milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Closing/Cancelling account

Complaint: I have XXXX credit cards with Citi Bank ( XXXX I use a lot, the other not so much - them being identical products ). I have been asking Citi to consolidate the XXXX cards for YEARS, they never did. Now, I called 3 days ago to see if the less used card can be converted to a Costco credit card and I was informed that it can be on the XXXX of XXXX 2016. I was going to call Citi for that today, when I noticed an email this evening that my card ending in XXXX had been closed ( credit line of $ XXXX ) for no reason. 
I called Citi and they told me they closed it for non-use. I was NOT disclosed any such terms when my Double Cash cards with new Terms and Rewards were issued to me last year. I was then told, oh maybe not when you got a new product, but they were disclosed to you maybe 5 years ago and of course they can not evidence that. I thought all products had their specific XXXX & XXXX and had to be disclosed ...?? 
Anyway, my card which was open as of this morning has been closed and with me calling within 12 hours of such closure, they want to pull my credit bureau report as if I was applying for a new account! And Citi does n't understand what reducing someone 's bureau by {$20000.00} does to their credit score?? 
Why would I want my bureau to be hit? I have another account - XXXX with Citi with a XXXX line, on which I spend a decent amount annually so it is not as if Citi does not know me or has a bureau report on me already!! They are holding a customer hostage telling me that my {$20.00}, XXXX credit line will vaporize from the bureaus tonight if I do not follow their way. My intent was clear wherein I called 3 days ago asking for a different product which I could use in lieu of this account, I could have also been informed and I could have taken remedial action in time. 
I would love to sue Citi on various points of contention above but mandatory arbitration saves them. I 'd rather have CFPB read this and figure this out for Citi 's 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 non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a voice message this morning XXXX/XXXX/16 at my work place regarding some documents that will be forward to my workplace legal dept, payroll and myself to GARNISH MY WAGES ... I called the phone number that was left and it belongs to a law firm- XXXX and XXXX XXXX XXXX. The Rep stated this is an old account from XXXX 's. I had an account with XXXX 's but that has been paid more than 10 years ago. This is the first time I heard of XXXX trying to collect a debt I do not owe. I need a thorough investigation to be done as the account with XXXX 's has been paid off before they went out of business. The file # provided on the message was XXXX. Thank you for reviewing and stopping these scammers.

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 12/18/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago Equifax acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for Equifax and XXXX Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (NY).
Issue: Struggling to pay mortgage

Complaint: After a year of help from a non profit organization I was filially giving a modification on my montage, after all three trial mod payments were made in a timely fashion the bank denied the modification. There reason was lack of paper work despite serval communications that we had wi th the mortgage specialist. I am putting in a complaint because I feel I did everything they asked of me and was  still denied

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 12/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my reports in XXXX, upon that I found numerous inquiries and fraudulent accounts on my reports. I contacted the Equifax and they told me I needed a police report. I went to XXXX office filed a report. Once I received the report I was told to fax it in to Equifax, XXXX. I was told that the items would be deleted and removed. However upon opening my XXXX bank account, I found out my score was a 401 due to collections from the fraudulent accounts that were deleted. They have been reinserted after being removed. When I called back in XXXX I was told another investigation was to be opened because the company had sent them ( Equifax ) placing the item back on. I then asked to speak to a supervisor he was extremely rude and stated there was nothing he could do because I had to do another disputes. As of yesterday XX/XX/XXXX I sat on the phone being switched from one agent to another then left on hold for 2hours and 15 minutes. Equifax needs a better system if you are a victim of identity theft these companies should have to provide verifiable information that account is properly accessed to the right individual. I would like for Equifax to make these creditors provide accurate information for my reports and if they ca n't delete and remove those items and send a reconsideration letter to my bank saying that it was an oversight on my reports of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a debt on my credit report that does not belong to me, the credit report had removed it as they can not validate the debt, but to my surprise two weeks ago they added the debt back to my account without given me a written warning nothing to validate that this debt is mine. The credit bureaus continues to violated my right. I need help as I would like to take them to court for failing to validate a debt but then placed it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Consumer Loan (Vehicle loan) with Chaparral Inc (OH).
Issue: Managing the loan or lease

