milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Between XXXX XXXX and XXXX XXXX 2017, Citi did not send me emails notifying me of a statement available on my account, in violation of the Fairness in Lending Act and their Paperless Terms & Conditions. Citi has reported delinquent non-payment during this period to the credit reporting agencies. This card was not linked to my online account during at least this time period, potentially even longer. No balance due was visible to me, and I was not able to access current or prior statements online. Thus, emails regarding statements which were actually sent about or after this time period did not materially provide a statement. They only contained a link to my online account which this card was not linked to. When I called Citi on XXXX XXXX, 2017, Citi was unable to confirm an amount due against my card. Citi never alerted me to : the original balance due, a failed AutoPay, my removal from AutoPay, or a deliquent balance. Citi failed to adequately contact me by email, phone, or mail regarding this issue. The attached emails constitute the entirety of email communication from Citi regarding this account between XXXX XXXX - XXXX XXXX, 2017. Citi has claimed to have contacted me via mail which is false. The only potentially related contact I have are identical voicemails on my phone from XXXX advising me, at their most explicit, to " login at www.citicards.com and review your account status ''. Which I did. Which again did not show any balance due or problems with my cards visible there. I informed Citi of the missing statements on XXXX XXXX2017 which meets the deadline under the Fairness in Lending Act.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!

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 12-01-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My bank ( XXXX ) offered a balance transfer option which I took advantage of in the amount of {$11000.00}. I asked that the money be sent to my Citibank MC to partially pay my balance of {$12000.00}. XXXX sent the first check to the incorrect Citibank address. They reissued the check and Citibank received it on XX/XX/XXXX. Since it was past the monthly due date and to avoid interest charges on my balance, I paid the {$12000.00} in full. Therefore the {$11000.00} XXXX check now created a CREDIT balance of {$7800.00}. ( I use the card constantly hence the credit balance of less than {$11000.00}. ) On XX/XX/XXXX I called CitiBank and asked for a refund of the credit balance which I was told would be deposited in my checking account in 4-5 days. On XX/XX/XXXX I called again, spoke to a supervisor who contacted XXXX to verify the validity of the XXXX check. I was then promised again that the credit check would be in my account by today XX/XX/XXXX. It still has not been done.

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 11/16/2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (OH).
Issue: Closing/Cancelling account

Complaint: I opened a credit card ( ending in XXXX ) with Penfed Credit Union on XX/XX/XXXX, I was using this card for over two years without any problem. All of sudden, they closed my card without a notice until my transaction got declined when I was trying to pay at a gas station with this card a few days ago. Then I logged onto my account, the card disappeared on the page. I also check my credit report, it shows that the card XX/XX/XXXX. I contacted their customer service to reopen the card, they did not give me any explanation and said they can not reopen a closed card, I can only go to apply a new card, then I submit an application, it got denied. I have never requested to close the card. And this is the SECOND time that they closed my account without notice!

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 05-09-2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice of d ebt ( File No.  :  XXXX  ; Acco unt No.  :  XXXX  ; Amount : {$1200.00} ) from  Rausch , Sturm , Israel , Emerson & Hornik LLC (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  WI  XXXX  ) in  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent a letter certified, return receipt requested  (   USPS Tracking No.   XXXX  ), disputing the validity of the claim and requested verification of the alleged debt. The letter was received on Rausch on  XXXX   XXXX ,  XXXX . I never received any response.     On  XXXX   XXXX ,  XXXX , Rausch filed a small claims action against me in  XXXX   XXXX , WI  (   XXXX   ). I  appeared in court on  XXXX   XXXX ,  XXXX  and again disputed the validity of the claims and requested verification of the alleged debt. I have appeared in court  three tim es to date and  Rausch  still has not provided the requested verification ( they have provided an account statement for an account I have never had, and for which I have provided proof that it does not match the account I had with the company ). I am now required to appear in court yet a fourth time.     This action was taken in violation of the FDC PA Sec. 809 ( b ) as Rausch was notified in writing within the thirty-day period described in subsection 809 ( a ) that the debt, or any portion thereof, is disputed, and the debt collector failed to obtain or provide  verification of the debt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SYNDICATED OFFICE SYSTEMS XXXX {$1000.00} XXXX I 've never been to XXXX.This is a result of someone using my Id. I 've had a fraud alert on my credit file for years

