milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit card () with CITIBANK, N.A. (OK).
Issue: Other fee

Complaint: I hold a Citibank Access More Card, and I have been an inactive customer, not having used my card for several months. Due to family medical reasons, I relocated to XXXX permanently from the US in XX/XX/2016. Approximately in XX/XX/XXXX/XX/XX/2016, I logged in online to close my Access More credit card account since I was no longer in the country. I noticed that Citibank Access More Card had assessed me an annual fee in XXXX. I called the bank and requested them to cancel the card, which they did. I have recently checked my Citibank credit card accounts again, and to my horror, have noticed that Access More card is reporting me as being delinquent on my credit card account ( 72 days delinquent ), because of annual fee not being paid!! When I called in, a customer care representative explained that because I had not asked for the card to be canceled within 30 days after the XXXX was assessed, they could not undo the " full '' XXXX before canceling the card, and hence a partial amount remained on the card, and my account went into delinquency!! This aspect / possibility was not at all explained to me when I had called into cancel my card. To my knowledge, the card had closed successfully. Citibank says that it sent notices to my brother 's mailing address which i had provided as a US address for the purpose of financial statements. However, to my knowledge I had closed the card properly, and the last thing I expect is delinquency notices from an account that I believed I closed properly. To add insult to injury, as I was trying to fix this issue, the customer representative offered to put me through to Collections department. It is utterly irresponsible, and exploitative, and predatory, on the part of Citibank to assess Annual fees on inactive accounts, and based on a technicality, to push an inactive account into delinquency!! Such practices should be banned, and employees who dream up such " Gotcha '' moves should be sent to jail for the anguish they cause customers. I request CFPB to order Citibank to restore me to " current '' status, and close out my account properly, without any delinquency flags which will impact my credit record adversely. Thank you.

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 11/21/2015 about Student loan (Non-federal student loan) with Student Loan Finance Corporation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was XXXX years old, right out of high school, I wanted to be XXXX and decided to try the XXXX field. Texas XXXX XXXX was about half a mile away, I went in to check it out. They sold me the world, told me how much money I could make if I signed up, they said I would travel the world and could make salaries from XXXX p/y. I was very confident, they failed to mention that average XXXX make XXXX $ XXXX $ p/h first few years. With XXXX in possible debt, they should have mentioned that. I 've struggled ever since, was the worst decision I ever made. Now I owe the student loan finance cooperation around XXXX in debt and its growing I 'm sure. I refuse to pay because I ca n't use the college credits I achieved in any other college, not even XXXX colleges accept them now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with JPMORGAN CHASE & CO. (AE).
Issue: Billing disputes

Complaint: 1. I rent a car in XXXX and pay rental by Chase Credit Card 2. Rental car company uses my Chase Credit Card to charge additional fraudulent {$250.00} 3. I dispute fraudulent {$250.00} with Chase. 
4. Chase deny my dispute and re-instate fraudulent {$250.00} charge

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (ND).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been contacted by Rausch, Sterm, Israel, Enerson & Hornik LLC ; a law office out of XXXX, Minnesota in regards to a debt that I apparently owe to XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX, XXXX. I have received a letter stating that I owed the amount of {$590.00}, and if I have any questions to contact them regarding a resolution dated XXXX XXXX, 2017. On XXXX XXXX, 2017 I was contacted at my home by an unnamed individual whom served me papers from the State of North Dakota -- XXXX XXXX Judicial District stating that I have been summoned and required to appear and defend this action, within twenty-one ( 21 ) days. This notice was dated XXXX XXXX, 2017.  Therefore, it is apparent that the judgement with the court was submitted before the notice to contact them was even drafted and sent out. As well as, there was no previous contact noted from XXXX XXXX or XXXX XXXX XXXX regarding the supposed debt. Therefore, I have had no notice that I had the debt against me. If I would have had proper notice I would have gladly setup a payment plan, or even paid the balance in full. However, now I am looking to seek legal consultation regarding this matter. There has not been proper notification regarding this debt and now they are using legal tactics that are threatening or otherwise demanding. I have tried to contact the law office and the original company multiple times, and I have reached no one due to the lack of information on websites and the sites that you must go through in order to even reach a site that states how to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern this letter is in reference to the negative items in my credit report by phh mortgage the servicor of my mortgage at XXXX co XXXX. 
They claim that I was late on my mortgage payments on XX/XX/XXXX and XX/XX/XXXX. They took over servicing of my loan from XXXX. XXXX had a streamlined process where i had an online system and direct withdrawal to pay my mortgage. When PHH took over they had no online system and automatic withdrawal despite my numerous requests. They also are located on the east coast and mailing to them was always sketchy and theyre processing was very slow. I often times would not receive my mortgage notice until very late. I had no intentions of being late or delinquent with payments but PHH processes made it very hard. I have been working out of state which also contributed to these problems when youre on the road working to keep money coming in to pay these debts it definitely helps to have a quality servicor. I mailed my payments in before i left home but they obviously were not received on time probably due to their slow processing times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Consumer Financial Protection Bureau cc XXXX Experian Credit report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Phone : XXXX XXXXXXXXXXXX Re : XXXX XXXX XXXX Installment Accounts none reporting via Experian as of the date of this letter. 
XXXX XXXX XXXX Installation Accounts XXXX and XXXX XXXX XXXX, 2016. 

