milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a previous complaint XXXX about my credit card experience. I offered a solution that if it didn't work out I want to close my accounts.They tried minimum efforts to work out a solution with me: I was on a international travel and missed one call (only one call on XX/XX/XXXX) from their account manager XXXX XXXX. Instead of emailing me to schedule another call, she closed all my accounts including 4 credit cards and 2 bank accounts without my permission on XX/XX/XXXX.I was shocked when I found my saving is XXXX when came back, so I contacted the banking department to find out what's going on. They said that I personally called to close the accounts, which I never did. I suspect that XXXX XXXX stole my identity to do that.Later on, my credit cards was declined during purchases. So I called their credit card department and finally had a chance to speak with XXXX XXXX. She said I asked for it, like she never had a chance to read my complaint and solution suggestions. I listed the possible solutions on the complaint but she has no right to close my account without my written or spoken confirmation.This caused me so much trouble these days that my direct deposit has nowhere to go, my purchases was declined and I had to run to other banks to open account in the blizzard.Btw I never had credit issue, late payments or suspect ML activities.I've always been an active and royal customer with Citi but this time they did way over the line. XXXX XXXX  is not the right person to do this job.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 requesting the removal of  XXXX  judgments and  XXXX  bankruptcies  ( below ) o n my  XXXX  and other reports due to  Civil Case No.   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    . I d id not know the source of their information on those judgments and bankruptcies and due to this  XXXX  has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  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 07-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Transaction issue

Complaint: On XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX regarding my complaint. During our conversation, we discussed that I contacted us by telephone on XXXX XXXX, XXXX, to open a billing dispute claim for the transaction in the amount of {$41000.00} from XXXX training that posted on XXXX XXXX, XXXX. At that time, I informed us that I will not attended the XXXX and I want to cancelled the entire amount of the transaction on XXXX XXXX, XXXX. The Company said that, on XXXX XXXX, XXXX, they offered me a 10 % discount and as of today, I am still waiting for the refund and the additional refund for the XXXX over transactions XXXX for {$990.00} and {$1900.00} still not showing on my account yet a total refund of {$40000.00}. Every time I contact them they told me the refund was send and I just think they just liar to me and they will never refund me my money.

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 12/15/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Shopping for a loan or lease

Complaint: Synchrony information sharing practices

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Bills from hospital are 0.00 for the 2012 year, it still shows up in the collection area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: My compliant is that Experian charges money to remove a security credit freeze for either temporary or permanent. This is against the Fair Credit Reporting act. They control my information against my consent. They are in violation of FCRA by charging a fee to remove a security credit freeze. I elected to have a security credit freeze due to the enormous breach at XXXX ( XXXX/2017 ) which jeopardizes my credit for my entire lifetime! I initiated security credit freeze 's with all three credit bureaus. 

Please advise, thanks. 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 05/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase Bank has a " policy '' that any deposit made after XXXX will be credited the next day, however CASH deposits show as available money in the account, available after making the deposit at anytime of the day or night. Chase openly admits that they have now charged my account three times because a cash deposit was made after XXXX and transactions that were pushed through that night caused and overdraft fee despite the fact that my account clearly showed an " available balance '' of higher than all transactions. Chase hides behind their " policies '', but what they are doing is criminal. The Cash deposit was in the account BEFORE the charges were pushed through, the available balance was higher than the charges, but Chase is still charging an overdraft fee. 
I noticed on a Chase bank complaint message board numerous similar complaints, where someone pointed out the obvious fact that a CASH deposit is a CASH deposit. It does not matter what time it is deposited. It is given an automatic available balance, so if the the money is in the bank before the charges go through and is available, it would be illegal to say that there were insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MI).
Issue: Managing the loan or lease

Complaint: I purchased a van with an auto loan with Chase on XXXX 2015. On XXXX 2015, I refinanced the auto loan with Chase. I signed and sent back the new loan, and the phone representative and the branch employee informed me the old auto loan will be paid with the new auto loan. It has been 3 months now, but the old auto loan is showing I am delinquent, I received letter from Chase saying my loan is past due, and my credit score has dropped from XXXX to XXXX. I have called the Chase auto loan dept, and they have escalated the matter but it has been 3 months and counting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Struggling to pay mortgage

Complaint: We have reached out to our mortgage for help only to be lied to and denied help. We are eligible for a loan modification and are still being denied. We also are eligible for a forebearance or repayment plan which we are also being denied.

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 05-10-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Payoff process

Complaint: I am making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown -- before the pay down -- and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before it was payed down, I get no clear answer and no one will confirm that the interest charged in on the new, lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Source Receivables Management LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a fraudulent account. Ive never had XXXX service nor a XXXX phone. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with SOURCE RECEIVABLES MANAGEMENT several times to no avail. SOURCE RECEIVABLES MANAGEMENT refuses to provide me with the documentation Ive demanded them to provide me with, SOURCE RECEIVABLES MANAGEMENT, refuse to remove this account out of my name and off my credit report. Ive included in the desired outcome section the letter mailed to SOURCE RECEIVABLES MANAGEMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being 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 manner 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 03/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XX/XX/XXXX our mortgage was sold by XXXX to Nationstar Mortgage. There was no notification that this was taking place, so payments were made to XXXX until we recieved a notice from Nationstar dated XXXX/XXXX/XX/XX/XXXX and that notice stated that the amount due {$2000.00} and that amount was due XXXX/XXXX/XXXX. That amount consisted of XXXX payments of {$1000.00} and a late fee. These payments were made to XXXX on a timely manner but were not transferred timely. We also applied for a loan modification through Nationstar during XX/XX/XXXX which was eventually denied. In XXXX of XX/XX/XXXX they paid our property taxes, without our knowledge or consent, which we had also paid, resulting in a duplicate payment that we were notified about. Then the calls started to Nationstar to fix the Escrow account they opened to recoup the taxes they had paid in error. They would take the monthly payment, which was received on time, and would put that into a suspense account. When there was enough money left in that account after some of it going towards the taxes, they would make a payment for the mortgage. This would always result in our mortgage payment being late, they eventually had our account with a pastdue amount of 3 months.. They finally admitted that the escrow account had been opened in error. And they were to correct the error on our account to make it current and correct on our credit rating. They are currently showing late payments from XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX Part of this is the payments made to XXXX but not transferred to Nationstar and part of it because of the escrow account they opened in error. In summary, we have attempted to get Nationstar to repair our credit report, to be able to go and obtain a new mortgage at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Wells Fargo continues to be a predatory company charging insane overdraft fees and manipulating data in order to continue charging fee after fee. They say they will only charge XXXX fees a day, so they will not post transactions until the next day in order to be able to charge extra fees. They will post debit transactions next day, in order to gain those fees. They will change the wording of card swipe transactions to say " reoccurring '' in order to get around the fact that you have opted out of overdraft protection. I am completely stuck and have been charged XXXX in overdraft fees in a weeks time. I have asked nicely for some fees to be refunded but they refuse. I have opted out of allowing them to cover my charges so that I do n't have to pay the overdraft amount, plus the fee, but there is nothing I can do to stop them.

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 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was told by the XXXX major bureaus that I had to contact the creditors for the inquiries on my report that is n't mine. I was told that they could n't do it. So I contacted the creditors with the information provided by my credit report. I sent each and every company a letter disputed that I have not applied for this credit and to pleas remove from my report. After 45- 60 days. I sent the responses to the XXXX bureaus and also sent some the the mail as insufficient address. Meaning it was n't accurate. I sent all the information to the bureaus and they still did nothing. I called each one and they claim that they still was n't going to remove it. They claim that u need to contac the creditors. I told them I did. You hv some letters stating that the company does n't have I for. A few letters stating that the inquiries was not hard. Also return address and no accurate phone number. I was like I 'm using the information that you allow the creditor to report and the results is this. Each bureau have all copies. They refuse to help me. I pay Experian XXXX and XXXX to be apart of there services and they have been horrible to me. I also have a few collection accounts that are not mine and the companies have yet to prove that. My identification was stolen about 8 years ago. However I did n't make a report because I was not aware that I needed too. I just went and got got new identity. Not realizing that it was important for me to do that. However I was told that I needed too. So I do have a police report. I just want theXXXX bureaus to treat me with respect and just stop letting peopl report items to my report just because they are paying them.

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 10/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am having another issue with TransUnion keeping my files accurate. Now they have my currect address incorrectly reported as my previous address. What can be done to make sure that my profile information stay updated. If they can not keep consumers information correct then this company needs to be changed and stop handling information for consumers. 
My Current Address is XXXX XXXX XXXX, XXXX, LA XXXX and not XXXX XXXX XXXX, XXXX, LA XXXX. 
I have lived in XXXX, LA since 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am an XXXX member of the XXXX. I purchased my home in XXXX, paid the mortgage every month as agreed till now. Unsure how Nationstar Mortgage damaged this consistent payment, but they stated i did not pay my Mortgage for XXXX, XXXX and XXXX of XXXX then reported me 120 day past due in my credit report. My bank XXXX faxed documents ( Bank Statements ) proving all payments were sent electronically directly to them on time. Multiple calls were made, 3 internal Nationstar investigations/research completed, with no conclusion other than letters from Nationstar threatening FORECLOSURE!!! Nationstar has not only cause Pain to me and my family mentally and emotionally they have disrupted my financial standing by double dipping in to my checking account causing overdrafts and NSF. After informing them that i have the Credit Trace and File trace number for all the transaction made, they informed me over the phone it will be adjusted. I requested all findings be forwarded to my email for proof to my employers ( XXXX ). How is it that this company gets to XXXX up with no consequences? the damage has been done to my family and way of living, the mental and financial scares are deep. What is even sadder is i literally have fought and continue to fight and placed my life on the line to protect the freedom they enjoy today. Months without my children and wife, yes i understand i chose this, but does that make it ok for them to treat me like an XXXX or second rate citizen? I plan on taking legal action, i need help please. 
XXXX in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with MOHELA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been trying for years to determine how my loans have the interest rate they purport to have because I do not believe it is correct. When I spoke with my loan servicer, I was advised to contact the department of education. When I contacted the department of education, they told me to contact my loan servicer. I was finally able to obtain a marginal print-out of my student loans but it STILL does not contain the ( 1 ) actual notes indicating the interest rate, and ( 2 ) it also failed to show some of the interest rates on my loans claiming that the interest rate is variable. Last year, I found a major discrepancy in how my interest was being capitalized which led to an approximate {$14000.00} modification to my outstanding loans. I want to make sure that the proper interest rate is being applied to my loans. 
Moreover, I want to confirm that the principal on my loans are correct as well. 
All avenues that I have tried have failed to provide me with : -proof of the interest rate ( as it was upon execution with my loan documents ) ; -proof of principal ( as it was upon execution with my loan documents ). 

I can not understand why no one can provide me with a copy of my loan documents, and also provide me with proof of my interest rates. 

I will pay the debt I owe, but I believe I am being overcharged. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with HARRIS, KLEIN ASSOCIATIES, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A company by the name of Harris, Klein Associates, Inc called me stating that a flight that I took back in XXXX 2017 with XXXX was not valid because the credit card was declined. They told me I owed more than double the cost of the flight. I could n't find much information regarding the company, only that they had a website but no reviews and they are not accredited with BBB. They are saying that me and my girlfriend owe {$460.00} each for flights that were only {$600.00} total to begin with. I do n't feel this is valid but wanted to confirm this is valid. 

The company is located at XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX or ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 09-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Student Assistance corporation calls me with robocalls constantly. Most of the time I get dead silence over a voicemail and then a message mid recordeing. This time I bothered to answer because I was expecting a call from another business for another reason not debt related, and I dod n't get a live person on the other side. I got " Student Assistance Corporation is trying to reach you. Please call... '' XXXX, you had me. you reached me. I am not going to call back when you robocall me and then give me a robot to listen to when I do actually answer the phone.

Company response to consumer: Closed with explanation