milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XXXX XXXX or around that day, I applied for Citi Card at our local Costco store. The first time I entered the application online at the Costco store, the staff from Costco said I need to call Citi Cards. I did at that moment and they said it was denied because my XXXX XXXX did n't match. Costco membership had my old XXXX XXXX " XXXX ''. The representative on the phone from Citi Cards advised to have Costco membership change my name and resubmit new application for the credit card within the next 5 minutes. Which I did! This all happened in the matter of 20-30 minutes. 

I filled out a second application after my name was updated in Costco system. The second application again said I need to call Citi Cards. Which I did! The second time i called Citi Cards, the representative did not say anything but just said I will get a response in the mail in 10 business days. They do n't tell you " you are denied over the phone '' I understand. but when I received the letter from them, stating " Unfortunately, we ca n't approve your application. We reviewed your application and cant approve it because we could n't verify the accuracy of some of the information you provided. REALLY!!! 

I have ID theft protection on my credit reports, I have recently applied for other credit ( $ XXXX for a new car ) and was approved with NO ISSUES. When I apply for new credit ( normally ), the creditor gets prompted security questions they need to ask me before they proceed. The CITI Cards people just plain denied my application for " could n't verify the accuracy of some of the information you provided '' WHAT ACCURACY! maybe be more transparent over the phone and tell consumers what is going on!!!! 

I do n't know if CITI was plain lazy in proceeding with my application or there are some flaws in their system, but I find it OUTRAGEOUS that they are denying me for a credit card that charge almost XXXX % interest rate, while just a few months ago, I have been approved for credit cards with interest rate at XXXX %, and car loan at the amount of $ XXXX This is rigged. And on top of it, they will report me to the credit bureaus as denied because they did n't do they due diligence and XXXX me over!

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 01-10-2018 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: Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.

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 02/13/2017 about Credit reporting () with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: account number XXXX BMW financial services, is reporting XXXX delinquencies on my records for the mentioned account number, to the best of my knowledge that never happened and need to be removed since these are hurting my credit. i would need your help since i have been disputing many times and they never responded me back with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today I received in the XXXX a letter from " Experian '' credit bureau dated " XXXX XXXX, 2015. '' In it " Experian '' has under the " Personal Information '' section, myself as named " XXXX XXXX XXXX, name identification number XXXX. '' This is n't me. My name is " XXXX. '' I am the victim of Identity Theft. When I called up " Experian, '' they refused to " Delete '' this " XXXX '' false/Identity Theft name off of my " Experian '' credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a negative item on my report that is being reported twice under a similar name. I sent a dispute on XXXX/XXXX/2015. I received a reply dated XXXX/XXXX/2015 stating that the item is " currently being reported as a single item '' however, a report run two days after the date of their letter shows it still being reported twice.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Billing disputes

Complaint: My account was hacked and a card with my number was used to make unauthorized purchases at a XXXX store, in the amount of {$70.00}, in XXXX, Michigan on XXXX XXXX, 2015. While Citizens Bank credited the unauthorized charge back, they failed to accurately credit my account for finance charges. I paid off all new charges monthly, yet continued to be assessed finance charges. I have had numerous phone conversations with Citizens personnel and written numerous letters. I finally cancelled the account on XXXX XXXX, 2015 due to their poor service. My most recent and final statement contains an erroneous {$11.00} finance charge and an unauthorized charge of {$74.00}. I have written a letter to Citizens identifying these items.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company National Credit Adjusters has repeatedly contacted me despite requests not to do so, from a number that is masked on caller ID as a different number, claiming I owe a debt that they can not/will not verify in an official notice. I have received unofficial email notices claiming I owe a debt around XXXX dollars or XXXX dollars, representatives on the phone say I owe north of XXXX dollars. The debt amount changes with every different contact, and they still have not sent a notice to me to date despite me asking. This company operates in a way that I am convinced this is either a scam or the most unprofessional agency I have ever dealt with. I would like someone to help me straighten this issue out because the company and I can not seem to hash anything out at all, and they have threatened legal action despite not providing any paperwork that I even owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have not received any disputed wrong information that I asked Experian to delete from my report since XX/XX/2016.

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 07/21/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Credit decision / Underwriting

Complaint: I have been in touch with over XXXX lenders up to and including the bank VP for Lending and have not received XXXX offer to refinance my current, well above market rate, loan. The problem seems to be that I do not meet the debt-to-income ratio Dodd-Frank implemented to " protect '' me. Thanks guys! 
I am seeking to refinance my XXXX XXXX %, fixed rate, {$130000.00} loan which matures in XX/XX/XXXX. The property is 40 % LTV, I have a XXXX FICO score, have never missed a payment, and have a liquid net worth excluding real estate equity over {$500000.00}. I earn money by investing and my XX/XX/XXXX AGI was over {$XXXX}. 
Obviously, it is difficult to imagine not being able to make the payments any time soon and harder to imagine letting the home go to foreclosure. Moreover, as I am not asking for additional capital, simply to not pay an extra {$2000.00} a year in interest, a new loan could only lower my risk. 
I would like to better understand how this legislation has done anything to protect/help me, a financially secure, responsible, savvy consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Payday loan () with LDF Holdings, LLC (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX/XXXX/15 I recieved a loan from Radient Cash for {$700.00}. that was directly deposited in my checking account at XXXX.The loan is called a payday installment loan and is for 6 months.The payment for {$200.00} is automatically taken out of my account on the XXXX and the XXXX of every month. This is {$410.00} a month for six months comes to {$2400.00}. This is an interest rate of over 700 percent a year. They never brought that up to me. It gets worse, after looking over my bank statement XX/XX/XXXX I notice that they deposited {$700.00}. twice on XXXX/XXXX/15. Now I realize that I owe them {$1400.00}. After doing much research I discover that this is not leagal in NJ. Today is XXXX XXXX and I am up to date with all payments, but I 'm not able to do it any longer. Please, please help me rectify this horrible situation before it destroys me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This makes my third time trying to dispute information the has been submitted by : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The negative remarks pertaiing to late items are inaccurate. 
XXXX XXXX reported me as 60 days late XX/XX/XXXX before my payment was due. Also XXXX XXXX was provided authorization to withdraw my payments from my account utilizing a special payment program. The docuemnts to authorize this program was submitted to XXXX XXXX on two sperate occassoin the first being in XX/XX/XXXX and the most recent on XX/XX/XXXX. I confiremd the receipt of my document prior to my payment being due in XX/XX/XXXX and the female customer service rep at the XXXX store confirmed my draft and payment date of XXXX/XXXX/2016. The drafted payment never cleared my account and so I called the branch. I was informed that the payment for both XX/XX/XXXX and XX/XX/XXXX would be processed on XX/XX/XXXX, but this did not happen. Instead I was given a negative payment mark of 60 days even before my paynebt due date of XX/XX/2016. When I called the branch they stated thaty never had an automatic draft plan scheudled for me. I informe them of the error on my credit report and my willingness to file a XXXX complaint at which time they tried to work with me. A manager ( XXXX ) from the XXXX branch contacted me and stated that my account would stay in a duispute status and if the account payment were caught up he would then notify the main office to correct my credit report to reflec that the account error was resovled. This conversation took place on XX/XX/2016 at approximately XXXX. 

XXXX XXXX has reported me delinquent for XX/XX/XXXX and XX/XX/XXXX but has recieved payments in both months accordingly. The past due balance they are reporting is inccorrect and includes additional fees that have not been provided to me or explained to me. Attahced is a copy of the payments that have been made to XXXX XXXX over the past six to seven months. I have not been contacted by XXXX XXXX regarding any late payments. 

XXXX placed my account in a payment protection status and I requested a letter to verify that I was placed in this program. XXXX has removed my account from the collection status as the past due remarks were done so in error.

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 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have  XXXX   American Express Cards ,  XXXX  is a Business and  XXXX  is Personal.   The business card has a credit balance of  XXXX  and I wanted it transferred to  the Personal Card. T he Customer service says it tak es 7 to 10 b usiness days. ( to transfer a balance are u kidding me ) I started the process on  XXXX   XXXX  via a Chat line from the company website. Around the  XXXX  of  XXXX  I called to find out what the problem is because it was not transferred.   They gave me a line that the Chat people did not do it. So on the  XXXX  they said it would take another  XXXX  to 10 business days to make a transfer. Stupid as it is ....   So now is the  XXXX  and still nothing has been done.     How difficult is it to transfer a balance between  XXXX  accounts at the same company?   Why should it even take 1 day vs  7 to  10 days to do a simple transaction. Their answer .. . .. Pr ocedure ....   Makes no logical sense.     The  XXXX  credit cards are Personal  XXXX  Business  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have an account with Paypal credit. In XX/XX/XXXX I had an issue with them not honoring the promotional payment terms I selected for an XXXX purchase. I filed a complaint with consumerfinance.gov, and the issue was resolved. However, since that time my Paypal credit statements have not been providing accurate information. Many promotional purchase items do not show monthly balances that make any sense. Even when reconciled to the information provided on the statements, some items show paid off before they were supposed to. Some items show as not being paid off, even though they should be. Some items that are supposed to have a fixed monthly payment amount vary wildly in the monthly payment amount allocated to the item. Also, the standard purchase amount ( the amount subject to interest charges ) is off by a large amount. Therefore, I can not determine that I am not being overcharged monthly interests fees because Paypal will not provide the information needed to determine this. 

I spoke with a supervisor, XXXX, on XX/XX/XXXX. He told me he would audit the account, and follow up with me. I followed up every week for two months, and I have never heard back from him. Other supervisors later told me that I would be sent a letter breaking down how monthly payments were applied. I have never received any letter. I followed up with this twice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT I HAVE BEEN GRAVELY AFFECTED AND MY SCORE IS SUFFERING AS A RESULT. NO NOTICE WAS EVER GIVEN WHICH IS ALSO A VIOLATION AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED : XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 04/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Saw the CFPB suit against Nelnet. I 've experienced  XXXX  of the allegations plus an additional problem.    1.  Fails to correctly apply or allocate borrower payments to their accounts. I had problems making early payments while still in sch ool. Nelnet t old me that any payments provided early would go to " anticipated interest '' rather than the principal. Additionally, there were errors early on in how my payments were applied across multiple loans amounts.   2. Steers struggling borrowers toward paying more than they have to on loans. Experienced this during  XXXX  school on my  XXXX  loans. Was not informed adequately about repayment plans that allow for a lower monthly payment, steered towards forbearance for 2 years.    3. Change  in type of loan. I initially was given  Direct Federal Loans,  when transferred to  Nelnet, the y removed the " direct loan '' distinction. This hurts me under the  Public Service Loan Forgiveness ( PSLF ) program, because PSLF a pplies only to    Direct Federal Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Good afternoon, I am a veteran that used my VA Home Loan certificate to buy a home in XX/XX/XXXX. The address of the home is XXXX XXXX XXXX XXXX, XXXX, AL XXXX. In XXXX XXXX, my wife and I divorced ( see attached ). In the final judgment of the divorce, my ex-spouse got the house and I was ordered to pay the mortgage for 36 months or until the property is sold. Whichever came first. In XXXX XXXX, I filed a Quit Claim Deed with the county Tax Assessor removing my name from the deed. I sent a copy of these documents to the mortgage company informing them of this action. In XXXX XXXX, I sent a letter and other supporting documents to the mortgage company requesting that I be Released from Liability. This would give my ex-spouse the option to refinance the mortgage or sell the property. 
In XXXX XXXX after checking my credit report, I find out that the mortgage for the property at XXXX XXXX, XXXX, AL XXXX, is several months past due ( {$14000.00} ). I contact my ex-spouse, whom I have been paying {$1800.00} per month, per the court order to pay the mortgage, to find out what is going on and I am told by her that she is trying to refinance the mortgage. I contact OCWEN, the mortgage lender and I am told, since I filed papers with them to remove myself for the mortgage, I will need to contact the new mortgage company, XXXX XXXX. ( see attached ) What I would like answers to are these questions : 1. As the primary and the veteran whom certificate was used to finance the mortgage, regardless of if I requested release from liability ; why was n't I contacted once the mortgage became 30 days past due? 
2. Is the new mortgage company using my VA Certificate to refinance this mortgage? 
3. Why was n't the property foreclosed on instead of allowing the mortgage to become 6 months past due?

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly stored my credit report and allowed it to be accessed by unauthorized individuals. Thus far they have n't been able to conclusively tell me whether I 'm affected, and my attempts to get credit reports from all three unions have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received XXXX services at a hospital in XX/XX/XXXX. Around XX/XX/XXXX, I discovered a collection account on my credit report from XXXX. I immediately contacted them, and we uncovered that the bill for services had been incorrectly sent to the hospital 's address, rather than my own. They reissued the bill for {$51.00} correctly and stated that the account would be withdrawn from collections and my credit report fixed. I then promptly paid the bill. Over the next several months through XX/XX/XXXX I repeatedly inquired from both creditor and collection agency why the collection account has not been closed and why my credit report had not been collected. Both parties assured me it was being would be taken care of, but over the course of six months it remained open and the untrue damaging information remained on my credit report. As I write this on XX/XX/XXXX, the open collections account is still on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.

Company response to consumer: Closed with explanation