milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Rewards

Complaint: I applied for the Citi XXXX Visa XXXX card in late XXXX 2016 under an advertised promotion to earn XXXX XXXX bonus points after making {$2000.00} in purchases within 3 months of account opening. After completing the required spending in two months, the points were not credited. On XXXX, Citi responded to my inquiry via email pointing to the current language on the company 's website stating the promotion is not available to existing Citi cardholders. The exclusion language was not on the Citi 's website or card 's terms and condition when I applied for the card. I responded to customer service and offer to mail/fax/email in screenshots of the promotional offer and terms and condition captured at the time I submitted the card application. Citi still would not honor the promotion with the screenshots stating the current language on their website override all previous offers. I called customer service on XXXX/XXXX/16 and spoke with an associate and a manager. Both reference the same current website language and ignore the previous offer. The manager XXXX XXXX XXXX XXXX even stated that he believed me when I said the language may be missing from the website at the time the application was submitted but the 24 months exclusion have always been the rule for the more than 5 years since we work at Citi. If the exclusion language was not present when the application was submitted, I should receive the promotion offer and should not be subjected to new terms and conditions that were displayed after the account was created. Citi is reneging on the original offer with recently added terms and conditions.

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 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I subscribed to The Nation magazine last year and decided not to renew my subscription. Since then, I 've gotten several letters from The Nation about my " outstanding debt '', threatening to turn the matter over to a collection agency. Today, I received a letter from a 3rd party collection agency North Shore Agency demanding payment of {$18.00} and threatening to consider the debt " valid '' if I do not respond within 30 days. 

I realize that print newspapers and magazines are in dire need of subscription revenue these days, but to resort to threats and intimidation is unacceptably aggressive marketing. Please put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX XXXX XXXX CA during XX/XX/XXXX -XX/XX/XXXX. I remember signing for loans and creditors constantly change their name. High interest accrued daily and failed to provide students with repayment options. I was pulled out of class constantly to sign for loans and was told you have to sign right now or else we are going to drop you out of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with Automotive Credit Corporation (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Ive tried calling the company to find out why my balances have changed and Ive sending in my payments and they have been very rude and unprofessional with releasing info to me and they been doing thing to mess with my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Cause of DIL : In XX/XX/XXXX, due to my father 's illness, I became the caretaker for him. In XX/XX/XXXX, my father lost his battle with his illness and died. During the aforementioned time, and with the downturn in the real estate market, we were unable to manage the affairs associated with our investment property. In addition, the tenants stopped paying their rents and we were not available to take them to court because of caring for my father. I could not afford to hire a property manager ; therefore, our financial problems became unmanageable, both personal and business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: On XXXX XXXX, I received a letter in reference to my Chase Slate Credit Card stating that they are rising my Purchase APR and Balance Transfer APR from 7.49 % to 12.49 %. I have had this credit card for 18 years, never late, never over credit limit and my credit score has always been above XXXX. In the 18 years in having this credit card they have changed to card from fixed rate to variable rate. This is second change they are trying to make my card in the last 6 months. First they tried to reduce my available credit from XXXX down to XXXX. They say the changes are to reflex the rates for new credit card accounts. They have no answer to why I'am being penalize. I have 18years credit history with them. I have XXXX other credit card accounts 25 years and never I have the rates gone up. Being a person of XXXX I'am tried of banks doing what the want all the time. You sign an agreement when the deal is no more good for them they change the terms to suit themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion, XXXX and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on Transunion it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, Transunion, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ocwen has claimed that it is passion of a claimed interest in the XXXX 's ( Petitoner ) property. Ocwen has falsely misled and used fraudulent actions to claim that they have and are in possession of an original note and mortgage but Ocwen 's records on numerous accounts have shown differently. Ocwen has fraudulently initiated foreclosure and debt collection proceedings falsely representing that it has the Original note and mortgage when Ocwen knew, should have known buy the account of its own records that it was not in possession of an original note or mortgage. XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed the mortgage document is marked - Unofficial copy '' XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed - no original docs are present. "

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with Selip & Stylianou, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Selip and Stylianou LLP filed a lawsuit against me, claiming they were doing so on behalf of XXXX XXXX. However, the following raises some issues with them suing me : 1. XXXX XXXX said that they charged off the debt and are no longer involved with it ( see attached letter from XXXX XXXX ). How can Selip and Stylianou LLP sue on their behalf if they are not involved with the alleged debt anymore? 2. Selip and Stylianou LLP filed a lawsuit with the Superior Court of XXXX County without ever attempting to contact me about the alleged issues they are suing me for. How can they file a lawsuit on someone without once attempting to contact the person to resolve the matter? 3. Selip and Stylianou LLP continue to send me papers DEMANDING answers to use in court regarding the issue but have not sent me any verification that I have asked from them as well. They have no returned any responses to letters I have written them, phone calls, or voice messages.

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 10/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: On Thursday XXXX XXXX, 2015 I received a call coming in on my cell phone from ocwen Mortgage. XXXX. The person that left a message was by the name of XXXX calling within the Ocwen Lending Dept informing me that he had my file on his desk and it was in my best interest to contact him before the file was submitted for foreclosure. 
This gentleman could not fluently speak one word of English but not only did he tell me to contact him but he wanted me to call him back at XXXX. After doing research on my end this phone number is listed in XXXX, TX to a XXXX XXXX and on XXXX the phone number is listed as not safe. 

I contacted the person at this phone number and told him off and that I did n't appreciate his phone call. This person did not know how to respond and spoke broken English. I still have his voice mail. 

I do n't appreciate this type of phone call whether it was a SCAM or it was done on behalf of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My XXXX year old mother was recently diagnosed with XXXX XXXX XXXX. As a result, I took over her finances and noticed a recurring charge for XXXX XXXX against her Bank of America account for $ XXXX/mo dating back to 2011. My mother did n't know what this, but I soon learned that BofA had settled with the CFPB for what amounted to over {$700.00} XXXX in total. The problem is that they are still at it. They 're using the trust developed between consumers and their banks over decades to sell worthless services to vulnerable consumers. My mother was ensnared by the practice years before her XXXX XXXX. Her crime was trusting the bank she 's done business with for decades. It 's upsetting. In the 5+ years that she was 'enrolled ', they stole about {$700.00} from her and I 'm sure her story is repeated far and wide. It 's really disgusting. Luckily for us, {$700.00} is not a great deal of money, but I 'm sure it 's a lot for the many other victims.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off

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 07/22/2016 about Debt collection (Medical) with DataMax Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my doctors office and this was supposed to be removed from this company. It was sent to them in error. Yet it is still on my credit as paid but it was filed in error with the company

