milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hello, Thank you for taking the time to help resolve my issue. My most recent issue with my Citi accounts started when I was attempting to pay the merchant XXXX. The merchant payment was being held by Citi, after repeated calls and many hours spent Citi cleared my card for use. However, by now the merchants security measures had activated and I could no longer make the payment.

I then proceeded to log in to my online portal and activate virtual account numbers for my advantage gold. There was a technical issue that prevented me from completing the process without additional assistance. One more call to Citi technical support and another hour ; the kind representative helped me set up virtual account numbers on my gold card. After troubleshooting the outdated flash interface on the virtual account numbers page we opt for using the downloadable executable to my computer. Everything seems to be working well and we conclude the call.

Some hours later I launch the local desktop program in my computer, log in and generate a virtual number. Please keep in mind that throughout this ordeal I've been exclusively dealing and asking for help with my gold advantage card. Once the virtual number is generated I fill the details on the merchant site and execute the charge.

It went through! Success I think.

Fast forward to several more hours later, it occurs to me that I've only had issues with Citi in my short membership as a new customer ; I should probably check my account to make sure the charge posted ...

It did post but to the wrong credit card, [ sigh ] ... The charge was supposed to go to the gold card and not to my Platinum. I frantically launch the program in my computer again log in and check for an option to select a different credit card, but there is none. I think, " I specifically requested virtual account numbers on my gold card, there must be a mistake! '' Once more, I make a call to technical support and the representative tells me that there is nothing they can do. She mentions the outdated online flash portal has a selector for the credit card, something that is absent from the locally run computer program.

I feel like I'm just running around in circles now. I can't use the products I was offered and when I can use them properly they don't work adequately. This truly goes beyond what any bank could reasonably expect their customers to do to get something done. It makes me feel like it's intentionally difficult to cause confusion for customers.

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 04/20/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I made a {$59.00} purchase at Best Buy on my Best Buy Credit Card. In XXXX I made a {$30.00} payment. In XXXX I made another {$30.00} payment. I thought I had a credit of {$1.00}. XX/XX/XXXX I receive a collections letter from Citi Bank asking me to call. On XX/XX/XXXX, I try to access my online account to see what's going on and I'm locked out of my account. I call. I am transferred and put on hold repeatedly, spending over an hour trying to sort this out. I am told by 5 different people that my last payment incurred an interest charge and a late fee and then repeated late fees for the late fees. All the while, I have no idea. I never received a bill in the mail or via email. They told me I was signed up for online billing ( did not knowingly elect that ) which means, I have to go onto my account to see what is on there. Here 's the catch - if you're late, they lock you out of your online account. So I believe I have paid for my item and in fact, have a credit balance - meanwhile, they are charging me interest and late fees and I have no way to know that because they don't notify you and you can't access your account that they lock you out of. On top of that, why would a consumer even check their account in the first place when they haven't purchased anything with that card and last they knew, had a credit? I have paid them and closed my account effective today XXXX XX/XX/XXXX ). However, I am complaining to you because I want action for corrupt business practices. This process is corrupt and the intent is to fleece consumers. This needs to be stopped. I will never purchase anything from Best Buy again and I will not elect to do any additional business with Citi Bank.

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 11/24/2016 about Debt collection (Federal student loan) with GREAT LAKES (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unfortunately I been having issues with some type of debt collecting agency that I have no idea how I got into. It 's a fee every month they send through a email but I have NEVER borrowed money from whoever this is. So I 'm very confused and the fee is just going up every month, I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with Federated Capital Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XX/XX/XXXX I opened : " XXXX '' I used a credit card issued TO MY XXXX from " XXXX '' bank out of XXXX to purchase inventory. XXXX XXXX went BANKRUPT in XX/XX/XXXX-XX/XX/XXXX. My XXXX was unable to pay its debts and through court action was taken from me. " FEDERATED CAPITOL '' acquired all the toxic debt of XXXX XXXX, including that of " XXXX. '' Federated has repeatedly called, sent letters & issued summons to court three times. Once in XXXX, once in XXXX XXXX XXXX, XXXX, XXXX and recently XX/XX/XXXX ) attempted to place a LIEN against me through XXXX County Court, XXXX, XXXX. I have written Federated, spoken to them, hired a lawyer who contacted them. They refuse to drop the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Settlement process and costs

Complaint: I was under a loan modification. I was assigned a Home Preservation Specialist. I paid all modified payments as agreed. Document dated XXXX/XXXX/16 presented the outline of the permanent modification terms, including line XXXX. " Escrow shortage payment ( if applicable ) {$23.00} ''. My loan preservation specialist explained that the modified loan would do just that, pay the escrow in arrearage. The fact that an amount was populated, acknowledged by Wells Fargo that there was an arrearage and they declared that arrearage amount to be XXXX. I was given new payment amount and under these pretenses I signed and obligated. In fact the loan packet was sent twice and signed XX/XX/XXXX to be retro effective to XXXX XXXX. It is recorded and in effect. XX/XX/XXXX is my first month of payment since the signing and the Home Preservation Specialist no longer takes my call per not on his caseload any longer. Today I received an Escrow Account Disclosure Statement and Notice of New Mortgage Payment. I am being billed for the escrow arrearage that they did not capture, nor inform me of, nor bill me for, nor roll into the new loan for {$1300.00} and increasing my loan amount due to their error. My option is to find the funds and pay up front or increase my monthly mortgage payment immediately after signing a modified loan agreement. This is a misleading and fraudulent representation and I can not get anyone to own up to it. A supervisor in customer service was able to help me identify the error that Wells Fargo made, but he is not in the capacity to change it. I feel that if Wells Fargo stated in my preceding introductory documents that my arrearage was {$23.00}, and they reviewed through underwriting on multiple occasions, and I was lead to believe my loan payment would be {$950.00}, I do not believe it is my obligation to immediately increase my payments. This is fraud and misrepresentation. XX/XX/XXXX was when they processed my paperwork, and XX/XX/XXXX is the first month without representation from home preservation specialist. and is the same month that they hit me with a new increased amount. Note the attached XXXX XXXX, 2016 letter congratulating me on the processing of the modification. Immediately they change the terms. This is fraud!

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 07/31/2015 about Debt collection (Credit card) with U.S. BANCORP (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company is calling XXXX times per day from a blocked number. When I do n't answer they fail to leave a voicemail. Also, these calls are everyday even though I have already set up payment arrangements with the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: the company is Navient and they are repeatedly calling me several times a day 6 days as week. Today they called me three times in an hour. when I called to ask themto em to stop calling me everyday they were rude and denied the calls from today and told me that the calls will continue until I make arrangements. I am working on it but calling several times a day everyday is harassment. 
They also sent a letter to my aunt making her believe that she won a contes. They also harass her telling her that she needs to pay. She lives on Social Security now and they will not remove her from the loan because she is officially XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been getting calls to work threatening me to be sent to court and also on my personal phone I have already contacted advance America to find out who they sold my account to and that company ca n't find me on file there # is XXXX and it is called first financial but the company that I am paying is called also attorney XXXX XXXX in Georgia their # is XXXX I just need help in verifying if it is a legitimate company and I am paying off a debt please help me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Capital One Bank is presently advertising this special savings account : XXXXWhen I contacted them to open this account, they refused to extend the offer to me, saying that I had an account there once before ( which I closed in good standing XXXX years ago, in 2007 ). I have excellent credit. There is no reason for them to refuse to let me open this account now. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus failed to pay my property taxes from my escrow account. My property went to auction.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Customer service / Customer relations

Complaint: CITIBANK MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT NEVER HAD TRYED TO GET ANYTHING FROM CITIBANK

