milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Last XXXX, I opened a citigold account with an promotion bonus XXXX XXXX miles. The requirement is spend {$1000.00} in the first XXXX months and made XXXX consecutive bill payment. I finish all of the requirements by XXXX. 
In XXXX, I contact with the customer service of citibank, they confirmed that I will received the bonus by XXXX XXXX, 2016. However, I did n't received any bonus miles. 
In XXXX, I contact several times with customer service of citibank, they refuse to give me the opening bonus and said there is no promotion associate with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an out standing debt with Wellsfargo Bank and they just went into my savings unwilling and collected all of my savings leaving me in a financial hardship. They sent me a letter explaining why they did so I never knew they can do this. Their reason for doing this was called " right to set off ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX phone call an account was open in my name when ask for info there was a check in which was in my name XXXX sent without my request and cashed the were no info of where it was cashed was a odd amt. {$600.00} File a police report a copy was sent to equifax. I am XXXX has XXXX I am a XXXX Veteran never applied for a payday loan.I would like to block XXXX From reporting anything to my file I file a fraud report. ;

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA violated the Service Member Civil Relief Act as well as the fair Debt Collection Practices Act while I was XXXX between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was on XXXX, and then entered into XXXX From XX/XX/XXXX to XX/XX/XXXX. While XXXX, one of their representatives called me later hours at night, sometimes after XXXX XXXX. In addition, since they called me, it means they called me while I was at work XXXX. She made a settlement offer while we spoke, and one time she asked me if all of this was affecting my security clearance. The Last payment received was in XX/XX/XXXX, the time I was XXXX. They shouldnt have been asking for nor receiving payment at the time. In addition, they never bothered to repossess the vehicle. I told the individual that the vehicle was back in the U.S. and that I did not have enough money for the settlement offer. She called me at least 3 times while I was there, late hours of the night when I should have been XXXX. To make a long story short, she stopped calling me. I financed the vehicle with this company XXXX. So no payments were made after XX/XX/XXXX. And that 's because I was XXXX and did n't have enough money to make payments. Instead, they should have went ahead and repossessed the car, but they just kept harassing me. About 2 years later, I checked my credit report and I saw where the company wrote off/discharged the loan. Afterwards, another gentlemen called me from the same company talking very rude and nasty to me while I was working at my national guard unit on that particular day. I told him, that since I was an XXXX XXXX XXXX vet, I didnt receive as much and I had no other income or job. He then said basically, that 's b.s. and hung up the phone. Fast forward to XX/XX/XXXX. I received a XXXX from this company stating I was discharged of debt in the amount of {$14000.00}. The letter was dated XXXX/XXXX/XXXX so I 'm assuming that was the discharge date. I also received a letter from SCUSA-SCRA settlement administration stating, this company entered into a settlement with the U.S. Department of Justice for violating the service members civil relief act. The letter informed me that I may be eligible to receive compensation due to their violations that are corrupt. In addition, this debt shouldnt even exist because they never repossessed the vehicle and the debt was written off around XX/XX/XXXX. I know this to be a fact because in XX/XX/XXXX I financed a vehicle from XXXX XXXX XXXX, and XX/XX/XXXX I financed a vehicle through XXXX, so this debt doesnt even show on my credit report anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 10/24/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report have 7 years old accounts still showing and student loans and creditors that included in bankruptcy still listed individual double my credit ratio making my score low. The accounts listed in bankruptcy should be listed still on report but they removed bankruptcy XXXX. The bankruptcy and all creditors still showing from XXXX to XXXX. My student loans debt double they charging putting extra money to pay back on the balance of XXXX bankruptcy that was paid in chapter XXXX. I asked for a copy of the original balance bill with my signature on it that on my report no answer in for inquiries. Equifax has replied lowered my score more. Why third -partiy are listed with same amount with the original creditor it not fair XXXX XXXX and their XXXX party XXXX XXXX XXXX {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with Assured Financial Partners (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: i had gone to a small car dealer on monday XX/XX/2017 and i wanted to get a car so they got my social security and my credit history and also information where i work at. So the dealer was acting for too much down payment so i declined and did not proceed to get a vehicle there. But they had stayed with all my information. On Wednesday XX/XX/2017 someone had called my job and left a message to XXXX stating that if i dont call first equity at there phone number that otherwise they were gon na come by my workplace and subpoena me if i dont call. Since i work graveyard shift i was n't able to get the message until that night my supervisor had hand me the message from XXXX .The next morning i call the number that was left to call, so i did call and the person that i was supposed to call was not there so the put me to talk to a different person and they kept threatening me that if i dont pay as soon as possible i was gon na get subpoena and get sued and likely to take money away from my paychecks from work if i dont pay them by this month. They also had told me about how they knew my credit history and everything i had owed. So then i remember how i gone to a car dealer this month on the XXXX and they had stayed with my credit history and information where i work so i think im getting scam by that same car dealer to take my money from 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 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it has now exceeded the 7 year statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX, I went to use my ATM/Debit card from Citibank. Got declined. I called customer service and they advised there is a security block on my account and gave me a phone number of an outside company that they said is handling this. I called them and they said NO, we have nothing regarding your Citibank account. Since then, I have been getting the run around regarding my account, saying it is being closed and a check will be sent to me, but yet when I call into customer service, they see the positive funds in my account. They have cancelled my debit card, will not allow me to transfer my funds online to an outside account, and we do not have any local branches in Texas to go to since they pulled out of Texas. I have asked multiple times for a supervisor to contact me, and they have not. They transfer me to fraud department which they say has nothing to do with it, they also say the new accounts department put this request in, but they never get anyone on the phone about it. This is absolutely ridiculous and they will not give me any specific information and keep saying the system produces everything

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 03/21/2017 about Debt collection (I do not know) with AR Resources, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company added XXXX accounts my credit report with no notice in XX/XX/2017. This is XXXX of XXXX Accounts. This account is also reporting twice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: i am being charged $ XXXX monthly service fee with a {$0.00} balance on my account. No statements received

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 06/13/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Wells Fargo Mortgage. I provided ALL THE DOCUMENTS they requested, and while waiting on a decision, I was informed the the final list of documents I sent, was recieved too late. Please note, the documents were faxed approximately one week after they were requested. Some were requested before, but we went back and forth, getting clarification on the required documents. So now, THE BANK DOES HAVE ALL THE DOCUMENTS, BUT STILL TOLD ME I HAVE TO RE-APPLY, EVEN WITH ALL THE DOCUMENTS SITTING IN THEIR OFFICE!!

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 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. Needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've spoken to numerous representatives, supervisors and managers. All with inconsistent statements regarding my account. Some say I 'm current others say I 'm not. I 'd graduated in 2010 with a XXXX and after my deferment period, I 've commenced making payments via a payment plan. I was told that my payments will cover all loans owed. 

Recently I 've been unemployed ; however, I was able to maintain my payments. Within one ( 1 ) month, I 've spoken to several representatives and a manager with inconsistent statements. They all claim loan number XXXX ( XXXX ) is late but can not tell me exactly when I was late so I can perform research and compare my bank statements for accuracy. This loan has been reported to my credit bureau as late ; however, several representatives reviewed my account and stated that my payments were not applied correctly or misallocated causing a " late '' status on XXXX XXXX/Navient 's computer systems and derogatory information reported on my credit reports. 
The representatives offered forbearances which will generate additional interest. This is without merit due to my loans being paid on time. I 've previously disputed the " late '' accuracy multiple times through representatives, managers and Navient 's Office of Student Advocate with no avail, no ownership nor follow-up. 
I 've been unemployed for at least four ( 4 ) months and during my job search within the banking industry, my credit score will make the difference of obtaining a position. I 'm more than qualified for the positions I 've applied to ; therefore, I have no choice but to assume my credit score due to the inaccurate reporting by your company for loan # XXXX is the deciding factor. 

In addition, a representative recently deceived me into believing I was enrolled in a new payment plan when in reality I was set up to pay {$1200.00} a month automatically debited from my bank account, which is out of my payment capabilities. I 'm frustrated and exhausted with this lengthy and time-consuming struggle with your company to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian XXXX. XXXX XXXX XXXX, TX XXXX RE. XXXX. : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and XXXX and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Agency and Account Number ( s ) : XXXX / XXXX XXXX Collection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint I appreciate your prompt attention to this matter, and await your reply.

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 01/26/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Making/receiving payments, sending money

Complaint: I am the President of XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I bank with XXXX. 
I initiated a domestic wire XXXX {$89000.00} XXXX on XXXX XXXX, XXXX to Wells Fargo Bank with the correct name of the beneficiary and his address. I incorrectly put my client 's loan number as the beneficiary 's account number. On XXXX XXXX, XXXX I called my bank to recall the wire. My bank has told me they will not provide Hold and Harmless as required by Wells Fargo Bank. We called Wells Fargo and offered to provide Hold and Harnless with our Error and Omission policy. Wells Fargo called me today XXXX XXXX XXXX, XXXX ) and said that will not return the money until they receive Hold and Harmless from 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 12/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: We have been working with XXXX on a short sale on this property since XX/XX/XXXX.  Several times we have lost buyers due to counter offers and delays in reviewing our offers. We have had the same buyer on board since XX/XX/XXXX and have been pending review. On XX/XX/XXXX we sent in the latest RMA ( another stall tactic from XXXX to delay reviewing the file by constantly changing the forms that are needed to proceed ). I called on XX/XX/XXXX and was told we were pending the review of the RMA. I sent an updated HUD and purchase agreement on XX/XX/XXXX since the ones we had on file had expires on XX/XX/XXXX due to delays in review. I spoke with XXXX on XX/XX/XXXX and was advised that our file was being DECLINED due to a new buyer. There was no new buyer - the agent referenced XXXX XXXX as the buyer - which was one of the original buyers from back in XX/XX/XXXX. The current buyer has n't changed since XX/XX/XXXX. She said she would escalate this and I would have an update by Monday or Tuesday. She could see that I DID NOT send in the offer from XXXX XXXX and that it appeared that someone from XXXX just randomly re-saved the old documents, which is what created the issue. Called XXXX on XX/XX/XXXX and there is no update. No one has reviewed our escalation from last week, I was told today just to " submit the new offer '' - there IS NO NEW OFFER. This is the same offer since XX/XX/XXXX. I contacted the Ombudsman department who refused to assist. They opened ANOTHER complaint and want me to wait ANOTHER 24-72 business hours for a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Be ing that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 12/27/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Settlement process and costs

Complaint: I want XXXX to release the illegitimate lien on my house. 
I want them to return the {$160000.00} I have overpaid for my house for money I already paid to someone else for properties I do not own. I refinanced a loan to PAY off the balance ( as in the LENDER pays it off and applies my principal payments not add more for giving me nothing ). not finish paying for it before another XXXX loan kicks in!!! 
I want SPS to find out EXACTLY which loans were actually PAID and which loan they are trying to illegally collect from 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 08-11-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Late fee

Complaint: My payment was due XXXX XXXX, 2016 and although I paid it on XXXX XXXX, 2016 I was assessed a late fee the day the payment was XXXX XXXX, 2016. It seems that the late fee should be given on XXXX XXXX, 2016 or there should be a grace period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed