XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30 a llowable days.

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 09-12-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Application, originator, mortgage broker

Complaint: Over 3 months ago I submitted a loan application with PNC Bank, the process has become a complete nightmare. This situation is affecting economically and emotionally. When I first contact PNC Bank I stated that we needed to short sale a property to a family member. PNC agreed and they let us continue with the process. Upon initial review, they stated that financial situation for the borrower was in order, that the debt to income ratio was satisfactory. When they ordered the appraisal, they assured us that the loan was on track and there were no issues. We paid them {$600.00} for an unnecessary appraisal, unnecessary because the short sale amount was vastly under the value of the home. The appraisal came back and showed water damage to the home and the appraiser incorrectly stated that this was due to a plumbing issue. We had a plumber verify that this but PNC required complete repair of the bathroom before closing. We spent over {$50000.00} for this repair. Then PNC had the borrower purchase home owner insurance prior to closing. Once that was complete, PNC still did not set a closing date because no one ordered a title search. This delayed us further and further. Upon receipt of the title search, PNC began to make an issue about the short sale of the home to a relative. We continued delaying and delaying as we provided more and more requested documents and information. Once this was finished, underwriters decided that the borrower was never making enough money for this loan. Now the last request from underwriters is to have the borrower pay off his primary mortgage in full and increase the loan amount ( undoubtedly to have PNC receive a higher return on this loan ). This payoff amounts to almost {$73000.00}! In addition to close to {$8000.00} in costs incurred for inspections and repairs for a home valued much higher than the short sale amount, they now require another {$73000.00} to be spent before they even consider this loan. None of these requirements were ever pointed out when we initially began this process. 
On top of all the expenses that we had, because of all the delays that PNC caused, another {$7000.00} in costs must be considered due to the increase in short sale price and court costs.

Company response to consumer: Closed
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX  Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XXXX and XXXX XXXX. My account was closed in XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XXXX XXXX XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XXXX XXXX XXXX they posted another late payment to my account for the month of XXXX XXXX, 8 months after the alleged late fee occurred which caused my credit score to  plummet almost XXXX points. Further more the name is reported inaccurately on this account.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

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 10/21/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Rush CardI have been a member of Rush Card since 2007, Prior to Rush Card upgrading there system on XXXX XXXX, there have always been different issues that have come up, and honestly I should have discontinued this service a long time ago. Now since there upgrade this weekend, my card is no longer active, I am being declined when I try using it. I can not take funds from the bank. I can not see my account online b/c the online account does n't come up, and when u call there number it will either keep ringing, disconnect or number invalid. 

I called to check my balance on Sunday, no answer. I kept calling got lucky a little, b/c the rush card automatic system came on, it took a minute but I was able to put my info in through the phone line and it said my balance was XXXX. I need to know where is my money, b/c I had/have money in that account. 

My direct deposit is also scheduled to hit today and when I tried canceling it with my company it was too late, so now all of my pay check is in this account, in which I do n't even know if this *** company is still in business. XXXX XXXX some of us need our money, unlike yourself. I also agree with the last persons review. Your call center reps all need to speak clear English. 

I called the company number and literally fell asleep. Woke up 2 hours later, and I was still on hold with the hold music. As of today XXXX XXXX. I have finally received my direct deposit, but not all my money that was originally in the account. It 's to much trying to get thru, it was n't a whole lot, so once my direct deposit kicked in I have now cancelled the card and service. This is the worst experience and I will never look back at this company. I do want compensation for the inconvenience and would love to be a part of a class action law suit, if one exists or start my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have not been able to lower my monthly payments or remove my co-signer from one of my loans. My private loan is serviced my Navient but I also have Federal loans with XXXX XXXX. I am struggling to make ends meet and this debt is overwhelming. 
Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation