milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Credit card () with CITIBANK, N.A. (KS).
Issue: Billing disputes

Complaint: I traveled to XXXX in XXXX 2016, and used my Citibank World Mastercard. When I received my monthly statement, I incurred foreign transaction fees totaling XXXX. However, when I called Citi to question the charges, I confirmed the conversion rate. Specifically, I used the larger transaction for the XXXX on XXXX XXXX, which converted XXXX XXXX XXXX to XXXX. This does not convert using the XXXX exchange rate quoted by Citi. I asked Citi why I had hidden numbers inside the transaction, and that it appeared to be a double charge within the transaction, as well as outside the transaction. Citi reps told me that it was a line item explanation, and that those fees were not actually charged to my account, however, simple addition proves that to be incorrect.

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 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cochren Bailey & Associates, LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: These people call 3 to 5 times a week, they do n't mention a person to be contacted, just that if we do not contact them the " matter which they do not mention '' is going to go into litigation. I know this is a scam! STOP THEM! the number to contact them is as follows.XXXX Apparently I am not the only one. there have been numerous complaints about this number on the net trying to collect money for charges or accounts that never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan debt. Under complaint number XXXX, XXXX XXXX " XXXX '' XXXX alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to XXXX in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that XXXX needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I noticed that my student loans was not XXXX balanced on my credit report and they should be. I am going to attach the form that shows I owe nothing on my loans. I need the information corrected with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with DISCOVER BANK (WA).
Issue: Advertising and marketing

Complaint: Hi, Discover is engaging in false advertisement and tricky practices, taking customer for a ride by using the XXXX XXXX XXXX % cash back promotion. They say that they will give 10 % cash back on purchases made by XXXX pay. Seeing this consumers like me go to the stores which accept apply pay. At the checkout the XXXX does not work as the card is getting declined. The merchant shows that similar apple pay transactions work fine with other credit card companies. This problem is only because of discover. Already since I have waited so long in line I go ahead with the purchase and pay using manual swipe of the card. Also at the same time I call discover customer service and they confirm that problem is with them. Also they agree that they will compensate the customer for the lost cash back bonus. On subsequent follow up they do not agree to credit the bonus as per the promotion and only apply 1 time courtesy bonus of XXXX % which is way less the XXXX % promotional bonus. This is completely unethical and cheating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I applied for a credit card in Bank of America and the system said we ca n't know your credit score and credit history on the same time I summit my application I do n't know why and they refused me, now the problem is they did hard inquiry in my credit report. It will appear 2 years in my credit score for the system fault. It 's not my fault can you please dispute the inquiry. It happened in XXXX XXXX, 2017. 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 03-11-2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received multiple letters requesting payment for a debt I settled a long time ago with a different debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: XXXX  and  XXXX   XXXX  sold  XXXX   XXXX   XXXX ,  XXXX  NJ in  XXXX ,  XXXX . As part of the sale, they needed to pay off a reverse mortgage held by Champion Mortgage  Co. Champion p rovided a payoff statement which charged interest on the loan through  XXXX   XXXX ,  XXXX . They refused to provide a per diem interest amount. On  XXXX   XXXX ,  XXXX , a wire in the amount of {$220000.00} was sent. On  XXXX   XXXX ,  XXXX , Champion sent a second payoff amount, demanding an additional {$900.00} in interest, even though the loan would not be open until the end of the month. On  XXXX   XXXX , a wire for the {$900.00} was sent. We were assured that any overage would be returned to us.  Champion  failed to provide an accounting of the loan, and did not record a cancellation. On  XXXX   XXXX ,  XXXX , a letter was sent to champion requesting the cancellation and placing them on notice of a {$50.00} per day fine assessed if they failed to file the cancellation. No response was received. On  XXXX   XXXX ,  XXXX , an email was sent  to Champion. Although the email was acknowledged, no substantive response was received. As of this date, Champion still ha s not provided a copy of a recorded cancellation of mortgage, nor has it returned the excess interest due. Another demand letter was sent to  Champion  on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Payday loan () with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Received a loan I didn't apply for

Complaint: Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. 

This is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Payday loan debt) with Global Trust Management LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: These People called my job today XXXX/XXXX/XXXX. They called from XXXX. They did n't anounce the name of the business when I called.She just answered as XXXX XXXX. They sent no documents to my house showing me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX WA XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I never applied for a capitol one credit card. The company began contacting and harrasing me about payment for something that I made clear that I never applied, accepted or received. I complained about fraudulent things.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX paid off on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Bank of America is engaging in fraudulent activity when consumers apply for their credit cards. In XX/XX/XXXX I applied for the Bank of America XXXX  Signature credit card and was not approved. However, Bank of America automatically approved me for the Bank of America XXXX Platinum Plus card. This is an entirely different product with a different annual fee and different features. At no point in time did I apply for this card, nevertheless Bank of America opened it in my name and it appears on my credit report.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Mortgage debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was XXXX XXXX XXXX when I was listed as an occupant on the lease agreement. I wasent living there the whole lease term I would stop by a few times and I have spent the night so my aunt decides to move and they have a balance of 1 months rent on my credit and the credit agency is saying that since I was over XXXX at the time she moved out I am being held responsible for the debt! Now that Im trying to get my own place on my own

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I notice when I was checking my credit today inquiries that was removed in XXXX has been replaced back in my report with consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My original complaint was sent to Experian and their response had nothing to do about the reported problem. My existing CFPB complaint ID is XXXX. I wanted a way to contact a REAL person within Experian to explain to them the problem. I did send them a detailed written description of the problem, in addition to my complaint to CFPB, but their response which was a result of whatever you forwarded to them was complete BOILER PLATE! 

No matter if I use their web site that supposedly will enable me to to temporarily UNFREEZE my account, or if I call the number they publish, which is supposed to be a HELP contact, I am asked for the same information that I submit on their web site. No matter what I enter, the same message is returned, " WE ARE SORRY BUT WE COULD NOT VERIFY THE INFORMATION YOU PROVIDED : They do not, I repeat, DO NOT provide a number that gets to a real person. 
Their automated voice answer machine does not have any option that addresses my situation and it neither provides me the ability to connect to a real person. I enter what I believer is a valid pin, I received it from them in correspondence they sent to me. They do not say what area of the input I'm submitting is wrong. So, end result is I can not unfreeze my credit account and as a result I'm prevented from buying the automobile I wanted to buy and I can not open a credit account to pay my XXXX  for XXXX XXXX. How is it that Experian can be allowed to have this control over my life and NO ONE will do anything about it. 

How about you at the CFPB? Are you helping me, do you want to help me? Will anyone help me?? 

XXXX 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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was told by Navient that I could lower my interest rate by .25 % for signing up for automatic withdrawals/payments. I did so the day before my bill was due. Previously, I could make a payment before my payment due date and it would not turn into forebearance because the date of payment was before the due date, even if money was not transferred until after the due date. However, Navient pushed my account into forebearance for the 3 business days it took for automatic payment to start. This resulted in several XXXX dollars of default interest accrual. I called and requested assistance, as I had never before had this issue and certainly had never defaulted on my loans. Nevertheless, Navient essentially told me that it was my fault for not realizing that he date of payment would not matter for automatic withdrawal, only for standard payment. Several XXXX dollars for ( an extra XXXX $ / month for the next 6 years ) because they did n't take the money out of my account fast enough seems really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair 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 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: US DEPARTMENT OF EDUCATION # XXXX is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Equifax for them to delete the account or remove the false status codes that make this account inaccurately past due. i have contacted the US department of Education and i have been informed that they have alerted Equifax XXXX that this account should not be a derogatory item, it should not be reported as a collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any verification as to their reasons for reporting it this way.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In XXXX XXXX, I requested that my school send in updated verification information to continue my in-school deferment for my Wells Fargo student loans that have been in deferment since XXXX XXXX. On XXXX XXXX, XXXX, I was contacted via telephone by a Wells Fargo representative, who confirmed that my enrollment verification information was received, asked a series of questions, and told to expect a response within approximately 10 days. On XXXX XXXX, XXXX, after being notified my loan was no longer in deferment, I called to verify the status, and I learned that my deferment was still being processed. 
None of my other student loan lenders request updated enrollment information to continue a deferment for a four-year XXXX program ; it is only Wells Fargo that mandates annual re-applications for deferments while in a four-year program, and Wells Fargo still has not updated my deferment even after receiving the needed enrollment verification one month ago, causing my loan to go into repayment.

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 11/15/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Amex serve sided with the merchant after i explained that i paid for 2 seperate vehicles r registration tags. Either of them were done in XXXX -3 days as i paid for. They wete never done at all. Amex proof from tbe company clearly states as they merchant puts it a discount from XXXX for {$280.00}. Now why would XXXX give the company a discount like that on renewal tags for a XXXX XXXX. Because they did not accept payment until i paid a XXXX reinstatement fee thats why. Which i paid after receiving a notice. Then only then wiuld XXXX receive payment for renewal tags. The discount as the merchant puts it was a for a payment that XXXX could not accept. And the merchant was dishonest. He never received the tags or mailed them to me as they indicated to XXXX XXXX. but you think the {$270.00} discount would have arouse some sort of question with Amex. And the reimbursement that they stated was issed to me for a whole different claim. But they were taking credit for issuing me that reimbursement for both claims. They should have never brought that up. It took me 4 months to receive that claim. both were made on the same day with the same results. I want tovtake both the merchant and Amex serve to court. I have tried reaching out to amex but XXXX out of 7 times been disconnected by supervisors because they dont kniw hiw to answer my questions. Frustrating and very unprofessional. Wht would XXXX give anyone a {$270.00} discount. Think about it. I want the full {$320.00} that i paid for expedite service returned back to me.

Company response to consumer: Closed with explanation