milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I am deeply disappointed by CitiBanks poor communication and lack of respect for their customers. My experience could not have been worse. They closed my both business and personal accounts recently without giving me a reason and made me lose much of my time for trying to communicate with their personnel to resolve the issue. They made me cover expenses I was n't ready for because my accountants had to work extra hours to open new accounts for me and to reorganize financial flow.  <P/> The person responsible for my accounts closing is  XXXX   XXXX . Not only she failed to deliver a clear message that CitiBank decided to close my accounts ( she lives in  East Coast Time Zone  and used to call me when peopl e in Pacific Time Zone usua lly sleep ). She refused to handle the issue at all after I asked her to take into consideration our time zone difference. It is unclear wh y CitiBank creates the illusion that its local branches are a helping hand. Those branches are absolutely helpless and simply waste more of your time by holding on while an important person from East Coast makes   a decision.  <P/> This poor communication and unwillingness to reply questions made me feel that I am a mere rascal who was not even worthy of communicating with. All that comes into my mind is that they thought my account activity was illegal. I withdrew cash to pay salaries to my  XXXX  employees several times. If that became a real reason of kicking me out, then they took away my constitutional right for freedom. I have freedom of choice and I chose to use cash to pay salaries. If that is not a real reason they closed my accounts then everything is completely obscure. They never spent some time to explain me why I was treated as no one. Nor they did let me know they would close my credit account. I found myself in a completely miserable situation when my payment was declined in the shop. I 've made LOTS of attempts and spent many hours to resolve these issues over the phone, by email, and commuting to the local branches.  One of the Citibank local branch managers said that California is considered to be a fraud state by Citibank top managers and they used to simply close people 's accounts when they think there is something wrong. I value my time and I want Citibank make an appropriate refund and apologize for inconvenience. I will consider my company 's reputation and my personal reputation restored then. If needed, I can go to court and stand out for myself so other people would n't be treated like that. CitiBank re quires their customers to be transparent but are not to be transparent as well. This reminds me totalitarian regime and leaves a bitter taste of disappointment and frustration.

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 06/26/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Applying for a mortgage

Complaint: THE ORIGINAL LENDER WAS UNLICENSED TO FUND THIS LOAN, IT WAS ALL DONE AS PART OF THE FINANCIAL CRIMES BEEN COMMITTED AGAINST CONSUMERS BY THESE WHITE COLLAR CRIMINALS, THERE IS AN OPEN CASE WITH THE DOJ, AND I JUST SUED THEM ALL AND JUDGES IN FEDERAL COURT

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have an auto loan through USAA. I made an additional payment on the loan outside of the regular monthly payment. Their app automatically triggers the additional payment to allocate between principal and interest on the loan. I tried to fix the payment so it was all applied to principal and it does not allow you to fix the payment. I tried to get them to correct through their chat function and could not. I left them a call back number and am waiting for a response. The app should automatically allocate additional payments to principal. I would like my payment applied to all principal. I feel like this is not a fair feature in their app to the consumer. The default for making an extra payment, should automatically be allocated to principal. The app makes you select principal only ... this should be the default. This occurred X/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on XX/XX/XXXX- XX/XX/XXXX, i was involved in a scam. that morning of XX/XX/XXXX, i logged into my XXXX account and it said that i had been victimized, for lack of a better word, and that all my account info had been stolen. immediately i XXXX for a number to call XXXX and resolve this. i have since been told that XXXX does not have a listed phone number. but, when i XXXX the number came up as XXXX. i immediately called the number and spoke to a man, XXXX XXXX , at ext. XXXX. he told me yes, my account had been hacked and that i had 115 trojans showing. he also told me all my credit card info had been hacked, as well as my bank account, etc. i have to tell you i was scared to XXXX. i am a single XXXX year old vetran living on social security XXXX and i was shaking. he told me XXXX had a resolution for this problem. he told me i would need to buy {$300.00} worth of XXXX XXXX cards and they would be used to handle the cost of restoring my firewall and no one would be able to hack me again. he assured me the money would be refunded by XXXX within 5 to 7 days. i went to my XXXX XXXX and purchased the cards. he stayed on the line until i returned home and read him the numbers off the XXXX worth of cards. he then told me it would take 12 hrs. to restore all my accounts and to call him the next morning. the next morning i called and he announced that we were halfway there. he then told me i would have to purchase an additional XXXX worth of cards and read him the numbers off the cards. again he waited on the phone while i read off all the numbers. he told me to rest assured that XXXX would be refunding me the money. while i was waiting on hold, pictures of the actual XXXX  operations bldg. were shown i guess so i would feel safe. at this point i questioned him again about the refund and again i was told this was how XXXX took care of hacker problems. in his next breath he told me i would have to get an additional XXXX worth of i tunes cards to continue. i told him i could n't and he got nasty with me. it was then that i thought i may be being scammed. i told him i was going to turn him into the bbb and he laughed. i hund up and immediately called both credit card companies that i had used and told them what had just happened. i was told by the first to rest assured that i was covered and was not liable. not to worry. the second credit card company told me to wait 5 days and they would handle it, again no worries. so i believed i was ok. both credit card companies have since told me there is nothing they can do and that i 'm responsible. i am just sick over this. the other man i talked to was XXXX XXXX, XXXX id # XXXX, XXXX. the next man was XXXX XXXX at ext. XXXX when i tried to call them back i got a recording that the number was no longer in service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was one if those low income students who put my loan in deferment an the interest was so high, after it got out if deferment the balance was higher than it was before the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a bad connection for my account all my family member, I have called XXXX several time and saying they have a problem on the net work will resolved it, also said they have an extension due to a lot of customer using their net work, then I went on vacation while I request them to put all the XXXX lines on my account on seasonal hold but with out success and keep charging the full charge without using their line. and finally I decided to discount the line and I am calming a refund for the three months they charge {$310.00}, {$460.00} and {$320.00} for the months XXXX/XXXX/2014 till XXXX XXXX2014 and when ever I dispute with the collection agencies no response. and I surprise this issue went to my credit report, therefore I totally dispute the issue and request XXXX to refund my money I have n't used their service during the period above and I deport my line and my family lines due to their net work problem. thanks and best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The bank from Victoria Secret card has called me at least 5 times a day. I told them I wo n't have the money and they call around XXXX repeatedly al day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Capitol One claimed to have sent IRS a XXXX for a ten year old debt that I own them, the IRS contacted me saying that I owe them about XXXX and some because Capital One sent them a XXXX saying I owed this amount of money, and kelp the owed amount in the Credit agency even after I paid the amount to IRS. I call to get a copy of this XXXX about three times or more, and never received it. This been going on for about two years now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: TransUnion is in violation of the Fair Credit Reporting Act for their refusal to remove an invalid and illegal tradeline from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states : ( 1 ) '' A person must not engage in the business of making consumer finance loans unless she or he is authorized to do so under this chapter or other statutes and unless the person first obtains a license from the office. '' As validated by the FL Department of Business Regulation, XXXX XXXX  does NOT hold a valid license to offer loan products in Florida. By this statute alone, this alleged debt is invalid. Chapter 516.02 ( 02 ) further states : " A person who is engaged in the business of making loans of money, except as authorized by this chapter or other statutes of this state, may not directly or indirectly charge, contract for, or receive any interest or consideration greater than 18 percent per annum upon the loan. A loan for which a greater rate of interest or charge than is allowed by this chapter has been contracted for or received, wherever made, is not enforceable in this state, and each person who in any manner participates therein in this state is subject to this chapter. '' The alleged XXXX XXXX  account is listed as having an interest rate of 314.24 %, which also renders the tradeline " not enforceable '' under the law, and thereby illegal to be listed as valid debt by TransUnion.

This account is invalid under FL state law. It is being illegally reported by an unlicensed online lender in an attempt to extort payment. TransUnion remains the only CRA that has not removed this tradeline based on it's multiple violations of the law. The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion must remove it or remain in violation of the FCRA.

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 08-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Trouble during payment process

Complaint: I am having problems with my mortgage company, bank is holding my insurance check to get my house fixed. I do understand that it is rules you need to go by. But this bank is giving excuses one right after the other. After giving them all the information they still want approve me getting my from escrow to repair my house.

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 03/25/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan was transferred to Nelnet around XX/XX/2015 ( about {$64000.00} ). I had been happily paying {$550.00} per month ( {$190.00} to principal, {$360.00} to interest ). In XX/XX/2015, Nelnet reduced my automatic payment to {$340.00} ( without asking me ). I assumed they knew what they were doing. Wrong. They used all that payment to pay interest without applying anything to principal! I am now two years behind in lowered principal plus, my loan amount is now up to {$64000.00}! I contacted them last month and they agreed to raise my loan payment. It is now {$570.00}. But, they are only applying {$35.00} to principal and {$540.00} to interest! My rate is supposed to be 6.625 %. Where is all this interest going? At this rate, it will take me 153 years to pay off this loan! ( 153 x 12 = 1836 months which equals {>= $1,000,000} of payments ). Of course, I will be long dead by then. Is n't this malpractice? In my business, I would lose my license for doing something like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I learned about the bankruptcy on my record last year, and since that time I am trying to clear it as I never filed for any bankruptcy. I disputed it several times and I am not agree with results. Please help me to clear it, I never went to court, I never filed for bankruptcy for {$0.00} dollar amount, I had no idea about it. I never got any paperwork from the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I.C. System INC. put a collection of {$610.00} on my credit report from XXXX XXXX XXXX XXXX. I dispute this debt to the fullest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found a XXXX XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX or take my adult son there in XXXX or XXXX or any other time. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Experian and XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have XXXX this place in XXXX and sent letters to any addresses I could find.

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There was a major security breach at Equifax and I 'm concerned as a consumer that my information may have been hacked. I want it documented that my credit will not be effected in anyway as I am in the process of repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I received a letter in mail. It was a pre-approved confirmation certificate- for a pre-approved loan. 
It was our residential address, but the recipient was a different name. 
I searched this name, and he had XXXX criminal records. Two years ago, we had a collection agent called us about the bill we did not have, and it was the same person 's name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with Capio Partners, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Attempting to collect a debt of {$830.00} in XX/XX/XXXX which Ive been having health insurance since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent 2 certified letters to Hunter Warfield asking for " Validation '' of the {$780.00} debt they claim I owe. They did not respond to the first letter I sent in XXXX XXXX. I then followed up with another certified letter on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a letter stating they had sent me verification and had no duty to send me any additional information again. 

I am sending another letter tomorrow, XXXX XXXX XXXX requesting the verification ; however, they are clearly in violation of the Fair Credit Reporting Act. I am asking them to DELETE the account immediately. This is NOT my debt and they can not prove that it is.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with ESCALLATE, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to " just pay my bills ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation