milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: Citi Bank did not reissue me my credit card upon expiration ( XX/XX/2016 ) stating the reason is because I have another account by Citi Bank that is closed and in a repayment program. I had closed another credit card by Citi Bank several YEARS ago and enrolled in a repayment program. This had nothing to do with any other account I have with Citi Bank. My account with Citi Bank is current, and therefore closing one account by MY choice several years ago should not have had a negative affect on a different Citi Bank account, in good standings, several years later. This is unfair and deceptive of Citi Bank to " punish the customer '', as well as adversely affecting my credit.

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 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery One, LLC (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX ky payed a log book ticket after they fired me then sent the amount to a collection company this company really owes me never pay ed me what they owed me they the collection agency is reportng this to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I opene d a Business Build-to-Order Checking account at BBVA Compass i n   XX/XX/XXXX .  I have the original paperwork and it clearly states there are no service charges. I received a letter in   XX/XX/XXXX  th at also confirms there are no service charges.     In   XX/XX/XXXX  , I received a statement dated   XX/XX/XXXX , i ndicating that a $  XXXX  monthly service charge was removed from my account. This was the first letter regarding the account since   XX/XX/XXXX .  The statement describes the account as " CLEARCHOICE FOR BUSINESS ''.     After making a few phone calls, I learned  that BBVA Compass ha s been taking {$15.00} a month from my account for years, totalling at least {$450.00}.     I have been trying for  two weeks to get a statement showing the total amount that was taken from my account, and to get BBVA Compass to  return the money to me. The first week resulted in a branch manager,  XXXX   XXXX , returning 3 months in fees and telling me that was all he could do.     Last week I was directed to communicate with  XXXX   XXXX   at BBVA Compass re garding this issue. Wednesday ,  XX/XX/XXXX ,  I sent her an email requesting an itemized list of fees taken from my account and a refund for that amount. I have not received any communications from  XXXX   XXXX , as of   XX/XX/XXXX ,  other than answering my phone call to confirm she received my email request.     I also aske d BBVA Compass  who changed my account, when it was changed, why it was changed, and why I was not notified of the change. My address and phone number have not changed since opening both accounts. I have also received emails fro m BBVA Compass, b ut never a statement showing these fees.

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

Complaint: I have a loan thru Naviet and went to XXXX college that closed down few months after I finished but never got my XXXX. No one would tell me anything and I have this loan that I ca n't afford to pay back. They keep calling and will not help me lower my payments how I 'm I suppose to pay XXXX a month I 'm a single mom

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After getting married in XX/XX/XXXX, I merged bank accounts with my husband in XX/XX/XXXX. That same day, I updated my bank account information on the Great Lakes website ( Student Loan provider ) in order for them to continue to withdraw money on a monthly basis ( auto pay ). 
In XX/XX/XXXX I logged on to the Great Lakes website, and found out that they never processed the change in bank accounts ; and thus they did not withdraw any payments for the months of XX/XX/XXXX-XX/XX/XXXX. 
Once I realized they had not collected any payments, I paid the full amount right away. However, they had already reported me to the credit bureau, and stated that I was " late '' in my payments for over 120 days. 
I tried contacting Great Lakes and the Department of Education several times, and appealed the negative credit marks stating that was an error on their end. Despite my clean payment history for over 5-7 years, the request was denied. 
It 's worth mentioning that no calls, letters or emails were sent to me notifying me that no payment had been made on my behalf. That would have alerted me that there was something wrong. 
I then proceeded to hire XXXX XXXX so they could help me clean my credit and solve this situation. Appeal letters have been sent over the past several months, but nothing has been done by the Department of Educations. 
This technical error on their end is costing me a low credit score ( that for so many years I so carefully built ), and it is currently impacting my qualifications to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed some information with Experian and I like I said before they only removed some of the misleading information off my credit report. I sent them a identity theft report twice and they are still re- porting this XXXX public item. This is becoming very stressful and very irritating. Please Help

