milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Citibank arbitrarily, without notice or more importantly without justification closed my Double Cash account in EXCELLENT standing on XX/XX/2016, simply b/c I disputed a {$32.00} charge for which I submitted detailed information to support the minor dispute. Citi advised me in writing that as a result of its investigation, my dispute was meritorious and it credited my account for {$32.00}. Then it was summarily closed without notice or justification. 

Besides being a loyal Citigold banking customer, I had had this acct for more than a year with 0 % APR on purchases. During this time, the following happened : 1 ) Citi increased my credit limit without my even having to request it. 
2 ) I made more than {$40000.00} in payments in advance of any of it being due b/c of the 0 % APR. 

I called Citi to inquire why my acct was suddenly closed which I learned when I was trying to catch an XXXX home for {$5.00}. The reps were apologetic and after reviewing my acct, could n't explain why except to say that there was a " security risk. '' So I did n't understand why I was n't contacted if Citi noticed suspicious activity. Instead, I was advised to write to Citi 's Office of the President. I have since written twice to Citi, first on XX/XX/2016, and again on XX/XX/2016, when I received no response from Citi. 

It 's impossible and unreasonable to think that after my making over {$40000.00} in advance payments on an acct with 0 % APR that Citi independently deemed as being in excellent standing and increased the credit limit to {$7500.00}, that my disputing a {$32.00} erroneous charge for which Citi issued a permanent credit in my favor would constitute anything but a " security risk. '' Citi 's actions were unwarranted and remain unjustified and have adversely impacted my credit history. I have followed Citi 's instructions to write to its Office of the President ( when electronic communication is the most efficient and expedient way to communicate ) but have received no response. Twice. Citi 's silence can only be imputed as its admission of negligence and its failure to correct its patent error in closing my acct and deeming it/me a " security risk '' without justification or explanation.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans are consolidate with Navient. I called Navient today to get more infomation regarding loan forgiveness and found out they previously gave me wrong information. I was previously told by Navient that after XXXX payments I would qualify for student loan forgiveness. Today, after XXXX payments I was told that that information I was given by them was incorrect and I must first consolidate with Direct Loans to qualify for the loan forgiveness. They offered no answer as to why I was previously given wrong information. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with Esser, James & Associates (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Esser, James & Associates called my fathers phone and stated that they were trying to get a hold of me. They stated that their client is giving me one last chance to speak to them before the start the litigation process. They left message also stating that if he is in contact with me to please have me call them at XXXX. I am not associated with my father except by address from XXXX years ago. It startled my father in thinking I was in trouble because of the agents tone by stating " last chance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
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 already filed a very specific complaint. Experian did nothing.     They sent a proforma reply proving they did not even read the complaint. I have a VERY specific complaint. They said they had no specifics. Here are the specifics, again.     Their  credit score  for me shows : " Open real estate account balances are too high compared to their loan amounts '' This is a quote. It is very specific. Here is my specific reply. I have NO real estate balances!! None. Not a single  XXXX . I have not had any real estate loans since last  XXXX ! It 's  XXXX .     I do not understand why CFPB accepts this kind of reply from Experian. They clearly did not investigate my very specific complaint. They did not even read it to see if there were any specifics.     Very frustrating that credit agencies can operate with complete indifference and impunity and get away with it. They should be fined for this. Thanks.

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 05/27/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The same number calls me many times a day, especially while I 'm working or Unable to answer the phone and wo n't leave a message so I 'm unable to respond to their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX I made a purchase with my Chase Card online at Amazon. Although I used my reward points for this purchase, and points were deducted from my point bank, I was ALSO CHARGED the amount ( {$22.00} ). 

On XX/XX/XXXX this happened again. I used reward points to pay for three items totaling {$100.00}, and used {$27.00} worth of reward points toward the total. However, although the points were deducted and shown as being 'used ', they were not in fact applied to the purchase. 

The company ( Chase card services ) reimbursed the {$22.00} from the XXXX complaint. I am waiting for the paperwork for the second complaint. 

I am concerned that XXXX is defrauding its customers who are n't diligently checking their Amazon.com bills. The Amazon.com bills are PAINFULLY difficult to reconcile with purchases and Chase and Amazon are taking advantage of this to defraud customers of the money they 've earned through reward points. 

Amazon should also be forced to include a description of what you purchased on their bill. Every transaction is labelled the same and even though you might buy three items at once, they show up on your bill as three individual items, often on different dates of purchase. This makes reconciling your monthly bill a nightmare and makes it more difficult to spot errors, like the failure of points to be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: About ten years ago, or so, I closed my checking and savings accounts with Citibank. I met with the manager and a teller, zero ' the balance, got a receipt, and they were closed. Years later, I get a call from Collections stating I owe Citibank around {$5000.00}. Citi failed to close my accounts and started issuing overdraft fees and transfer fees for years. When I spoke with Citi, they confirmed they had my correct mailing address, email, & phone yet did not contact me, allowing this to accumulate for years until it hit my credit report. Everyone I called said it was not their department and gave me a phone number to someone else who said it was not their department. They kept pointing fingers between Citi 's financial services and Citi 's collections department. After a dramatic few months of speaking to a ton of Citi reps who all said they could do nothing, they finally admitted fault and paid all the fees. They damaged my credit report and then promised to remove the dispute status from the reports. I remember vividly speaking to the one final rep who distinctly promised that it would be removed from my credit reports and would not affect me adversely in the future. Now, about 6+ years later, the dispute status is still on my credit report ( despite saying there is zero dollars being disputed ) and I can not get the mortgage I need ( which is time-sensitive ). For weeks now, I 've been having to relive it all again, spending all my time on hold, begging for help. Citi reps were unapologetic and put me through another dramatic round of phone calls. In my last conversation they did say they would open a 30-day investigation. 
I called XXXX today and they were not very polite and also said there is not much they can do. They did say they would open a 30-day investigation. 
I do n't have 30 days. I was promised this was resolved & removed from my credit score years ago. I am in trouble now and being put through so much stress and being treated so cold and rudely by these agencies when I did nothing wrong. This has had a huge negative impact on my life. I am desperate for 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 explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Phone Numbers listed are not my phone numbers nor do I no how they was obtain. 

Numbers showing are not right I have sent a copy of phone numbers that belong to me. It makes no sense that all these numbers on my credit file. I do n't own no toll free numbers as transunion is showing. 

I 'm filing with the FTC as well to the issues with Transunion on this problem. I have listed my numbers and numbers that have belong to me in the last 3 years the rest are not my numbers. 
I need proof from trans union to prove the numbers belong to me in my name. I need proof from what ever phone company that Transunion is showing on my credit file that it belongs to me. 

I have a copy uploaded to XXXX from the phone company bill. Transunion has XXXX that is not my phone number.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 01/17/2018 about Debt collection (Other debt) with I.C. System, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company that has been attempting to collect a debt of {$98.00} from me is called IC System. Their website is www.icsystem.com and they are attempting to collect this debt as an agent for XXXX, the phone company. The debt is under a different name than mine, I have never had a XXXX account, and I 've told them this several times. They even reported it to the credit bureau and it was added to my credit report. I contacted the credit bureau and they removed the debt from my credit report as it is not under my name. Somehow they have it tied to my social security number and are again contacting me via phone and mail threatening to report it to the credit bureau again. I just called the company and spoke to XXXX XXXX ( supervised by XXXX XXXX ) who told me that they would continue to report it to the credit bureau and would not remove my social security number from the debt. He recommended that I keep disputing it every time they report it to the credit bureau and said that was my only option of recourse. That simply can not be true. Any help/advice would be greatly appreciated. 

Thanks.

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 03/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Wrong amount charged or received

Complaint: I used Paypal to request payment using XXXX new features, the " request money feature '' and the " invoice feature '' on XXXX XXXX, 2016. 

