milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Citibank ran a promotion whereby a consumer opening a new account by a certain date would receive {$400.00} after 3 months of maintaining a balance of over {$15000.00}. I opened such an account on XXXX XXXX, met the requirement, but failed to receive a bonus. Upon inquiring, I was told that I would have to wait for up to 90 days for a resolution. In the meantime, I was told that I can not close the account, and if I withdraw funds, I would be subject to monthly fees. This is fraudulent behavior, requiring me to keep my funds in the account for an arbitrarily long period of time. Now I face the choice of foregoing the promised {$400.00}, extending my account duration by 5 months later than initially outlined ( it has already been 2 months since I fulfilled the requirement ), or paying monthly fees to Citibank for 3 months if I take my money elsewhere while the institution " investigates. ''

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 10-09-2017 about Debt collection (Credit card debt) with GC Services Limited Partnership (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: GC Services Limited Partnership, XXXX XXXX XXXX, XXXX, TX XXXX, and myself made an agreement to pay a certain amount of money each month on an open credit card account that was in collection. I have made each payment prior to the due date to ensure that they would not start calling incessantly as they did prior to me answering ( as I do not usually answer numbers I do not know ). I made a payment for the month of XX/XX/XXXX on XX/XX/XXXX ( due date XX/XX/XXXX ). I received a letter from GC Services Limited Partnership dated XX/XX/XXXX titled " NOTICE OF MISSED PAYMENT. '' As I know this was untrue as I never miss this payment, I called them on XX/XX/XXXX. The woman who answered the phone stated that she had record that I had made payment prior to the due date on each occurrence. She stated that she was aware these letters went out and this occurred due to an " upgrade to XXXX XXXX XXXX. '' I never received a follow-up letter from them stating that this was done in error, although the representative clearly stated that they were aware this happened. I also pointed out to her, if the system was printing them in error, the humans that placed them in envelopes should have caught this and thrown the letters out. GC Services is attempting to collect additional payments by sending out these letters by alarming individuals who have made payments on time and per their agreements with GC Services.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit reporting agency, Equifax, has had a severe security breach to which I have " possibly '' been affected -- not a " yes '' and not a " no ''. While that sounds extremely vague, it is extremely unsettling. I 've heard that the security breach could have been as early as XX/XX/XXXX - XX/XX/XXXX, and it is only now becoming public knowledge here at the beginning of XX/XX/XXXX. I work very hard to pay my bills on time and to establish myself as a trust-worthy borrower. This company has my confidential information, and I am not pleased that their digital security is lacking enough to have had a breach. Not only is my personal information possibly in the hands of others whom should not have it, I also heard that their executives issued an impromptu stock/sharing sell-off prior to the public 's knowledge of this security breach. I 'm not an expert, but that sounds like insider trading to me. From what I hear, and if past occurrences are any indication of the precedent that has been set, this company and its executives will receive a " slap on the wrist '' while other hard working Americans could possibly have their lives ruined due to identity theft or other types of forgery at the carelessness of others. I 'm sure this is not going to be the first complaint against Equifax, or the last, but this is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA.

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 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Portland Credit Inc (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was sent to collections after 30 days for a water bill when the city would n't let me set up a payment plan. I did not receive any correspondence, but got a call from Fidelity Collection Services. They used vulgar language. They added a {$100.00} fee plus 9 % interest. They would n't work with me on removing the fee so I could pay the debt. They threatened to garnish my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Advertising and marketing

