milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have an outstanding student loan with Citibank. In XXXX 2014, I spent time reviewing my account online in search of a method to increase the auto-debit from the minimum payment to a higher amount, like banks allow you to for credit card payments. I could not find this functionality and so I called the customer service line to inquire how to do so. The customer service representative advised accountholders could not do that on their own, but the customer service representatives could at our request. Therefore, I requested the amount to be withdrawn each month be {$150.00} and the additional $ XXXX be applied to my principal. The representative had me wait on the line a couple of minutes as they executed the request, advising they could n't withdraw an even {$150.00}, but it would be a mere few cents over. Confused, I asked why and they advised it 's just how their system is. I advised that although weird, that it was fine as long as the extra was applied to principal. They then confirmed everything had been taken care of. However, now I have heard from some that many loan providers incorrectly modified the loan schedule for the higher payment, instead of keeping it the same and just adding the extra payment amount to principal - which could qualify as a UDAAP violation. Additionally, that the incorrect loan information ( including minimum payments ) is being provided to the credit bureaus - which is a FCRA violation. I called into Citibank last week to ask whether this was the case - changing the loan schedules vs. applying the extra amount to principal - and their people even confirmed it! They advised there is no way for them to increase the amount withdrawn each month except in doing this, but that I should have been advised. I asked how has this affected the interest I have paid, and they are claiming there is supposedly no impact, but that makes no sense. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NE).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened US Bank checking account with Promo Code " XXXX '' for {$200.00} sign up bonus for meeting one ofthe two following requrinments. 
" To receive a {$200.00} bonus open a new U.S. Bank Silver, Gold or Platinum Checking Package, and complete one or more direct deposits totaling at least {$500.00} or complete two or more U.S. Bank Bill Pay transactions of {$25.00} each within 60 days of account opening. " I did two bill payment transactions on XX/XX/XXXX through the bill pay section of the online banking user interface. 

I called the bank on Wednesday XX/XX/XXXX to check the status at XXXXXXXX XXXX  Central time. 
I was transferred to 3 different representatives. The gentleman I spoke to last said that I did not qualify as the bill payments I made were not classified as bill payment. 

I would like to bring to the notice that I did those payments through the bill pay section as they can be seen in my bill pay history in the attached screenshots. 

I have been wrongly denied the bonus and would like to request that the {$200.00} is deposited in my account at the earliest.

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 04/26/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KY).
Issue: Deposits and withdrawals

Complaint: Someone hacked my daughter 's deposit mobile on her cell phone and deposited XXXX checks into XXXX separate accounts. The hackers also did several other transactions with the accounts from grocery stores and various ATMs. The funds from the fraudulent checks were immediately available so the hackers transferred the funds between the accounts until they found an account that they could withdrawal money from an ATM. The bank says we are responsible for the money taken even though we are victims of identity theft. The bank has procedure for customers to file for identity theft and are victimizing us twice. We have filed police reports and reports with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 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: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquiries from : -XXXX/XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 











Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Payday loan) with Secure Capital Management, Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Representatives from SCM ( Secure Capital Management ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ARS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am being assessed a {$10.00} fee for paying my mortgage on the XXXX of the month. I am making my payments online through the mortgage site. There is a {$19.00} fee for contacting the mortgage directly. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Billing disputes

Complaint: I went to the dentist to get a XXXX and they said I could do a monthly payment plan for {$1000.00}. As long as I made a monthly payment and paid it off within a year I would get no interest. I sent in a payment by check and they said that they did not get it. I sent it in timely as I work for the postal service. I had the money in my savings account so I did not have to open up this card but because it was free and did not want to use my monmey that was in my savings. But because they kept on adding the late fee charge I just paid it off in full. Mind you, paid it off in full minus the late fee/interest of {$450.00} they charged me. ANd now it is on my credit report for paying something off in full before the due date. I did the right thing by paying this off and paid what I owed ( {$1000.00} ) in the year time frame and I get this on my report that is not valid. I pay my bills on time and did not need this card. and it screwed me over and would never do business with chase ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: I have a business credit card through Citibank, a Citibusiness AAdvantage Platinum Select Card. My last statement balance was {$750.00}, and I paid {$700.00} on the due date of XXXX/XXXX/15 ( no disagreement on payment due date or date received ). I was charged interest on XXXX/XXXX/15, in other words 10 days after payment, on the month 's average daily balance, rather than the unpaid balance of {$50.00}. And almost exactly the same situation occurred last month ( with a similar charge ). 