Complaint: I am a co-borrower a car loan with my ex-husband ( XXXX XXXX ). The car was bought XX/XX/XXXX.At first, I was paying half on the car. My ex could no longer make the payments werein XXXX XXXX ( formerly known as Northcoast Financial Services ) contacted me for payment. I began making the entire payments, XX/XX/XXXX. XXXX, took my ex husband off of the white title but not the loan. XX/XX/XXXX I tried to trade the care in and when they ran my credit it was found The finance company has never submitted to the Credit Bureaus my payments. I I contacted XXXX and spoke with XXXX XXXX, who assured me that it would be taken care of by XX/XX/XXXX. n the meantime, three days later I followed u by sending Dispute Letters to all XXXX Credit Bureaus and a Registered Letter To XXXX XXXX XXXX . XX/XX/XXXX I went back to the same Car Dealership and was told the car was still NOT ON MY CREDIT REPORTS. I again contacted XXXX XXXX and again he assured me it would be taken care of. In the meantime, the Credit Bureaus never addressed my disputes so I turned to the XXXX and am working with XXXX XXXX. XXXX XXXX has been in touch with her via emails and they keep giving her different dates of when the issue will be resolbed. I think they keep changing the date because I either made my last payment XXXX XXXX or it will be XXXX XXXX so they can deny the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Credit card () with PAYPAL HOLDINGS INC. (NC).
Issue: Billing statement

Complaint: My complaint is with PayPal Credit Services and about their business practices related to easy access to and disclosure of " PROMOTIONAL BALANCES '' information in their consumer website. PayPal Credit offers 6 months, NO INTEREST, option with most merchants, for purchases above {$99.00}. This is great, HOWEVER, when the consumer goes to their PayPal website to manage their account and PROMOTIONAL PURCHASES, there is no easy, clear way to find a link to " PROMOTIONAL BALANCES. '' This makes it nearly impossible for people to quickly check the expiring promotional balances and manage them appropriately so that the accumulated interests are not charged at the end of the period when they have missed the deadline. Any other of the several credit providers I deal with, have this SO VERY IMPORTANT ACCESS to my account information not only readily available, but also it state how much has been applied to that particular promotional purchase, how much is owed and when it expires. Since I have complained to PayPal about this issue several times now, and they have updated the user interface on their website since then, it is very difficult to not think that this is being done on purpose and to keep the consumer unaware of the expiring balances to then collect the accumulated interest rate. PayPal is failing to provide clear disclosure and easy access to my PROMOTIONAL BALANCES status ; a product that they offer as a " benefit '' to the consumer with conditions of payments or else penalty will be applied. Please understand that this information is there in the website, somewhere buried. I have gotten to it, but I could not tell you how. I also understand that this information is in the full statement which I would have to go to the statement, download it, to then see it. Please understand that I know the information is there somewhere, my complaint is that it should be READILY AVAILABLE WITH A LINK TO " PROMOTIONAL BALANCES '' ON THE OPENING/SUMARY PAGE. They have a VERY CLEAR, EASY LINK ON THE MERCHANT WEBSITES offering this product. WHY NOT DO THE SAME ON THEIR CONSUMER WEBSITE for consumers to be able to manage this commitment? For the busy lives today, it is crucial to be able to take care of these important aspects of life quickly and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: My dept. Was transferred electronically to a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a debt from Hunter Warfield ( bad reviews ) - I need to see proof of this debt - their telephone # XXXX - address XXXX XXXX XXXX XXXX - XXXX FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I contacted chase at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX XXXX {$1800.00} PAID XX/XX/XXXX Chase updated the accounts at XXXX, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and Chase has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XX/XX/XXXX as samples.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I 've submitted a request for mortgage modification and current financials to my mortgage company Fay Servicing several times. I have received a property foreclosure sale notice for XX/XX/2017. Faye servicing is currently processing my modification request and they have not postponed the property foreclosure sale. I want to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my loan which closed on XX/XX/2016. The funds were wired into Stearns bank account on that day. I have been overcharged for XXXX PMI payment for the month of XX/XX/2016 and have n't received my taxes of {$1400.00} both from my escrow account. It 's odd that in the past Stearns paid my taxes in XX/XX/XXXX and now they are saying they paid them in XXXX XXXX early?? ) XXXX XXXX records show and have told me personally that the tax payment for my XX/XX/XXXX bill was paid by XXXX The payoff amount that XXXX paid Stearns matches the payoff statement by Stearns but Stearns posted a lessor amount on my statement as well. No dates, numbers match in these documents at all. I 'm being overcharged, they are committing fraud and I would like my 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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed chapter XXXX bankruptcy on XX/XX/XXXX.XXXX/XXXX was one of the Creditors in the bankruptcy.A few years ago every creditor i filed chapter XXXX bankruptcy against has disappeared on my credit reports except XXXX/XXXX.Currently my credit reports shows Michigan XXXX XXXX under Public Records and XXXX/XXXX under closed accounts.No other creditor i filed bankruptcy against is on my credit reports except XXXX/XXXX.Ive tried disputing on all credit reports and even called XXXX to remove under closed accounts, but for some reason they wont.Currently, My XXXX report shows : Date opened : XX/XX/XXXX Balance:XXXX Pay status : Account included in Bankruptcy, closed account Date Closed:XX/XX/XXXX Date updated:XX/XX/XXXX Last Payment made:XX/XX/XXXX High Balnce:XXXX Credit Limit:XXXX Remarks : Chapter XXXX Bankruptcy ; Acct info disputed by consumer ; closed by credit grantor I have takened all steps to resolve my issue with XXXX/XXXX and cant get them to make corrections.Its like they are punishing me for filing chapter XXXX bankruptcy against them