Complaint: I received an automated call from XXXX. It said to select 1 for the last day of the promotion. I selected 1 and spoke to a man. I asked him what credit card he was referring to. He listed a ton ... Visa/MasterCard for XXXX, Capital One, he named a few others. I asked what specific account he was calling about and he told me Capital One. I told him that I was on the DO NOT CALL list and the only reason I should be called is if fraudulent chargers are found. He told me I was not listening to him and the said he was going to cancel my account. " Excuse me? '' I asked. He said ... " You heard what I said '' and then hung up. I called Capital One. They said they do not call with promotions, only fraudulent charges. I did not think a Capital One employee would act so professionally. I should have played along a little longer to see if he was going to ask me for my credit card info. I think this is likely a scam and should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  XXXX   XXXX ,  XXXX , I was wrongfully charged with a toll violation while driving in  XXXX . I was driving home to   XXXX   XXXX  .     In  XXXX   XXXX , I received the first notice of the alleged violation. I promptly appealed the violation in  XXXX  by mailing the required evidence that showed my   XXXX    account had a positive balance on  XXXX / XXXX / XXXX .     On  XXXX / XXXX / XXXX , I was sent a FINAL NOTICE OF TOLL VIOLATION. Again this violation alleged I had driven through a  XXXX   XXXX  without remitting the {$4.00} toll due. An Administrative fee ( {$25.00} ), a Civil Penalty ( {$25.00} ), and a Civil Penalty Surcharge ( {$12.00} ) took the total amount I allegedly owed the   XXXX   XXXX   XXXX   XXXX   to {$66.00}.     Again, I responded promptly. A  XXXX  employee told me over the phone I could send my appeal via email to   XXXX   XXXX    Custome r Service. So I emailed  XXXX  a printout of my  XXXX  Account Activity, this time highlighted and circled, showing them that my account had a positive balance on that date.I emailed this to them on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I received an email response from   XXXX   saying " Im happy to inform you that your appeal was approved, granting you the waiver of the previously applied administrative fee  ( s ). '' The l etter contained a request to contact   XXXX   to pay the {$4.00} toll. The letter did not explain why I still needed to pay {$4.00} toll ; I thought my account activity proved that I did not owe any toll. The letter did not mention any deadline to pay this toll, did not state any possibility of the administrative fees being re-charged, and did not state any deadline before the debt would be sent to Collections.     In  XXXX   XXXX , I opened a Notice of Assignment to a  Collection Agency dat ed  XXXX / XXXX / XXXX , from Professional Account Management, LLC ( " PAM '' ). The total amount due is listed at {$66.00}.     On  XXXX / XXXX / XXXX , I called PAM to dispute the charge. The agent,  XXXX , who would not give me her badge or ID number but stated her initials were "  XXXX , '' told me she was making note of my dispute but that she could not help me, I would have to talk to  XXXX .     I immediately called  XXXX , and spoke to  XXXX  and then a supervisor. Both parties would not admit any fault, and simply said that because I did not pay the {$4.00} in  XXXX , they had referred the entire amount of this completely bogus claim against me, {$66.00}, to the collections agency. I told them I would pay {$4.00} right then and asked them to alert PAM that my debt was settled. They refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Vehicle loan or lease (Loan) with Reliable Credit Association, Inc. (OR).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: XXXX called my wife at XXXX XXXX XXXX XXXX on XX/XX/XXXX that is a very busy part of her workday and she was n't able to talk right then. Soon after, she called me XXXX XXXX I 'm an XXXX and was with a customer when she called and could n't answer my phone at the time. XXXX actually violated the Fair Collection Practices Act by then calling my husbands employer and letting them know that Reliable Credit was trying to contact him. This caused me severe stress that they left a message stating what company they were with. If you do n't call Reliable Credit back immediately, they will call you several times in one day.
We are going through a difficult time which I had just explained to a representative of your company just 1.5 weeks ago. We relocated to XXXX Oregon and have had several chain reaction events happen in our lives to cause us to get behind on payments, a medical emergency, a job that baited and switched on my husband turned out to be a terrible work place and only paid once a month, my wife 's job also paid once a month, this was very difficult for us to adjust to once we had already moved. The most helpful thing they could have done was to put one or two of those payments to the end of our contract like XXXX  did on my Wife 's car. Instead they have offered no help like this and instead have called us several times a day until we had the chance to get back to them and caused severe anxiety and stress while we were at work during times we were unavailable to talk with them. Leave a message, allow someone a chance to call you back. They also processed a payment without our permission using online stored bank account information. Last month, someone at Reliable Credit processed a payment that was not scheduled. I looked on the site to see how much we owed for a payoff balance and we had decided to make the payment on the XXXX of the month, three days later, a payment that was not scheduled by us hit our bank account and caused us to have a difficult time of surviving for two weeks with no money and cause overdraft fees and returned a different scheduled payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is reporting that I have paid over 30 days late. XXXX times. This is false.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called Transworld Systems Inc and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a Capital One Platinum Mastercard in the mail with all the usual verbiage about privacy terms of use, etc. on XXXX XXXX, 2016. I have never requested a card from Capital One and do not want this one. A day later, on XXXX XXXX, I received a badly printed letter advising me that a fraudulent account was opened in my name and that I needed to call and verify if it was me because I might be a victim of identity theft. This letter contained the last XXXX digits of the card number and my name, which was misspelled. Upon receiving the letter, I did a search on the phone number listed and discovered that it was a common scam. I have not activated the card but I am concerned someone is trying to use my personal information to open accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans included an invalid XXXX tax ( XXXX ) into my XXXX/XXXX/XXXX escrow analysis. This tax was not included in my XXXX analysis by XXXX. My mortgage was sold to Caliber by XXXX in late XXXX. According to Caliber this added tax caused an increase in my yearly escrow payment from XXXX XXXX X XXXX XXXX XXXX to XXXX XXXX X XXXX XXXX to XXXX. This is a yearly increase of XXXX. I ca n't believe that adding in this bogus amount of XXXX caused an increase in my escrow of XXXX plus I would have a carryover balance of XXXX. So now the total increase is XXXX, XXXX My monthly mortgage payment will increase from XXXX a month to XXXX per month. In my opinion this is borderline fraud. I have talked to XXXX Caliber representatives and I was told that it would take from XXXX to 30 business days to remove the XXXX. No one could tell me why my escrow had incurred such a huge increase. My monthly escrow should have remained at XXXX, since there was no increase in my XXXX taxes and insurance. As of XXXX XXXX, XXXX my mortgage statement shows an escrow balance of XXXX, with a XXXX escrow payment of XXXX to be collected and a tax payment of XXXX to be disbursed, also in late XXXX. This should leave a balance of a plus XXXX going into my new XXXX escrow year. During the XXXX XXXX - XXXX escrow year, my escrow account did not reach a minus balance. And this company is increasing my monthly escrow payment from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/XXXX it came to my attention that XXXX payments made on XX/XX/XXXX ( {$350.00} ) and XX/XX/XXXX ( {$350.00} ) had not posted to my Navient account. I submitted an online request for assistance. I received an email back saying they had not received the payments and to please send a copy of the bank statements. I immediately ( same day ) attached copies of the payments from my bank and emailed them back. I did not hear back from Navient. On XX/XX/XXXX I called Navient to follow up. They said they had no record of my email and asked me to fax the documents to them, which I did that same day, XX/XX/XXXX. After not hearing back again, I called on XX/XX/XXXX at XXXX and was told they received the fax but did n't not have any record of the payments. I asked to speak with a supervisor ( XXXX ). XXXX told me she would submit an inquiry to XXXX XXXX since they were probably lost in the transfer of my loan from XXXX XXXX to Navient and to check my account in XXXX weeks. After payments we still not posted, I called again on XX/XX/XXXX and asked to speak with a Supervisor ( XXXX at XXXX ). XXXX said the information I submitted was not sufficient and they need the Electronic Fund Transfer ( EFT ) numbers. I informed her my bank does not have access to EFT numbers but I had submitted copies of the payments that included the confirmation of payment numbers. I asked to speak with a supervisor and the call was disconnected by them ( I called from a land line ). Navient has never followed up with me, they did not send confirmation of receipt of my email or fax, nor did they ever reach out to me to let me know the status of my claim. They have never contacted me to help resolve the missing payments, even after hearing back from XXXX XXXX on XXXX XXXX. I am writing to ask for your help. I 'm not sure what else I can do. I have copies of my bank statements showing the payments, Payment detail receipts showing confirmation numbers and a log of my contact with Navient. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I finalized a " deed in lieu of '' several years back and with that came a release of my second or line of credit unfortunately XXXX did nothing and left the original second loan on my report. Attached is a letter verifying that is was approved. I really need to get this corrected can you help. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax ( a company I never directly engaged with ) has obtained large amounts of my personal information and mishandled it by not implementing effective defensive cyber security tactics and left certain critical pieces of their public facing web infrastructure in a vulnerable state. 