This {$11.00} charge is in addition to the {$100.00} annual fee I pay, and the ~2 % fee paid by merchants. All other credit cards I have charge interest on an unpaid balance ( not the average daily balance across the whole month ), and I find this practice of Citibank 's to be i ) an unusual, illogical, and frankly, greedy attempt to create fees and ii ) unfortunately in keeping with Citibank 's reputation of aggressive and opportunistic ( fees ) behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NATIONSTAR MORTGAGE (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have enclosed documentation but briefly Nationstar Mortgage was servicing a non secured loan that was discharged in Bankruptcy Court in 2013. Approximately a year and a half later I began receiving " Informational '' statements from them that look exactly like invoices. I have attempted to have them stopped being sent and have been assured by their staff it would but they continue to send these. I would appreciate any assistance on your part to review and assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Getting repeated calls from Dynamic Recovery Services on my cell and landline ( unlisted, unpublished number ). I owe no debts except a current mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian XXXX XXXX, XXXX Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Wrong : XXXX XXXX XXXX XXXX XXXX XXXX PA 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 non-monetary relief
Consumer complaint received 10/17/2016 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Unsolicited issuance of credit card

Complaint: Received letter from Wells Fargo thanking me for opening a credit card account with them. The letter also included a copy of my XXXX credit score. 

However-at no such time in the past nor present have I ever requested and/or applied for a Wells Fargo credit card.

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 01/31/2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (IN).
Issue: Fraud or scam

Complaint: I received a gift card for XXXX XXXX for {$150.00}. It is a XXXX XXXX XXXX with US Bank National Association. I activated the card at XXXX and there was {$150.00}. This was XXXX of XXXX. I have made no purchases on this gift card. When I went to check the balance today it says there is a {$0.00} balance. I called customer service and was told the card was used twice in XXXX. I did not use this card and ask how I can file a dispute and was told that although they can tell me when transactions took place, they can not tell me what the amounts were nor what the original amount placed on the card. I did a bit a research and found this website. If there is any way I can possible recoup my gift card it would mean a great deal to me. This was a gift from my children and I do not have a receipt. I ask the customer service person for a transcript or an itemized list of the charges on the gift card and was told they could n't do that.

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 10-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I have account with American Express Blue and they have refused to take a dispute regarding XXXX interest charges that change with date year and amount in every monthly statement I receive and each time can not explain why and refuse to take dispute interest charges amount to XXXX dollars this is not for the regular monthly interest charge on my credit card for example for this month XX/XX/XXXX a charge for the month of XXXX XXXX {$36.00} promotional interest charged and same monthly statement XXXX XXXX purchase charge XXXX each month same date year different amount in interest charged this has been going on for almost XXXX yrs and each time refuse to take dispute against own credit card company even though I have paid off balance in question this year XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX posted a 30 day late on my credit report for XXXX, Equifax and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX XXXX. My husband, XXXX XXXX, died XXXX. He had taken out a mortgage with Ocwen Loan Servicing. The note is insured & should have been paid off upon his death. Ocwen refuse to pay off the loan & requires that I continue to pay it or they will foreclose. They said the insurance is for their protection. I have to pay this mortgage although I did not sign or authorize the mortgage. 
Ocwen was notified of the death of the borrower ( XXXX XXXX ), and a death certificate sent to them, yet they refuse to use the insurance to pay off the mortgage. Ocwen, consistently states that they can not communicate with me because I am not authorized on the loan ; yet, they continue to require monthly payments, or they will foreclose on the property. Ocwen should return all of the money that I have paid after the death of XXXX XXXX, for the past 2 1/2 years ; with interest. Ocwen is being paid double. Ocwen states that I I am not authorized on this loan, yet they continue to send & request payments each month & will not/have not used the mortgage insurance to pay off XXXX XXXX 's loan. This is not a good practice and it 's causing me great financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: open escrow on XXXX-17 this was a 20 day escrow I paid for appraisal and inspection, seller got termite and hoa inspection done purchased home warranty. On friday XX/XX/XXXX at XXXX I was told I didnt have a loan and I loss the house because I was not fully qualified. I also gave notice to my apartment to be out by XX/XX/XXXX. I had put gas and electricity in my name already as I was told too, purchased a home insurance as well. 

I signed disclosures of rate, had rate locked, amount of all expenses to buy house

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (SD).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX I received a copy of my credit report from my Credit Union ( pages 1-2 enclosed ) after I was denied credit from XXXX XXXX XXXX   because of a false and erroneous citation by US Bank to a Credit Agency. That same month I contacted US Bank to open an investigation to correct the  erroneous citation, which was settled with the creditor in XXXX! 

My credit report shows an open unsettled past due balance with US Bank of {$6700.00}, but that is in error. Please see the enclosed settlement letter. 

Not only has my credit history been injured, but US Bank has continued to be very dismissive in trying to correct the problem. I have had no response from them since XX/XX/XXXX, after making several more calls as recent as XX/XX/XXXX, for which they only acknowledged that they see that a file was opened ; but absolutely no progress has been made. 

I have suffered substantive punitive damages and I think it only right to be financially remunerated for this damage in addition to have my credit record back dated and corrected. I believe that this infraction needs to be recorded against US Bank as due retribution. I am currently in the process of trying to purchase a dry cleaning franchise but I am impeded by US Banks continuous apathy and sloppy practices. 

I am very angry about these big banks receiving all these bailouts and then US Bank XXXX XXXX CEO XXXX XXXX resigns in a scandal. It seems like the system is rigged!

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was US Bank. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XX/X/2017.

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