milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On  XXXX   XXXX , I calle d Citibank to  inquiry about an adjustment to my interest rate on my account. I first spoke to a representative who transferred me to an agent in Florida for further assistance. The Florida agent listened and placed me on hold for period of time while she researched my account and reviewed available options. She advised me that I had a current offer for a new purchases and she had to work with a manager to have that removed before anything could be applied to my account. The associate told me she would look into my account once the current offer was removed, and would call me back on  XXXX   XXXX , to discuss what could be done.   On  XXXX   XXXX , I received a call from the Florida call center, (  XXXX  )  XXXX , on my cell phone at  XXXX   XXXX  EST. During the call, the agent apologized for not calling me on the  XXXX  as we discussed due to her son being ill. During th e 5 m inute call the agent told me she was able to get a 0 % applied to all EXISITING and new purchases for 12 months on my account. I questioned her, and the agent informed me that yes, this will be on all new and existing balances and she stated that this will really help you make a large dent on this balance. I was read a disclosure during the call that informed me that I would have a 0 % rate on my account for all new and EXISTING purchases for 12 months and that I would receive a letter outlining the terms of the offer ( which I never received ). I agreed to the terms that were read because she read the terms that stated the 0 % would be applied to m y EXISTING b alances for 12 months. I also questioned the agent about the finance charges, and she also told me that she was able to get 2 months of finance charges credited back to my account for a total of {$1000.00}. I thanked the agent for all of her efforts and the call ended. Upon receipt of my newest statement on  XXXX   XXXX , the interest rate was not reduced as I was advised. The 2 months of finance charges were applied, however, my current rate on my account is the current of 23.99 %, which is not what was discussed, and not what the disclosure had stated. I feel this is a violation of Regulation Z, informed use of credit, and is another instance of false and misleading tactics fr om Citibank on a long history of lies, misleading information, and deceptive tactics. The agent advised the call was being recorded, and I feel Citibank  should be required to honor the terms of the disclosure that was read and discussed on the call.

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 02/24/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX issues. The most important is at the top. The other XXXX are smaller. 

Discover Student Loans has begun taking double payments from each money, starting in XXXX. I thought it was just some random issue with auto-debit but when I called to fix it, they claimed there was no issue. I 've attached part of a bank statement showing XXXX payments from Discover. I 've also attached the payment history from Discover 's webpage. As you can see, it is kind of a mess. But if you look at individual loans, you 'll see that each loan has actually had XXXX payments applied to it within a short period of time and then XXXX payment reversed. I did not make any manual payments, all happened automatically. The same thing happened at the beginning of XXXX. As you can also see, my bank account balance was sufficient for the payments made, and there is no reason a payment would be returned. Nor was any payment returned to my bank account. Obviously if they claim double payments were not made, they are probably not crediting those payments correctly. 

Additionally, I have XXXX smaller charged off loans with Discover. I have been making payments according to the payment arrangement we made. When I called to talk about the above issue, they claimed that the payments would need to increase despite our agreement and implied they did not intend to continue following the agreement. Regadless of whether a charged-off loan is due immediately, a subsequent agreement to accept a payment plan should be binding. 

Third issue, which may be more of a clarification, but I believe my loan payments jumped considerably around when Discover purchased these loans from XXXX. I have requested my Promissory note to see what the original terms were, but I do know that I was not always under such a large monthly payment, and the large jump in payments is much of the reason why the smaller loans ended up charged off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

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 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Please reference complaint # XXXX. 
I made a deposit into my account, ending in # XXXX, at Chase Bank on XXXX/XXXX/XXXX in the amount of {$150.00}. This was the exact amount required to be able to close my account. After speaking with a Chase representative and making this deposit, I again ordered that my account be permanently closed, with no further transactions of any kind. 

I received a notice from Chase dated XXXX/XXXX/XXXX advising that XXXX had been paid {$30.00}. This is yet another payment by Chase from an account that I ordered closed three times. They also paid XXXX knowing there were insufficient funds in this ac- count. 

On XXXX/XXXX/XXXX I received a letter from Chase executive office acknowledging the receipt of my previous complaint. Chase advised a detailed research was being con- ducted. I received yet another letter from Chase dated XXXX/XXXX/XXXX advising that my alleged unpaid balance would be charged off and reported to XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX I received yet another letter from Chase advising that a deposit of {$160.00} was required in order for my account to be closed.

Chase was paid any outstanding amounts and were advised to close this account on three seperate occasions. Yet they continue to pay from this account, without my consent, so that they can charge overdraft charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX    -   XXXX   XXXX   XXXX   XXXX   -   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This letter is to reveal the horrible service that I have received from your office. I paid off my account and was promised a Judgement of satisfaction letter. To date I have received nothing from your office but lies and deception. Just today alone I called and was given the run around and was transferred to over XXXX employees and still no solution to the issue. 

I am being held hostage even after I paid off my balance in full. I have not received my paid off letter nor a satisfaction of judgement letter even though I was promised. 

Today alone I have spoken to the following employees:1. XXXX and her manager2. XXXX ( in Customer service ) 3. XXXX in litigation4. XXXX XXXX using ID # XXXX. XXXX XXXX ( Litigation ) 6. XXXX XXXX ( litigations )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NM).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX while, in Attendance at College in XXXX, New Mexico that is, As, a XXXX.. Chase Bank and the Social Security Payment Center in XXXX could not. agree upon a Finalized Date for my XXXX Pay. This Date Signified of XX/XX/XXXX was already Extended ( 90 ) Days on ( 90 ) Days that, Extended for another ( 90 ) Days. I did not. Receive my Monies to Return to College the Next Semester in New Mexico as, there was Cause for Force in Living in XXXX where as, Chase Bank and XXXX XXXX Apartments frauded me of $ XXXX- {$4000.00} Dollars then, {$10000.00} Addtional Dollars in Public Collections as well as, {$1400.00} in Collections with XXXX . 

Accounts with Chase Bank were Left Open in Suspicious Fraud and Identity Theft after, Numerous Requests for ( 2 ) years to Close " All Accounts '' ( XX/XX/XXXX,XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, my credit was pulled by my credit union and I was advised that there were negative collection items reporting on my credit file. When I looked over the report, I noticed a few medical bills and a bill from a XXXX XXXX. I do not owe any medical bills and I do not have any pets. So I contacted XXXX, XXXX, and Equifax on XXXX XXXX by letter and advised all 3 credit bureaus that they were reporting inaccurate information on my credit report and in turn, this information was harming my ability to obtain the credit I desired. XXXX and XXXX investigation results proved that these items did not belong to me and removed them from my credit file. Equifax, however, came back indicating that they had performed an investigation and determined that these items were valid and did not delete them. I resubmitted a dispute providing Equifax with the results from XXXX and XXXX and requested they provide me with copies of their investigation results that verify that these items belong to me and they have since stop communicating. I have provided proof from all of my efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient, also known as XXXX XXXX, has repeatedly been unhelpful and predatory against me. In this instance, I only have XXXX XXXX XXXX XXXX with them ( ~ {$5600.00} or so ) and am in a tough financial situation and can not afford to make payments at this time. I am a stay at home mom and DO NOT HAVE AN INCOME. I was making payments around {$90.00} up until a few months ago ( despite not having a job ) but can not afford this any longer. I called them, spoke to the " XXXX '', explained my situation and they DECLINED to help me in any way. I asked if they can lower the payment - their answer was continually " NO '' because they claim it is " under {$100.00} ''. I then asked if they can lower the interest rate ( which is beyond ridiculous at 15.725 % ) and they also said " No ''. Last, they can not grant me forbearance because I have used it in the past. Well, I 've exhausted my options and can not pay. Now they continue to call me, bombard me with emails and I am ready to file a lawsuit if they do n't stop harassing me. This should be illegal and they need to either help students or eliminate this sort of shady business because this is not what education is about. Please have them stop harrassinf me and put this loan into forgiveness because I was defrauded by my school XXXX XXXX XXXX XXXX XXXX XXXX. I am also in contact with the XXXX of Illinois and the XXXX Attorney XXXX regarding these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing refused to apply additional fund to the principal balance despite their website clearly indicating they will automatically apply such funds. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Nelnet is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Nelnet continues to report this erroneous information on my credit report. I have attempted to speak with a Nelnet representative about this mistake and they are rude each time I call and refuse to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with  XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX .     My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve wit h Early Warning Services ,   XXXX   XXXX  , and no luck.      XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: hello, my business, personal and credit card account was closed by citi bank, they gave me a 30 days notice to close all my accounts on XX/XX/XXXX. the only explanation on the notice of cancellation of accounts was '' due to recent activity in your account we have decided to close your account '' i have called the ph no listed on the letter of closure of my account for any specifics or detailed explanation, person who answers, says that i should contact my branch manager to further investigate why the bank closed my accounts. my bank manager tried numerous times by calling their internal financial unit and wrote emails to get any explaination of the reasons of closing my accounts. but no answers so far. now my XXXX card and XXXX XXXX have also sent the similar notification of cancelling my accounts, i dont know why is all this happening and would like any help i can get to get some answers from citi bank to why they have taken such drastic action. i had been banking with them for over 9 years. 

pls let me know how you can help.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: For the past XXXX Months XXXX XXXX has sent Transunion the information for this credit card and Transunion is not adding it and every time i call them they say they do not see it. It was on my credit and they accidentally removed it and will not put it back on. XXXX XXXX has sent them official documents for it with no luck.

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 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: on XX/XX/XXXX I received my XXXX credit card statement on my computer, I live in XXXX  Calif and there was a charge on it for XXXX made in XXXX Calif.. I called my police department thinking that when I got gas the pump was rigged .. Tehn I looked at my staement and this charge was made 4 days before my gas charge.. So I called XXXX to complain about this charge.. My husbanmd was the main card holder on this account and he passed in XX/XX/XXXX.. They said since I was n't they main card holder I could n't handle this and I would n't be responsible for this charge.. I said I want this cleared up.. My husband and I do hold community property they could attach and besides we always paid our bills.. We were married for XXXX yrs..I made 5 phone calls in total to the bank..Was told to talk to the fraud department. Another phone call was told to talk to the probate department. Talking to them I found out my bill had been turned over to collections on XX/XX/XXXX.. All this time I am making phone calls getting no where... I called XXXX XXXX XXXX XXXX. At that time I was told they had no info on the file except for talking to me now..So they were going to return the file to Synchrony Bank.. I should wait 3 months before I call the bank. Well I did n't wait and in frustration I paid them the charge.. I feel totally ripped off and very angry that they did nothing. My husbands name was XXXX XXXX XXXX

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 05-11-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: Ebay incorrectly thought there was " unauthorized use of " my '' account '' They wanted me to change all private information. They said they were going to remove all listing ( attached ) .some items were already sold and paid for. I called and told them there was not a problem. do not delist items. The next day I relisted items. They delisted those new items as well. The end result was that Ebay asked payPa for Money Matching the items sold. Paypal Gave them the money. They said they had to and neither company wants to refund money.l

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fleet Financial, Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l wouldn't accept it at all and they insisted me that it was definitely be a soft inquiry and won't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX   XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX One hard inquiry on XXXX ; 1- XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Medical) with S&S Physician Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.

Company response to consumer: Closed with monetary relief