milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Bought a {$500.00} US Bank Visa Pre Paid Gift Card from XXXX XXXX XXXX was handed an activation receipt at time of purchase. Called into Card Member Services XXXX to change pin immediately after and was sent to Customer Care agent who told me that the funds were there but the card had not been fully activated even though I had a receipt showing otherwise. Followed their instructions to fax required info to Card Activation department at XXXX. Called back next business day to confirm receipt of fax and information and was told by agent it would be at least XXXX business days before someone worked the issue. Called in again the next business day anyways just to see if the card had been activated and the card balance now showed {$1.00} so I pressed XXXX to speak to agent. Agent advised now there was a charge of {$490.00} on the card which was done at some XXXX somewhere using the card number and pin, which I clearly did n't make. Followed their process now to contact Fraud at XXXX. Faxed in information to XXXX and called to speak to representative in Fraud. Was told I needed to file police report and wait for them to mail affidavit before my case could be reviewed and to expect 3 to 4 months to get my stolen funds back. Asked to speak to manager and was told by agent nobody was available and they were outsourced by US Bank and they could provide me no further help or points of escalation on this issue and I simply needed to follow the process and wait. Found many other issues like this on-line with simple search. Clearly a larger fraud issue and I should n't have to go through this crazy process as a consumer to get my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: I applied for a refi in XXXX XXXX. Freedom Mortgage has been completely unorganized. They continually are switching my account to different employees ... Losing my documents.. Requesting and re-requesting documents. They have lost information. It has now come down to where they wo n't honor my locked in interest rate and want to charge me additional fees. Freedom has caused the delay, with hiring and firing and losing documents. 
No one is on the same page. It has been 6 months. One person will tell me that the Quick Claim Deed does not prove that I am not financially responsible for another home in my name.. While another will tell me different. I am completely frustrated and feel like they are pushing me around because the rate has changed and want to charge me more fees. I have all emails since XXXX XXXX and all documents that I have provided up til now XXXX XXXX. Is there something that can be done? If I drop the refi.. They will bill me for appraisal and I will lose out on rate???

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 08-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage with Bank of America a few years ago. They forced me to enroll in auto payments, which prevented the ability to add an extra amount to my payment to pay off my mortgage. Their online system does not allow you to make inter-month additional payments to either principal or my escrow account. I think BofA intentionally makes it difficult to pay off your mortgage. I 've pursued my complaint with them directly and I am told I can either schedule an additional payment ( I ca n't afford to make 2 payments in a month and add {$100.00} ) or mail a check for the additional principal I want to pay down. It is not convenient. I do n't understand why I ca n't make an additional payment whenever I want for whatever amount I want when I have additional money available with the intent of paying my mortgage off earlier.

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 12-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: This complaint involves a prepaid credit card issued via a Citi Visa card by XXXX XXXX in lieu of a refund for a credit balance.Instead of just sending me a refund of {$110.00} on a discontinued account they sent me a prepaid credit card which I never asked for.I did use the card and then destroyed it.I called up XXXX XXXX in an effort to cancel the card and stop receiving account statements.They were of no help and gave me a Citi number.However they informed me that they issued a second credit card for an additional credit that was owed me.They could not give me that card account number and I never received the second card.All of this aggravation could have been avoided if like any other normal business they just sent me a refund check.This is a scam as they are hoping you do n't use the card or do n't use it for the full amount and thereby relieved them of the obligation to pay a full refund.So now I have two credit card accounts that I never asked for that were set up without my authorization and the second card was never recieved.In terms of dates I terminated the XXXX XXXX around XXXX of 2017.I recieved the first card perhaps in XXXX of 2017.I could not resolve this with Citi as I do not have the account number since I destroyed the card and their IVR will not put you through to a live person without an account number.

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 02/28/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MS).
Issue: Account opening, closing, or management

Complaint: I was a very happy member of Navy Federal Credit Union with 3 open accounts ; an " EveryDay '' Checking account, a " Share '' Savings account, and a vehicle loan account. I was laid off from my job, moved and attempted to contact NFCU to apply for a hardship for my account in order to not loss my truck and/or my accounts with NFCU. I made payments on my vehicle loan as often as I was able, if I had an extra {$100.00} then I would immediately transfer {$100.00} to the loan account. Suddenly, and without any notice from NFCU my account was suddenly locked and I was unable to make any payments to my loan account or attempt to add funds to my checking account. After attempting to contact NFCU, without success, my account turned over to a collection agency that harassed me with threating phone calls. Each time I was yelled at by the Collection Agency I attempted to ask for a contact person representing NFCU in order to settle the matter with NFCU directly. My vehicle loan account was still open, and I was still making payments to that account the entire time I was dealing with the collection agency. I am now trying to get my checking account back in good standing and they continue to dodge every call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I needed help paying my student loans so called XXXX to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: items continue to be inaccurate, have not received any proof of an investigation after continually requesting how items were verified as being correct. accounts are violation the laws of my bankruptcy and they refuse to delete or fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Credit card) with Army and Air Force Exchange Service (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I took out a star card through the military, I was told that everything must be paid before you can clear post, including your star card. I have since been out of the military and no longer have access to banking records to show payment. Also a fellow soldier in my unit has been committed for credit theft, he has since XXXX. He stole a bunch of cards and went missing ( XXXX ). Im not positive but he may have stolen my card as I believed I had it paid in full and was allowed to clear the post.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Original Creditor " XXXX '' sold this debt to Diversified Consultants they also wrote off this debt on their taxes which wrote off obligation to pay. Disputing this item being the contract was cancelled. I have no contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: I reported XXXX XXXX for XXXX but wanted to change the charge or the full XXXX XXXX. I have attempted to contact Citi but I can never and I mean never get ahold of them. They even went as far as to block me from writing to them on account portal. I want justice and to provide any docs that are needed for my behalf. I do not understand why I can get ahold of any of my other banks but it is a nightmare to get a hold of them. I was even on the phone for another hour on hold to get to the dispute team. Customer service always says to just wait or call again. This does not solve anything and I am a client and demand to talk to someone who can help. Citi is build very XXXX. They do not answer their emails, they do not call me back on my requests for call back. How do they expect me to get them the information they require when they do not respond to me?

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 04/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing credit items with Equifax & XXXX for over a year now every month or so! I have never had a Mortgage with XXXX XXXX XXXX and there is no documentation proving this! I have asked numerous times to have this removed online and in writing! These credit reporting company 's have refused to provide the proof, there system is automated to send reply 's in there favor if information can not be provided. 
I had a Mortgage with XXXX XXXX loans!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiries not authorized being reported on my credit report XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX Bank, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Second attempt : as per my phone call to Citi on XXXX/XXXX/16 previous document submission was not able to be read so attached is a second copy. I will be filing complaint to the consumer finance department and XXXX for Citis lack of communication and ability to resolve issue in a timely manner. This dispute has been ongoing for months and Citi has not effectively communicated with us and despite numerous phone call and hours of being on hold. 

As per original dispute : transaction on XXXX, 2016 the original engine core Charge of {$500.00} invoice of transaction and bill with charge are attached to the original transaction pdf file. 

On XXXX XXXX Engine was exchanged {$0.00} invoice attached. On XXXX XXXX Core engine was returned and refund of {$500.00} from original engine purchase date of XXXX XXXX, 2016 should have been refunded instead my Citi Card was charged additional {$500.00}. 

I would like this situation resolved as soon as possible vendor already stated this transaction should have been a refund not a charge and Citi has not worked with me in resolving this has has provided the worse customer service ever!

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 02/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. 
I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX 2014 I was the victim of credit card fraud XXXX. XXXX my cards were impacted by this fraud, which was reported to the XXXX Police with the assistance XXXX. XXXX of my credit card companies accepted the fraud complaint ( XXXX XXXX ) and the other denied the fraud claim, and is now essentially engaged in loan-sharking, since it paid the merchant guilty of fraud, and is now coming after me for the fraudulent bill. This company is Barclays, which issues the XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed XXXX accounts on my credit reports twice and Equifax has stated that they have verified the account with the vendors and it came back as verified. I personally called the vendor today and was told the company that they do not service student loans and are n't reporting any information to any credit bureau. Equifax has told me twice on XXXX separate occasions that they have verified the information on my credit report which is a lie. The companies in question are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I started working for the federal government in XXXX 2011, I called Navient about what I need to do to meet public service loan forgiveness. The customer service rep told me I had to make 120 payments on time without missing one. I 'm into my 6 th year with the XXXX  and recently found out that I need to submit a public service loan forgiveness application ; my agency filled part of it out to confirm my inservice time and employment. Upon checking on the status of my application I was told my loan payments need to be income driven repayment, Ive been in the graduate payment program, paying more towards my loans therefore my payments dont qualify. Navient never told me that I needed to be in the income repayment program and now I feel like I 've lost 6 years of public service towards my loans. Im very angry and loan forgivness motivated me to move and join the XXXX. Im very upset and I need someone to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan was transferred to XXXX. During the time my loan was with XXXX, they made no real attempt or good faith effort in trying to help me make continue where I left off with XXXX. I paid XXXX over {$7000.00} ( PITI ) during the trial period. I even made two ( 2 ) additional payments because the trial was three ( 3 ) months as I made a total of five ( 5 ) payments. 
I sent the requested documents for a modification to XXXX several times as the representatives would say they did not get them, which I do n't understand because they were uploaded on the website. Once they finally offered a modification it was an interest only mortgage which I did not think was fair or reasonable. All I wanted was to keep the plan I previously had, approved through the XXXX program and then approved by XXXX of {$1400.00} ( PITI ). I mailed a payment of {$1400.00} and waited for someone to post my payment and it never got posted. I called XXXX and spoke with a representative and he claimed they did not get my payment, even though I mailed it to the address provided by them. 
Shortly after that, the mortgage was then assigned to Specialized Loan Servicing ( SLS ), without any notification from XXXX. I received a packet from SLS asking me to tell them what my balance was. I thought this to be very strange. I started to get really suspicious and began to review all my documents and letters from XXXX. In my discovery I found dates that did not make sense and I also discovered other things to be discussed with a CFPB representative and uploaded. SLS has now violated the rules issued by CFPB of " No Surprises '', SLS did not send me one bank statement and I did not hear from them for an entire year. When I was doing my research, coupled with the fact the XXXX was still filing motions in the Court further increasing my suspicion on this whole situation of " who has interest '' in the note. XXXX was filing motions and foreclosure when supposedly SLS owned the loan at the time ; this was very upsetting and confusing. Now, for the additional violations of SLS they, out of nowhere filed a motion joining the 2015 filings of XXXX, trying to make the process of foreclosure faster, all without any notification to me and without the offering of assistance. Who is this organization? Now, there is a class action lawsuit against. I have uploaded the documents files by SLS and the assignment. Please keep these documents.

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