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 02-02-2016 about Debt collection (Payday loan) with Niagara Restitution Service Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from NRS saying I owe a debt to their client if not paid then they continue with garishment and other legal action against me. I was persistent that I do n't know where the debt came from and I did n't take any long out. I also mentioned that I will have my lawyer to contact them but they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I n  XX/XX/XXXX  - XX/XX/XXXX ,  I was enrolled in   XXXX   XXXX   XXXX   XXXX   XXXX    onli ne. While attending, I had to apply for  a Tuition Answer privat e loan with a co-signer through    XXXX   XXXX  .  As I can recall, I had applied for  XXXX  private loan instead of  XXXX . Currently, I 'm aware that you have filed a lawsuit against  Navient. I re cently noticed this information and needed to send you my information regarding my account and any issues wi th Navient. I 've  performed an investigation on my account regarding all my loans  - Federal and Private. Currently , all of my subsidized and unsubsidized federal loans have been consolidated and sent to  XXXX . However, I have  XXXX  private loans dated back from   XX/XX/XXXX .  Here are the listed private loans in question : Disbursement   XX/XX/XXXX  - T uition Answer - {$7300.00}, Interest 5.50 %, Total Balance : {$9900.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursement XX/XX/XXXX   - Tuitio n Answer - {$4100.00}, Interest 5.50 %, Total balance : {$4800.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursemen t  XX/XX/XXXX -  Signature Student - {$6000.00}, Interest 9.125 %, Total Balance : {$8600.00} ( This loan is not listed on my account detail  ). Direct Repay -- Status : Elig ible.  <P/>  Navient has b een contacted for them to send me the signed promissory notes for each of these private loans. The representative stated that I would receive them by the end of  XX/XX/XXXX , no later than the first week of   XX/XX/XXXX .  In addition, while paying on my loans I 've contacte d Navient in    XX/XX/XXXX ,  XX/XX/XXXX  or  XX/XX/XXXX  regarding removal of my co-signer. They stated that I had to make 12 on-time consecuti ve monthly payments and a credit check, in order to remove the co-signer. I have been  XXXX  month late because my paycheck did not fall on that date which caused my account to be delinquent . Navient h as never told me about a grace period after the due date which is the   XX/XX/XXXX   of every month. As for income-based repayment, I could not get that for my private loans it was only offered for federal loans.  <P/> I have a copy of my account detail breakdown for you to see what is going on with my account. I 'm trying to get an understanding as to why the interest is more on  one  account than the other and they are close in age. In addition, why is  Navient charging me for loans I have n't applied for, and why Navient does not offer inco me-based repayment for private loans? Please check on any illegal deferment or forbearances that were placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This morning I checked my credit report with Experian and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is 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 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A vehicle lease reporting on my credit file was NEVER delinquent but Equifax is reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX for XXXX # XXXX. This account was never late and should not contain any status codes. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from Equifax has verified anything with them. Experian and Transition are NOT reporting any late on this account. SO how does equifax have this account reporting this way? illegal

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XX/XX/XXXX I was notified that servicing was being transferred from XXXX to FedLoan, but not to worry because everything would be transferred including auto debit. After not hearing anything further, I contacted FedLoan to make arrangements for my XX/XX/XXXX payment, and expressed multiple times that I did not want to be placed into a forbearance while able to pay under the IBR plan that I have had since XX/XX/XXXX. Auto debit was not set up yet and I was given the opportunity to make a XX/XX/XXXX payment, but it was not the full amount ( the other group was still in administrative forbearance ). I was assured that my request to remove the forbearance and set up auto debit would be processed. I also asked to be allowed to make the other XX/XX/XXXX payment, and was told my request would be submitted to Treasury. I received notice for XX/XX/XXXX that only the one group was set up for auto debit, so I manually drafted the other payment. Then I received notice that I was delinquent. I called to clarify, was told not to worry because it was for the XX/XX/XXXX payment that I was requesting permission to pay, and it would show late but nothing would happen, and in the meantime Treasury would contact me. Today I received notice that my request for a " delinquency forbearance '' was approved. At this point I feel like we are going backwards. I would like help to achieve this outcome : Both groups/all loans in Repayment under my IBR plan ; Both groups/all loans set up in Auto Debit ; Process request w/ Treasury to pay the XX/XX/XXXX payment ; and Do not penalize me for delinquency or late payment for XX/XX/XXXX, as I have been extremely clear - by email and by phone - that I was requesting the forbearance to be removed for the purpose of making the payment. Thank you for your assistance with getting the servicing of my loans back on track.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Good Morning, Today I ask for help, because I 'm trying to do the modification of loan, a few years ago with NationStar mortage, all because my rate this very high XXXX ( rate ). Already sent the documentation for them as not reach my goal.Find a lawyer who promised to help me.Make paid like it, she Recommended then she disappeared with {$3500.00}, and i have the receipt from the bank. Then I return to square XXXX .Find another lawyer who did all procedures, which also failed to further discovered that it was doing wrong according to the bank. In short I am in Foreclosure sale for XXXX/XXXX/XXXX at XXXX XXXX I need help because I do not want loose my house. Because in XXXX my house bought the same {$500000.00} and gave XXXX. I do not have anything, only my home. They can help me need urgent.Please. 
Every lawyer contact me saying going to help is Scam.URGENT

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CO).
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: This is my third report towards AMEX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that AMEX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as AMEX refused to help during the time they held my money without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.

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