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 Debt collection (Medical) with Collection Management Company (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Date : XX/XX/XXXXCredit Monitoring Agency : I have noticed that the wrong account of collection was reported to my credit file by Credit Management Company. I want to dispute the wrongfully reported account as it was paid on XX/XX/XXXX. 
When I have received the invoice from Virginia XXXX with wrong amount, I had called their billing dept on XX/XX/XXXX and talked to XXXX XXXX in XXXX office. She asked me to pay the {$300.00} ( the agreed amount ). She told me that she will adjust the account accordingly. I had paid the {$300.00} as per our discussion. ( Pease see the proof of payment and my note on the invoice as summary of our discussion. ) It was paid through card with written memo as full and final payment and Virginia XXXX XXXX processed payment as full and final payment. ( Please ask for card payment signature proof to Virginia XXXX XXXX, you will see my memo ) I have attached the supporting document to support the unlawful. I am asking for full investigation of abuse of system by Credit Management Company to collect money which was paid to original creditor. 
I had paid the full balance of the service received from Virginia XXXX XXXX as per agreed. 
Please see the proof of payment - XXXX bank statement traction of {$300.00} ( Agreed amount ). I have provided the proof of agreement and payment to Credit Management Company ( please see attached latter dated. XX/XX/XXXX to Credit management company ) On the same letter, I had asked to provide me further document to validate excess amount of {$120.00}. 
The Credit management company has never responded to my letter and did not provide any proof to validate the excess amount {$120.00} which they want to collect from me. 
Please feel free to contact me if you need any further information to dispute this account and remove from my credit file. I would appreciate if you remove this dispute account from my credit file. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX EXPERIANAccount has been paid in full by creditor, legally resolved with lawyers five years ago, I told this to the collection company, but they still put on my credit reports. 
Company XXXX Status CollectionsStatus Date XXXX $ XXXX Date N/AAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX companies are buying old credit reports, and are phishing to collect. This should be illegal and companies should be held responsible. These companies should not be allowed to put any negative information on credit reports without a mediator.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America home loans has reported my short sale as a foreclosure. This is severely affecting my credit. I am unable to refinance my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2017. In receipt of another generated response to the complaints filed with WFHM and after providing documents / receipts / Bank statements / direct payments WFHM excluded in their records. The information WFHM provided says nothing new, does not fully explain why they excluded pertinent information and why they are not reporting my mortgage to the credit bureaus. Additionally why WFHM continues to report my mortgage payments as late or not made at all, when they clearly have all of the information, receipts, etc, provided by myself and the Wells Fargo Branches. I have consistently reported this issue to the CFPB only to have WFHM send the CFPB generated responses, with no end result. The other issue I have is that WFHM is directly affecting my ability to re-finance, it also is directly affecting my credit score and ability to obtain new employment. To make matters worst WFHM in sending the incorrect information to re-finance, have directly resulted in a denial. With the information provided ( All Payment History/Month by Month ), WFHM will continually state that the information on their end still has missing payments. It would take a simple phone call to the branches to where the payments were made to resolve this information and clear up any confusion. Resulting in a apology letter from WFHM and compensation of any late fees attached.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My cell phone with my drivers license debit card and social was stolen from the XXXX XXXX in XXXX 2015. I filed a report with the casino and canceled my cards and ordered a new phone. It was n't until XXXX 2015 I got a statement from a credit union I never heard of which made me realize my identity had been stolen.The person had open an account and received a payday loan not to mention applied for cars online. Ive been battling with the credit bureaus ever since. Some of the info has been deleted except the XXXX hard inquires that were not authorized by me. Even XXXX is XXXX and Ive been with XXXX for 8 years. I have a fraud alert and I plan to put a freeze on my credit once I get this straighten out. Please assist me with this matter.

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

Complaint: my information, personal information could have potentially been stolen. now my credit will have to be put on hold and I have to monitor account and buying a home this will stop all my financials issues and keep me from moving forward with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Security questions for Equifax all had to do with accounts opened within the past few years -- I have n't opened any accounts, which makes me worried that someone 's using my identity. But because I ca n't answer the questions I ca n't access the report online!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several hard inquiries from SYNCB/walmart SYNCB/amazon on my  XXXX   XXXX   XXXX  and   XXXX   Credit Report. I wrote several letters to the companies asking to remove these fraudulent inquiries from my credit report, and I was told that those belong to me. I ask for each bank to send me proof if these items belonging to me and i was never sent this information. I am a victim of identity thief.

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 02/19/2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: the car was sticker price XXXX was not on vehicle,, calll XXXX gave them vin, XXXX rebate, XXXX down loan should of been XXXX, the contract was not given to me but was going to be mail out, GM gave me a copy, XXXX total this is fraud, esp when no sticker was on the window, the excuse the sticker was in didnt have one.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was notified by Citi ( Citi Bank ) on XX/XX/2018 that my credit card payment was past due for XX/XX/2018. Both mine and the company 's records show I made a payment on XX/XX/2018. Their caller stated that that payment was not for XXXX, it was for XXXX. Therefore, i owed an additional {$280.00} which included XXXX 's payment, a late fee, and XXXX 's payment just to make the account current again. 

I hung up and called the company direct, given I was notified via telmarketer. I went through 3 individuals and finally ended up with an " account manager '' named " XXXX '' who informed me the same, stating they could not adjust the payment for XXXX because it was made on XX/XX/XXXX and not XX/XX/XXXX. This was due to " Government Regulations. '' They then stated they would " adjust '' my late fees because they were so concerned for me, but only after I made the entire payment, which by the way, included the late fee. This is both deceptive, unethical, and in my view, fraudulent. They then threatened to raise my interest rate arbitrarily and charge more late fees, if the amount was not settled immediately.

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