I have tried on several attempts via the lender, XXXX XXXX and finally with XXXX on XXXX XXXX, 2016 in addition to a follow up call with Experian direct ( I spoke with customer care dispute representative XXXX ) on the date of this letter@XXXX ; however with no success. As the representative advised that the dispute was not showing as pending/received. Notwithstanding he advised that I dispute the issue with the lender again, which I have done on several occasions without any successful update of said Experian. 

Please assist. 

Thank you.. 

Sincerely,

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 01/15/2016 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: I cancelled the card because I was getting unauthorized Charges, I called Netspend and asked for a new card, I got the card and called to activate, I was told that I had negative {$1.00} and was told that I had not used the card in 180 days ... .Got a new card XXXX I called XXXX/XXXX/XXXX to activate and was told that I have a negative {$45.00} this time from XXXX XXXX, who I have no clue to why I would have a charge. If I have not used the card in 180 days and the card is not activated, how can someone charge to the card, I called and asked for a Supervisor 2 times and each time I was left on hold for 25 to 40 minutes I was also told that the XXXX charge is from 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 08-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NV).
Issue: Account opening, closing, or management

Complaint: Paypal has closed my account down & permanently limited it when they should n't have/mistakenly did. They even have a lawsuit against them ( class action ) for shutting down accounts and limiting them for incorrect reasons plus inappropriately handling disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: It is  2017    and I have repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

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 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX XXXX I helped my niece, XXXX XXXX, open an account at XXXX. After more than 15 years doing business in good faith with XXXX XXXX, in the year XXXX, the lender decided to write off the amount of {$1800.00} that she owed and hang it on my records at Experian. That person is not dead. She owns a home XXXX and is my understanding that, at this time, XXXX. 
Do I have to accept, as a cosigner that I was in XXXX, a write off debt in my records, if that person is still alive and well, owns a home, have bank account and can be easily reached by the lender? What do I have to do to get that debt, that is no mine, out of my records? 
I demand from Experian, to take that bad deb information off from my records and be aware that the debtor is XXXX XXXX, not me. I did no spend no even XXXX from that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Late fee

Complaint: My XXXX credit card was closed on XXXX XXXX before I could pay the full balance due on XXXX XXXX. Its website states " The balance on your XXXX XXXX XXXX XXXX XXXX has been transferred to your new card account with Citibank. Citibank will communicate with you regarding your balance ( s ). You will not be required to pay your balance in full to XXXX XXXX as a result of the transfer of your card account to Citibank. XXXX However, Citi charged me an interest on XXXX XXXX, when I received the first bill. This is the FIRST time citi communicated with me regarding the remaining balance transferred from XXXX. I was never late on any payments, and this happened simply because of the transition, so Citi should grant a grace period and waive the interest change which they refused to do.

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 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: First, I was never told I was signing up for a private loan. All I did was fill out my fsfa form, and the dispertments came out. At no time was I notified that I was into a private loan, by the school nor navient ( XXXX XXXX ). Second, when I call them to work out a payment plan, which I only make XXXX a year, I am being asked to pay almost XXXX a month, which is crippling my ability to be a single dad, and provider. All I get is threats, and I try to explain that I dont bring in enough to pay the bill. they have even suggested myself get a second job to take care of student loans. This place is a grotesque place, and to the point of harassment. Ho w can I try to raise my son, and pay rent, and misc expenses with this company sucking the life out of me. They act like that they are doing me a favor, however others, through other companies, make about the same and pay way less, for private loans. I never choose to go to Navient, or XXXX XXXX, or even get to select the loan, I feel like this is the biggest scam ever. All I want is help. So please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/2015 I desperately requested for CFPB to please listen to my complaint and give me a resolution.. I am now again desperate and frustrated and after providing six or seven financial packages, I am now desperate. 
I now do not qualify for I can no longer use my wife as a contributor. We are legally married. However she is not on the mortgage or the deed. My wife has always contributed. We purchase this home together for our children. 
I began to default on our mortgage when she was injured and was not able to work. I lost her income then an now again for Chase FHA guidelines no longer accepts a contributor on the loan. She i s my legal wife. She i s now on social security XXXX .. This is my primary residence.. I want to preserve my home. I want to make payments. 
Chase has taken their time in providing a resolution and I am now incurring a larger balance besides the fact that my home does not appraise. .I also had to hire an attorney to expedite the process. 
I have appeal various times this loan. What else could I have done to maintain my home. 
My wife now has social security income and I work full time. Please I want Chase to provide me a work out plan that i s affordable..

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I am contacting you at the XXXX time in order to clarify and get your assistance or support with the issue or bad debt situation with car loan. here what had happened : As any customer I had a dream to buy and own a car, so my selection was XXXX, I contacted XXXX of XXXX, MD. It was very hard to find the car that I wanted, I could n't find it at my XXXX location, I wanted red and was offered Green with White Roof, it was proposal from XXXX of XXXX to participate in their show of XXXX process to immigrants in the XXXX. I rejected the offer. The guy who served me was very impatient XXXX XXXX, who raised his voice on employees and later on I found out his employment was terminated, I get with another manager at this location later. The offered interest was too high 12 % to prevent me to buy red car and sell me green car. I continued my search and found a car in the XXXX location. It meets almost all my requirements, no leather seats. 
The offered interest on loan with XXXX 18 %, I agreed because I have a sponsor who prefer to ananomous, told me take it otherwise you 'll be unable to find it with leather. I greed to the terms and conditions. Later I got letter, Thank you for financing and so on. I lost that letter when I moved out. In some time letter I got Title. Please see attachment. There no lien holder ... I trust my friend 100 %. 
Later on started my XXXX that I do n't pay the bill and collection letter in my door and damages to my car. I assume if dealer want to return the car back why they will damage it?! Proof of Evidence : ( Right Rare Tire Hole ), Engine, Left Side Bumper Scratch, I got thru all holes on the road with car noise like breaking it down, Gas tank, I could n't fill in gas my electronics were jumping UP and Down with gas level, My REAR Sensor were alarming when there were no object behind with reverse. My snow sign was blinking and alarming when there is no snow ... I am safe driver I scratched Rear Right White Rim DUring parking, My electronics was going crazy, I complaint about it to the XXXX, they offere me Diagnostics which I could n't get because my car was stolen from Private Property Parking with Request to show the check ( payment ) which I do n't have, because my friend paid for the CAR in order to provide me with assistance of supporting to find the job and live independently. I mailed Title to Texas, where it was sent from. For now I do n't have news. I just want my car back and truth if it is possible what happened with money, how money could be stolen from bank, it takes time to verify and clear checks or payments, I did n't get thank you note the next day in a month and title as well, it means money were there .... then disappeared. The car was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Installment loan) with AES/PHEAA (FL).
Issue: Managing the loan or lease

Complaint: I took out a loan for the amount of {$25000.00} back in XXXX/XXXX/XXXX for a boarding school for my stepson through a school in XXXX georgia call : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. 
The company holding the note is called " aes '' American Education Services XXXX XXXX XXXX, PA XXXX XXXX. The original note was to be paid off 10 yrs. Since then its been a moving target and seem never to get paid off. After 10 yrs of this loan and paying over the minimum the last few yrs. I received a statement stating XXXX/XXXX/XXXX that I paid {$11000.00} in interest and {$11000.00} in principal.For a couple of years I thought the over payments was going towards principal to come to find out it was n't and they requested something in writing. So I did send it and to this date they are still not applying over payments to the principal.This loan although low interest rate it seem to change and adjust every year, My last statement is now telling me my new repay amount is {$17000.00} taking an addition 104 months with a payment of {$160.00} per month. Please help me with clarification, there has to be something wrong with their practices of loaning money and I need some guidance to help me from this scam. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Trouble during payment process

Complaint: I HAVE BEEN PAYING GMAC WHO CHANGED TO OCWEN MORTGAGE. I ORIGINALLY SIGNED UP FOR A XXXX YEAR XXXX MORTGAGE AT XXXX A MONTH AND NOW MY XXXX  YEARS ARE UP. THEY ARE TELLING ME I HAVE TO PAY XXXX BY XXXX XXXX. I HAVE OAID OVER XXXX IN XXXX YEARS AND MY ORIGINAL LOAN AMOUNT WAS AROUND XXXX. I DO BELIEVE I AM A VICTIM OF PREDATORY LENDING AND IN JEOPARDY OF LOOSING MY HOME. PLEASE HELP ME KEEP FROM LOOSING MY HOME AS IT SEEMS I AM ANOTHER VICTIM OF BAD LENDING PRACTICES. PLEASE CALL ME XXXX XXXX XXXX OR CALL MY DAUGHTER XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (IL).
Issue: Problem when making payments

Complaint: My bank account is still getting payments deducted from it and the person that took out the loan is no longer my spouse. Avant said they ca n't do anything about it.

Company response to consumer: Closed with explanation