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 09/19/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (ND).
Issue: Problems when you are unable to pay

Complaint: I got behind on my loan, I ask for 7 months can you give me and extension and put 2 months in the back and they keep telling the next month for 120 days. So they decided it was time to repo the car and the company they hired did almost XXXX worth of damage towing it, So a week later I get the car back and it is leaking transmission fluid and there was a little crack under the front bumper that got bigger from driving it. I could n't drive the car due to the leak and the bumper .The repo man found my work shirt from a part time summer job that I worked at the past two summer that I never reported to Capital One and he went to my Boss and told him about the repo after the I got the car back and retaliated against because I complained about him damaging my car. I sent capital one the text and they tried to cover for him saying they do that to find the car, but the I told them it was after the fact and I never reported that job to you or on my credit report and that was violation of privacy laws and you ca n't do that with my personal information. They want me to pay this man for the repo is the crazes thing I ever heard and they will not waive it and I have n't had a car since XXXX and been paying people for rides and a rental car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wells Fargo I had my loan redone by Wells Fargo and there was issues with it and a complete mess. Next I mailed them letters certified time after time had several phone calls for information that would never send. I also got foreclosed on and never received any foreclosed notices or anything. next thing I no I was foreclosed on and cll them and they would say its a mistake. I was calling Wells Fargo on an average 2 times a day some days more than 4 getting sent around to another department like there was no one could never tell me nothing. no one never followed up on nothing. went into a Wells Fargo mort office and they gave me the run around in XXXX CA. 

When I look at my original loan documents on the day they closed there is about 70 % percent of the documents not even sign by me and there was other issues that I bought to there attention but never no truthful answer. 

I have all my documents from the day of closing in the orginal packet they gave them to me and everything that was giving to me when I first purchase the home from Wells Fargo.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a mortgage from quicken loan, they did  XXXX  times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the  XXXX  hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Additional documents attached to support complaints XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Disparity in credit scores still continues. Key factors that adversely affected my credit scores. Serious delinquency, number of accounts with delinquencies, time on delinquency is too recent or unknown. A review of credits reports does not support these adverse comments. There no delinquencies. If there are no delinquencies time on delinquencies are null and void. Several accounts continue to be reported as and adverse accounts or accounts that may be negative. Information creditors are reporting to bureaus does not support adverse/accounts that may be considered negative. Several accounts have inserting bankruptcy comments, which I believe is the reason for reporting as adverse. Public record was a chapter XXXX bankruptcy which was dismissed in 2009. There were never any liens /liabilities against this file. These accounts were never included in bankruptcy. Information received from a creditor reveal that they throw out the high credit score and the low credit score, using the middle score. Based on their processing, I missed the cut off by XXXX points. Why do credits continue to use credit bureaus information as gospel?. Believe the creditor should communicate with customer before making any decision on an application. Creditor questioned why is there such disparity in my scores. scores. This question has been asked with responses from the credit bureaus. Why do the credit bureaus have such power to dictate who is credit worth or not. In response to my disputes, the end results are that information is accurate and will no longer investigate. Their re investigative results are verbatim Like they copied and pasted their results from previous investigative results. XXXX account show that records were updated based my dispute submitted over one year ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Debt collection (Federal student loan debt) with Phoenix Financial Services LLC (VA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: First, " called before or after XXXX or XXXX '' is not my complaint. I was not offered a means to describe my complaint accurately before and needed to select something, however inaccurate, to proceed. <P/>My complaint is the available channels presented to me to contact my Collection Agency, Phoenix Financial Services LLC, have not allowed me to actually contact them. I want to rehabilitate my loan and have done due diligence in pursuit of this objective pursuant to CFR 682.405 's description of a borrower 's responsibilities. I have called my CA repeatedly, in the morning, evening and midday. Not once when I called was I able to speak with anyone about rehabilitating my loan. I left multiple messages stating my intention to rehabilitate the loan and giving my contact information, both phone number and email, and have not been contacted with a means to rehabilitate my loan. <P/>I have sent physical mail correspondence to PFS stating my intention to procure a rehabilitation agreement and have not received a response. I would have sent them an email or made my first rehabilitation payment online but from the information XXXX XXXX provided me neither is an option. <P/>When I contact my servicer or Guarantor I 'm referred to the Collection Agency. <P/>I have exhausted the means available to me and have yet to receive affirmation my loan is now undergoing rehabilitation. <P/>I am deeply concerned I will be denied the opportunity to rehabilitate my loan because the clock has run down. I have made every necessary effort to do my part in rehabilitating this loan in good faith. <P/>I sincerely hope the silence from my Collection Agency is just a delay -that a rehabilitation agreement is already on its ' way and I just need to be a little more patient. But the deadline for beginning rehabilitation on my loan is coming up and I would hate to be denied the opportunity to rehabilitate my loan because I was overly passive in waiting for my Collection Agency to come to an agreement with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have received a response from SPS they have asked again for updated BPO Hud-1 settlement with buyers name ( XXXX ) bank statements tax return 2015 need second BPO Value, Description, Condition, color Photos, and a minimum of XXXX comparable. 
they had and have all these document 's, what I need is for SPS to read all the above and all the many more document 's that they have asked for complete the review, for the lasts 8 months. 