These ineffective security practices have been exploited and have put me and over 100 million other people at risk of fraud and identify theft that can cause meaningful harm.
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I find their offering of a single year of credit monitoring and protection to be ineffective, as the stolen data can be used at any time ( far longer than just for one year from when it was stolen ) and can be used in a damaging way against all affected people forever.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was recently denied for the HAMP program and according to my income the payments are not affordable. the denial letter did not give me that reason. i can not afford my payments at the present time although i keep trying and wind up paying late. my value of my home keeps dropping drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: There has been an issue with my Citibank account that I 've had with them for 3 months. I was mailed this offer by them that clearly stated that there was 0 % Intro APR for 18 months on balance transfers and purchases, however, I 've been charged interest on the card for my purchases, when it, again, clearly states that I was to not be charged interest for 18 months. When I called them, I was told that no interest was only for balance transfers and not his purchases, and AGAIN, the mail that I was sent by them STATES " 0 % INTRO APR FOR 18 MONTHS on balance transfers and purchases ''. I was then transferred to a supervisor who was literally no help at all, and who had the audacity to telle that in order to fix THEIR problem, I needed to mail in the letter that THEY sent. I 'm not really sure how that even makes sense, considering this was an offer they mailed out, not something that I made up. I got so fed up with this nonsense that I ended up paying {$2200.00}, along with another XXXX something dollars in interest which he did n't even have to pay for another 18 months, and closing my account with them. This was incredibly fraudulent of them. They are practicing false advertisement.

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 monetary relief
Consumer complaint received 12/20/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship

Company response to consumer: Closed with explanation