Neither I nor the payer were notified of the fees being charged. Paypal alleges that disclosing fees in the FAQ section and Terms and Conditions was adequate, and they could represent the transaction in a way that neither user would pay fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have had a student loan for a number of years, in the last few years I have had to take care of my child on my own and am homeless, living with family. As of XXXX XXXX, I have been laid off from my job. I have tried to request deferments from Navient and have either not been answered ( the case with the last XXXX applications ) or they tell me ok you can have it only to send me a massive bill the next month. They now tell me that my minimum payment is over {$800.00}, and that I owe over {$20000.00} and I never borrowed more than {$12000.00}. I never had these problems when XXXX XXXX had my account. I am not trying to get out of paying my debt, I simply need help at this time. I attended XXXX XXXX College as well as the University XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hunter Warfield has be unable to provide proper documentation validating this account. 
I am seeking immediate action and for them to remove this inaccurate and negative information permanently from my credit report. I have asked for the company to send me verification of my original lease and all I have received is a copy of a lease without signatures from XX/XX/XXXX-XX/XX/XXXX. I have sent Validation Letters on XX/XX/XXXX ; and XX/XX/XXXX for this company to provide proper validation and I have yet received a response. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed several inquiries with TransUnion Credit Reporting Agency and unfortunately their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Please see the below inquiries that I sent in to be investigated and deleted from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft : The following hard inquiries listed on my XXXX, XXXX and Trans Union Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 12/20/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MT).
Issue: Managing the loan or lease

Complaint: we have an auto loan with wells fargo dealer services. we had gotten behind on payments. we believe it was only 1-2 payments. we have asked for statements showing every payment, and all of the fees that have been assessed to the account. we have now found that they are still placing force placed insurance ( we have always covered the vehicle with full coverage ins ). We have provided proof of insurance numerous times. with the most recent this last week. and we provided in XXXX as well. it is a very frustrating time consuming endeavor we have taken on with these people. We want to have all the force placed insurance taken care of and any other fees that should not have been assessed.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX has gone from last late of XXXX on a charged off account with a XXXX balance to a last late of XXXX and now with a {$11000.00} balance on a charged off account from 2011. This is unfairly ruining my ability to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I filed complaint # XXXX with the CFPB against Bank of America ( BOA ). This complaint describes neglect and terrible service and business practices by BOA that caused my loan to go into default in XX/XX/XXXX. 
I would like to file a complaint because BOA did not provide a response to my complaint. 
The CFPB file shows that BOA did send a Response to CFPB on XXXX XXXX, XXXX stating they had provided a response to the complaint and will do no further investigation. BOA did not send us a copy of this response or inform us that it had been sent to CFPB. 
The CFPB file has a link to review the " full results '' of the XXXX XXXX, XXXX, response, but no information is provided. 
A note from BOA on the CFPB file dated XXXX XXXX, XXXX, states : " We ca n't include the full results directly in this email because they sometimes have sensitive information. '' In addition to opening a new complaint, please do not close my complaint # XXXX because BOA has not responded to it and because BOA has not provided notice to me that a response had been sent to CFPB on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with Innovative Debt Recovery, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: a company name d IDR atte mpted to contact me via postal service, claiming that I owe o ver 1000 dollar s for a debt. The debt they say I owe is to a Credit union in az I believe is called   XXXX   XXXX   XXXX   XXXX  . That credit union attempted to say I owed them money almost a year ago, after I had reported my card missing/stolen just 2 days after opening the account their, and having never even used the card. I had told the credit union to please provide me with at least some/all of any security camera footage of WHEN my card /account had been used., that way both the credit union and myself could prove just if or not it had even been me using the card at all. THEY never provided any footage and kept giving me excuses on why they were denying me that. NOW this IDR says they bought the debt in which was a bogus debt to start. please advise me on how to get them to not try and ruin my credit and harassing me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Hi, I am writing because I am having trouble with Equifax credit reporting company. Several years ago my Social Security Card was lost in the mail. I put a credit freeze on my account with all XXXX credit reporting agencies. I have since been attempting to remove the freeze on my account. XXXX of the credit agencies have been great. Not so with Equifax. There are requiring me to provide a XXXX digit pin and mail in a letter. I have mailed in a letter XXXX times over the course of XXXX year. I have not received anything. I have dialed every number I can find on their website and can not get a person to assist me. I need to get my credit freeze lifted, but have not been able to accomplish this simple task. 

If you are able, please assist. 
XXXX

Company response to consumer: Closed with explanation