does is make any sense for me to keep making complaints, to a company to complete my short sale if I were not sending what was ask for to complete it. and why would I not what them to complete it, why would the realtor not provide all the document 's to complete, the purchase for her buyer for over 8 months, should make you wonder what SPS has been doing with all the document 's, if these short sale review was only just started I can see the request for additional document 's still being asked for over 8 months??? 
again I feel SPS I not capable of doing a Short sale by any government standard, and are internality, keeping my property from completing the short sale, CFPB needs to do more then process complaints which is more then SPS can do. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I received a letter in the mail on XX/XX/XXXX stating that I was 30 days past due and the letter threatened going after my credit score. Upon calling navient, I was informed that in XX/XX/XXXX my payment was {$0.00} ( XXXX cent ) short. Upon checking my bank account, every payment was made on full ... this was a data input mistake by navient ... I had paid everything on time, in full!! I was treated like a common criminal, time and time again told that I did not pay my loan. I pleaded with them to please check thier records in more detail as I have proof they were wrong. After speaking to three customer service reps including a supervisor, my only option was to pay the {$0.00} or prove to them by sending bank statements that I was right

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  Equifax,  XXXX   or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, 2017, I learned that someone had used my Chase Debit Card for fraudulent activity in XXXX in the amount of {$800.00}. Also, there was a charge pending in the amount of {$4900.00} in XXXX. And someone had fraudulently transferred funds, over the phone with Chase, from my savings to my checking account. This was all done on the same day, XXXX XXXX, 2017. 

That day, XXXX XXXX, 2017, I immediately called Chases Fraud Department and alerted them to this fraudulent activity. I was told Chase had automatically declined the {$800.00} transaction. But somehow the {$4900.00} was deemed valid by Chase. 

Neither the purchases nor the transfer were made by me. I was not in any of the So. XXXX locations. I was able provide Chase proof of my presence in my state. Not to mention my Chase Card w/Chip never left my person. 

I spoke to Chases Fraud Department several times trying to work this out. I asked repeatedly why they were going to pay the {$4900.00} yet declined the {$800.00}. I received conflicting information from Chase staff, and the chronological order appeared to be wrong.

One Chase Rep told me this was Chip Transaction, and he felt there was some misinformation in his file. 

Chase refuses to provide any proof or documentation to validate their taking my {$4900.00}, They would not give me a reason or documentation, why they felt one transaction to be fraudulent and not the other. 

I did what was required of me. I notified Chase the same day I saw this fraudulent activity, the same day it was occurring. Yet they chose to pay this fraudulent charge, which was pending, from my checking account.

Company response to consumer: Closed with monetary relief