milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and Equifax I have n't been able, as because of my long last name, it 's impossible to correctly fill up their requested fields. I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX, I opened a Citigold checking account with a promotion code I had received XXXX XXXX # XXXX ). The promotion promised an award of XXXX XXXX XXXX XXXX miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I attached a copy of the terms and conditions for the promotion. 

After completing the requirements in late XXXX XXXX XXXX, after waiting over a month for the XXXX points to post, I messaged Citibank via their online chat on XXXX XXXX, XXXX, and received confirmation that I had completed the requirements for the promotion and that I should allow 90 days for the XXXX XXXX points to post to my account ( which would roughly be the beginning of XXXX XXXX XXXX. A copy of this exchange is attached. 

On XXXX XXXX, XXXX, after I had still not received the XXXX points in my account, I spoke to another representative via online chat who I provided with my XXXX number, XXXX, and he opened an inquiry regarding the status of my points ( inquiry # XXXX ). I was informed that I should receive a confirmation email shortly confirming my inquiry. A copy of this exchange is attached. 

On XXXX XXXX, XXXX I sent a secure message to Citi because I had still not received any response to the inquiry, nor had I even received my confirmation email that an inquiry had even been opened. I was informed the following day that my inquiry was actually in the system, though the status was still pending and there was " no estimated time of completion. '' A copy of this response is attached. 

I reached out XXXX final time on XXXX XXXX, XXXX and was told once again that the status of my inquiry was pending and no timeline was available. Again, a copy of this exchange is attached. 

As of the date of this complaint, XXXX XXXX, XXXX my XXXX miles have still not been rewarded, despite them having been promised by XXXX XXXX. I note that the terms and conditions of the offer state that " The XXXX bonus miles will be credited by Citibank to your XXXX account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, which is ninety ( 90 ) calendar days from the date on which the requirements were completed. They have still not shown up in my account by this date, which is now well beyond the 90-day time frame. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / XXXX ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.

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 10-11-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have disputed my name with Equifax on numerous occasions and most recently in XX/XX/XXXX 2015. Equifax is reporting me as XXXX. which I have never been XXXX. nor have I claimed to be XXXX I put in a report with the Consumer Finance Protection Bureau in XXXX 2015 against Equifax for not correcting my name. Equifax reported back to the CFPB that they were correcting this concern which they did but within a couple of weeks they changed it back XXXX. I am being harassed by Equifax because I have called them out on their illegal and unethical practices. At this point they have left me with no other option but to pursue litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have put in a request for a loan modification from Citibank. My original relationship manager always sent status updates on a weekly basis and if I needed to provide additional documents I was notified in writing. I was assigned a new relationship manager ( XXXX XXXX ) and I have tried repeatedly to get information on my account but to no avail When I call the bank to discuss my request I am told I have to speak only to XXXX. Phone meetings have been set up where she is supposed to call me but she never calls. Consequently it has been very difficult to find out the status of my application for a loan modification

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 05/29/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: NELNET Obstruction of Income-Based Repayment Application : In  XXXX   XXXX  after becoming unemployed, I made application for income-based repayment plan for student loans serviced by  both  XXXX  and NELNET in coordination with the DOE income-based repayment application web portal ( See attached ).  XXXX  approved the application but NELNET obstructed the application because it claimed it did not participate with DOE 's electronic process ( See attached ). The electronic application was downloaded from the DOE web portal and mailed to NELNET with supporting documentation. I did not hear back from NELNET for some time and when I contacted   them in  XXXX   XXXX  I was informed that my loans were in default and no longer handled by NELNET. I would need to contact   XXXX   XXXX   for loan rehabilitation. I incurred a {$10000.00} default fee sometime between  XXXX   XXXX  and  XXXX   XXXX  because NELNET obstructed my application. My NELNET rehabilitation started in  XXXX   XXXX . How can the very same income-based repayment plan application properly coordinated through the DOE web portal be accepted by one servicing agency and rejected by another. Something is terribly wrong with this process and should be thoroughly investigated. Request your assistance in removing these default fees and obtaining the same income-based repayment plan approved by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (DC).
Issue: Account opening, closing, or management

Complaint: Charles Schwab will made a hard credit pull on my credit report when signing up for a new bank account. Lots of banks make soft inquiries but nowhere does it say that they will make a hard inquiry.

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 Debt collection (Private student loan debt) with Gatestone & Co. International Inc. (RI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Multiple dates from XX/XX/XXXX2017 - present. 
I had a representative from XXXX call my job up to 5 times a day, which ended up practically harassing my employees. 
When I finally was there to speak, she was asking me personal questions and trying to get me to tell her how much I made at my job. I already explained to her that I work in a store with NO office. I 'm in the middle of a live store on the phone with her while my employees AND customers are next to me. I could not tell her any of this information. I gave her my personal cell number. 
She called multiple times afterwards just that week. She called again about a week ago and I told her the same thing. I got pretty angry with her. 
I believe her name was XXXX? Or something simliar to that. 
Calling someones job should NOT be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Collection agency is n't licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was unable to make payments to Chase for the first 3 months when my loan repayment started. I attempted to pay what I was able for those months. Chase did not accept my payments. Now, they will not give me information about the status of my loan and I do not know how to makes payments. I am now gainfully employed- not sure if Chase sold my loan off or what the status of it is.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to contact Diversified consultants about a collection on my report. I have no knowledge of this collection and it does n't belong to me. I have attempted to write this company and I received no response. I also did some research on Diversified consultants and this company is under information some fraudulent company practices. I want this item removed from my credit report immediately and would like to file a complaint against Diversified consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NM).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I contacted Citicards to check the payoff amount of my credit card. It was at that time that i was made aware that two payments i had made with my debit card had not been credited to my account. The Citicard representative then called Citibank via a 3 way call to verify the transactions. The Citibank representative confirmed that two transactions for {$500.00} each were deducted from my account but not credited to my Citicard account. The Citicard rep stated that there was no history of those payments. The Citibank representative advised me that " this could be easily resolved '' all i had to do was dispute those transactions. So i did that day. I was advised that i would receive a response in 7-10 days. And if it rool longer then i would be provided a provisional credit while citibank further completed rhe investugation. On XX/XX/XXXX i called to check the status of my dispute and i was advised at that time that an error had been made and the previous rep opened my dispute in the wrong department. So my dispute would have to be reopened. I was told again that the funds would be returned to my Citibank account. Today when I called I was told that yet again there was another error. And NOW I WOULD HAVE TO WORK THROUGH CITICARDS REGARDING THIS ERROR. Which made no.sense.since they have no evidence that those transactions went through. I need help getting my money back. They are not following there own policies and i recorded every conversation to validate my claim.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX has gained access to my credit when I nolonger have account with them in fact my account was sold and has a XXXX bal the account was opened in XXXX and they say it was open in XXXX because the debt was re aged this is no legal you do n't need to take my word for it you can just look at the way it was report on XXXX XXXX bal and closed opned in XXXX orinal date it was past do for the first time XXXX this account is out of date and can nolonger be reported Experian is sharing my information with this company who has no right to my credit file

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 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX, I filed a complaint with the XXXX regarding XXXX student loan accounts on my credit report. They stated that there were included in Chapter XXXX bankruptcy on XX/XX/2012 which is clearly incorrect. I never filed Chapter XXXX bankruptcy and on XX/XX/XXXX, I received a response from the XXXX from their XXXX Associate, XXXX XXXX, that he reviewed my credit report and it does in fact show that I do not have a Chapter XXXX bankruptcy on my credit report but yet verified the status of all XXXX accounts stating that they were in fact included in Chapter XXXX bankruptcy. This is a huge red flag and a violation of the Fair Credit Reporting 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 03/23/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (PA).
Issue: Managing the loan or lease

Complaint: In early XX/XX/XXXX, I went to make my car loan payment and noticed that my balance said " XXXX ''. This was not correct and I called Wells Fargo immediately. It was determined that a car dealership had accidently paid off my loan ( when it meant to pay off another loan ) and it would take a week to get the loan reinstated. I said over and over again that I was concerned about two things : accruing any fees and this hurting my credit. I was assured neither of these would happen. 
After about XXXX weeks, my loan was still not reinstated. I called Wells Fargo and they indicated no one from the dealership had returned their phone call. I asked them to please contact the dealership as I wanted to get this issue corrected. I had to continually call over and over again to check on the status. Once the issue was finally corrected ( after about XXXX weeks ), I noticed that I had an additional charge of {$13.00}. I called and inquired about this and the first gentleman I spoke to said " Do n't worry, just make your regular payment and this fee will fall off ''. When I went to make my next month 's payment, the fee was still there. When I called in to inquire, I was told that because my account was " Paid Off '' for a period of time, I had to pay this fee for the accrued interest. 

I was assured over and over again that I would not have to pay any fees and my loan would " return to normal '' once this was fixed. My husband and I did absolutely nothing for this to happen - we were victims of bad luck ( or a bad employee who did n't verify the loan information before they paid it off ). I have spent hours and hours on the phone attempting to resolve this issue. All I am asking for is that the fee of {$13.00} be removed so I can continue to pay my car loan amount that I was paying before this whole mess happened. 

I submitted a complaint through wells fargo 's website and it was handled extremely poorly. I finally received a letter in the mail well over 30 days from the time I submitted it and it mentioned NO WHERE what my actual complaint was. I would like to get this issue corrected and put this whole mess behind. I believe that Wells is dragging their feet on this issue in hopes that I will pay the fee.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Application, originator, mortgage broker

Complaint: I filed bankruptcy in 2009 but reaffirmed my mortgage with Wells Fargo. I have paid on my mortgage as agreed since reaffirming but Wells is not reporting my payment history to the credit bureau. They show the mortgage as a foreclosure with a XXXX balance. I have applied several times to refinance my mortgage but keep getting turned down because my account with Wells shows as a foreclosure and no balance. My current rate is over 6 % and ca n't help believe that Wells is doing this on purpose to prevent me from re-financing my debt to get a lower interest rate. I have contacted them several times but they keep telling me they are not required to report my current payment history to the credit bureau. I wonder what Wells would do if I stopped making payments on my mortgage loan. Do you think they might find a way to report my payment history then?

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 06/25/2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (SC).
Issue: Trouble during payment process

Complaint: Our mortgage was being serviced by XXXX XXXX, they transferred mortgage to Home Point Financial Corporation effective XX/XX/XXXX. I sent my payment electronically through my bank ( XXXX XXXX XXXX ) payable on XX/XX/XXXX. Electronic payment was sent to Home Point and my account was not credited. I contacted Home Point via email and customer service telephone number ( XXXX XXXX XXXX ). I was asked to prove payment. I sent copies of my bank statement showing the payment effective on the date of XX/XX/XXXX. I was told that they do not accept bank statement as proof of payment. i went to my bank and had them fax proof of payment to Home Point. I received an email stating that they received my proof of payment and to allow 24 to 48 hours for my account to update. I waited over 48 hours and checked my account and the payment was still not posted. I contacted customer service again by phone and was told that the check they received was not legible and they sent it back to the bill payment processing center. I spoke to the Payment Processing Center, case number XXXX. I was told, and I have proof, that the money was transferred electronically. I will scan and attach documents from payment processing center and also email sent by Home Point Mortgage to me. They continue to deny that they received payment for our XXXX payment and now are demanding double payment for XXXX. Please advise as to how I should respond to this. Do I double pay in XXXX and wait for a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'm a co-signer on my son 's student loan through Navient/XXXX. I 've been paying for years on the loan and the balance does n't seem to move. Also, when I talk to representatives, they seem confused and give me conflicting answers to my questions. Recently they just raised my interest rate to almost 10 % without notice. When I called for them to explain the reason for raising the interest rate, there answer was because of government regulations. It says on there website that interest rates can only be raised because of your credit score. My credit score is excellent and I do n't understand their reasoning. I am disgusted dealing with Navient and never seam to get an honest answer. When I asked if there is someone I can talk to in person, there reply was there is n't anyone in the company that I can talk to or physically go to.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX XXXX I applied for a payday loan from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX now called Big Picture Loan. My loan amount was XXXX. I expected to pay a finance fee and maybe an initiation fee however after 3 payments of XXXX all deducted from my XXXX checking account I called to payoff my loan. I was informed to payoff my account on XXXX/XXXX/16 I would need to pay XXXX??? On a XXXX loan? The interest on this loan appears to be 200 %. That can not be legal on the United States. I asked the representative where she was and she stated the XXXX. Any assistance with this matter would be greatly appreciated. I only borrowed XXXX

Company response to consumer: Closed with explanation