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Student loan (Non-federal student loan) with JNR Adjustment Company, Inc (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: XXXX XXXX - XXXX CA. 
One week into my last quarter I was called into the financial aid office and I was told that my tax paperwork had not been submitted for my Grant by the financial aid liaison that I dealt with there. That financial aid liaison was no longer employed at XXXX for me to talk to. When I approached the head of the office, she told me I had few choices. 1 ) I could pay out of pocket of the sum of over {$10000.00} or 2 ) I could get a loan direct through XXXX XXXX XXXX XXXX where there will be no interest charge and I could make payments or 3 ) I can drop out and not Finish College but I will still have all the federal students with no degree. I was not allowed not return to my classes until I told them my decision. Couple of days later, I selected to take the private loan through XXXX XXXX XXXX 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 06/26/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Payday loan, title loan, or personal loan (Title loan) with Cottonwood Financial Ltd. (NM).
Issue: Loan payment wasn't credited to your account

Complaint: I took out a title loan I was promised a {$50.00} rebate if I took it out with the Cash store. I have made payments and then could not pay full amount every month. I have paid the interest they said I had to. Then they would restate the loan which I do n't know why they need to restate it other than the APR has run its course. Now they want more interest instead of letting me pay the loan. There was a shady character come to my house no papers and never have I been served that they are taking my truck the Title they have. I feel that my payments have never been applied to the principle. They are practicing shade tactics. Are they loan sharks?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Credit card () with Continental Finance Company, LLC (OH).
Issue: Payoff process

Complaint: When I applied for Continental Credit Card, in amount of {$300.00}. to re build my credit and with XXXX XXXX for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, Continental Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XXXX of 2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add XXXX Credit Card company at time at end so I will do XXXX of these.

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 01-08-2016 about Mortgage (VA mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Late fees since XXXX XXXX to XXXX XXXX needs to be review with lender. We believe the late fees are incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: URGENTForeclosure sale set for XX/XX/XXXXRe : Carrington MortgageI have been trying to work with and submitting requested documents for a loan modification since XX/XX/XXXX. I have lost count but think it has now been nine ( 9 ) times so far. They have been unwilling to follow through on the promised process. Every time, I get a letter stating that I have not included all requested documents ( which I have. ) When I call to find out what they are missing, even the clerk answering says " yes I see that document '' and everything is in order and she will make a note for the processor so that it can go to underwriting. They have all my contact information but I never get a call or return call from the process person or underwriting. Months went by when I called and only got a recording stating that they were overloaded with calls and call back at a later time. I then and always get a letter stating that since I did not meet required documentation the file is closed. I call again, they see all documents but say there is nothing they can do once it is closed and I will have to resubmit. And the entire debacle starts again. When I asked where do I file a complaint, I was cut off. I have since enlisted the help of a Housing Counseling Agency and they are experiencing the same issues. Exuberant amount of time on hold only to be told the contact person is not in and also requesting documents already sent ( this can be verified in the XXXX Portal. ) The Agency has been outright refused by the servicer to speak on the loan despite Carrington having an authorization on file. Carrington seems to be purposefully postponing the review of the mortgage loan application when a pending sale date of XX/XX/XXXX is coming close. And with the XXXX holiday that leaves only 4 business days to remedy this situation. I therefore, urgently need your help and intervention immediately. We desperately want to keep our home and are diligently doing our part to try and make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX is not bonded in the state of texas so im asking that this be removed from all 3 reporting credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: At approximately XXXX on XXXX/XXXX/XXXX I was contacted by phone at my residence by a man claiming that he was in the area representing a firm by the name of XXXX. The firm was sending him to serve me with sealed legal documents that would require my signature. He stated I was being sued by XXXX of their clients. When I told him that I have no idea what he 's speaking of or who would be wanting to sue me, he then gave me XXXX and case # XXXX and told me to call the firm and they could explain. When I called the number the rep told me this was in regards to an HSBC debt of {$1200.00}. A debt that I have disputed since XXXX and more recently in XXXX. When I explained to the rep that I have never received any notice in writing from their firm and that I still dispute the debt. I was then told I had to pay in full immediately or I would be served legal papers today taking me to court. When I refused I was then offered a settlement for the half the amount. When I refused I was then sent to another dept and offered some kind of payment arrangements. When I continued to dispute the debt I was told I would be served legal papers today or within the next few days and they would see me in court. Then the firm abruptly hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX run my credit with out my authorization.

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