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 11/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a fraudulent account on my credit report, the XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Payments are applied incorrectly, going to interest not principle. Additionally, the website is incredibly deceptive with the information it provides to borrowers. It is difficult to find out any information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received letter from CMR Financial Services , Inc, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX stating {$270.00} is owed XXXX XXXX XXXX XXXX XXXX ... this amount was written off by my insurance and this is an attempt to pay a non existent amount.

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 05-03-2016 about Consumer Loan (Installment loan) with National Credit Adjusters, LLC (TX).
Issue: Shopping for a loan or lease

Complaint: National credit adjusters, they think I have a non re payed loan with them. I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion or the collection agency, XXXX XXXX XXXX, readded a collection that was previously deleted without my knowledge. It is against the law to delete then re-add a collection to the credit profile without first giving a 5 day notice in advance. XXXX XXXX XXXX ( XXXX XXXX XXXX ) deleted their collection on my credit file on XXXX XXXX, 2017. It was re-added back, under the same collection agency, a few days later. I was not given nor did I receive a notice in a the mail or email about this collection being re-added to my profile. I do not own this collection.

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. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: One of the Employees at Equifax has violated Federal Law and perhaps local law by DELETING my credit file AFTER I have filed complaints with this Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I attended XXXX XXXX University in XXXX of XXXX. My loan was for XXXX I never attended XXXX XXXX in XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: This complaint is in follow-up to CFPB Complaint Number XXXX. 

The response from Bank of America does not address the original complaint. While Bank of America can release the joint account information ( accounts ending in XXXX and XXXX ) to the other co-owner of these accounts, I did not give Bank of America permission to release my personal account information ( accounts ending in XXXX and XXXX ) to any third party and Bank of America has not proved otherwise. 

My disputes with Bank of America 's response are as follows : 1 ) Bank of America provided a signature card for the account ending in XXXX showing joint ownership for this account. This fact is not in dispute. Bank of America did not show signature cards for the accounts ending in XXXX and XXXX which were personal accounts opened in XX/XX/XXXX and closed in XX/XX/XXXX. 
2 ) Bank of America provided a Deposit Agreement and Disclosures document, effective XXXX XXXX, XXXX. The accounts and bank statements in question were all opened at the same time in XX/XX/XXXX. The XX/XX/XXXX rules were not in effect in XX/XX/XXXX. 
3 ) The consolidated statements that list all XXXX accounts was created by me for my personal convenience, doing so did not Bank of America permission to release private account information to any third party. The consolidated statements were addressed and mailed to me monthly XX/XX/XXXX through XX/XX/XXXX. These consolidated statements were never shared with the co-owner of the joint account because that person was not entitled and still is n't entitled to my personal account information, doing so eight years later is a breach of identify theft. These consolidated statements unless redacted of all personal financial information can not be now sent to a third party, eight years later without my consent.

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