milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AR).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citibank on XXXX XXXX, XXXX. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : one bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XXXX and XXXX and completed the {$1000.00} spend in XXXX. I contacted Citi via online chat session on XXXX XXXX after I finished all the requirements needed and chatted with XXXX who checked my account and told me I correctly completed the requirements and should receive the bonus miles no later than XXXX XXXX, XXXX. I contacted Citi again in XXXX to see why I had n't received the promotion. They sent me an email a week later saying I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( {$90.00} deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?

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 12/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NM).
Issue: Deposits and withdrawals

Complaint: We have a small business as a gallery for 55 years. Wells Fargo provides my merchant credit card services. Wells Fargo overcharge for the monthly interchange charge. I asked Wells Fargo to verify the formula they use and return the excess money charged. This was done in writing and they closed my case without resolution. I am XXXX years old. Please 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 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collection agency sent an email to a 3rd party email address and disclosed the debt and all other information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Student loan (Federal student loan servicing) with Ceannate (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I live on social security. I defaulted on loans I took out to pay for my childrens ' college expenses.Since I am in default the Education Dept. is taking $ XXXX monthly from my SS amount. Now a company called fms, a XXXX company has been hounding me for the same debt. How can this happen when I am already paying on this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have asked three times for my loan payment option to be switched to the revised income based plan. They have told me every time that it will go into effect the next month but it never changes. I have all of the messages saved. This month the payment was even higher. It jumped to {$270.00}! I ca n't afford for them to keep doing this to me. If it is n't lowered like iced asked multiple times I am going to have to defiant on my loans and I do n't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I spoke to a representative on the phone around XXXX XXXX about my loan and me still being in school. After I finished my class the quarter was over and the next quarter would start in 3 months are so, I contacted the loan department and inquired about why I received a letter stating that my loan was coming up for repayment status, I was advised to send in income information and in the meantime apply for a forbearance, by the representative. I applied for the forbearance she walked me through it online. I sent in my requested documents. and waited. I was sent and email stating my forbearance was approved and no payments were due. A couple of months went by and I received my credit report and found Navient on my report reporting that I missed payments for 90 days. I immediately called in and spoke with a representative about it. I was told by that XXXX that I must have missed the deadline and that it was nothing I could do, I explained to her that there was no deadline and that I had a forbearance that I was advised to do. She said I would have to send in another forbearance and apply for an income driven payment plan also to contact the credit bureau. I 'm confused as to what I did wrong? I was giving false information that lead me to have a negative item on my credit report by an agency that said they were working with me.

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

Complaint: 1 month ago Equifax leaked my ( and millions of others ) Social Security number and other private information to hackers. Equifax failed to notify me of the breach, and like most other Americans affected by this breach, we only heard about it in the past week from social media and television. 

Now I must freeze my accounts, pay a credit monitoring service to notify me of fraud, and possibly look into changing my social security number depending on how many people now know it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TX).
Issue: Wrong amount charged or received

Complaint: I wired Wells Fargo a large sum of money to attempt to payoff a reverse mortgage on my father 's estate on XXXX/XXXX/XXXX. My bank, XXXX XXXX XXXX charged me the service fee of {$30.00} and the money hit the Wells Fargo account on XXXX/XXXX/XXXX. I left off the reference number of the reverse mortgage in the body of the wire so Wells Fargo did not initially accept it ( See case number complaint XXXX ) and the money was wired back. I wired the money back to Wells Fargo and it was accepted. My complaint that I referenced in the dispute of the case number above is that when the funds were returned, the amount was short {$45.00}. I checked with XXXX XXXX XXXX and they did not withhold any kind of fee for the return of the money. I need to account for the missing {$45.00} because these are estate funds and other heirs are involved. The contact at Wells Fargo that handled the old complaint told me all the money was wired back but clearly the entire amount did not hit my account.

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 04-08-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have been consistently been dealing with Ocwen Mortgage Company with the very problems you cited them on in the lawsuit. ( 1 ) Claim that I signed a 5 year agreement to be off of my fixed mortgage rate to 5.6 % or higher so the letter says. I did not sign anything. Why would I want to change from my 4.2 % fixed rate of 13 years. ( 2 ) After much investigation, they were charging me for phone payments I never made. ( 3 ) The phone charge was taken out of my mortgage payments which it does not say on their phone payment service. ( 4 ) This resulted in not fulfilling my mortgage payment plan because they said the full payment was not made. They charged me with additional fees. With the help of XXXX consultant all of my information was verified because they handle my mortgage payments. It was also found that they were trying to get money out of an account that was not mine. They refused to change to correct the information in their system until the bank let them know they too would file charges of fraud. Because of this, they made me send my payments via XXXX. but, it was signed for as recieved but put on my account as late because it took XXXX days to work thru their system with the incorrect information. This company is terrible. How are they still allowed to get away with the things they have been cicted on. Something on a federal level needs to done. I should not have to fight this battle alone. The only person that agreed to help me straighten out this mess was XXXX XXXXXXXXXXXX. She has alot of my his tory and results of this mess, but her company is at it again with another act of fraud. I did not sign a 5 yr. plan. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with AMERICAN EXPRESS COMPANY (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XXXX   XXXX ,  2017 , someone online fraudulently took all of the money out of my account, bringing the balance down to {$0.00}. When I complained to the bank mere hours later, they assured me the funds would be returned to me within 10 days. They did not offer a new card, but walked me through the process of resetting my password, security question, etc. This was o ver 3 week s ago and the money ( about {$380.0 0} )  still has not been returned. I called customer service around  XXXX   XXXX  and they stated they needed more " time '' for " investigation ''. I have since filed a police report, where the police were able to identify the people who did this. ( They are out of state. ) When I spoke to this bank on  XXXX   XXXX , they told me they were issuing me a new card because they suspected fraudulent activity on the accou nt ( a purchase attempt in a store I had not visited in the amount of {$890.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We switched banks, so we had to change the checking account that the automatic payment was made from. We requested the form from Aspire and then submitted it with the new information. Aspire cancelled our current payment ( even though we did n't request a cancellation ) prior to setting up the new payment so 1 monthly payment was missed. They then cancelled out interest rate reduction that we had for making our first payments on time back in XXXX or XXXX because of this missed payment which was their own fault that the payment was missed.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and Experian and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX XXXX and Experian remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX the following inquiries ... .see below XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least

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 12/20/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a home equity line of credit with XXXX XXXX XXXX Bank in XXXX with a set interest rate and automatic renewal provision in 10 year cycles - this account paid properly every month since origination. In early 2013 XXXX XXXX XXXX notified me that the equity line would be converted to a " installment type loan '' and modified to a set payoff schedule at XXXX the current payback schedule. I disagreed with the terms XXXX XXXX XXXX offered and continued to make regular on time monthly payment. 

In XXXX 2013 XXXX XXXX XXXX returned my payment with a letter stating that the bank would not accept further payments on this loan based on non-modified terms. In XXXX 2013 I attempted to make my payment at a XXXX XXXX XXXX Branch - which was refused. In XXXX XXXX XXXX XXXX filed a " pre-foreclosure '' and notified me of the pending legal proceedings. During this period ( XXXX through early XXXX ) the only contact available to us through XXXX XXXX XXXX was their " mortgage default department '' which was anything but helpful and kept suggesting/demanding I use a government HARP program for loan modification which I had no interest in using. 

Later in XXXX 2013 XXXX XXXX XXXX and I came to an agreement for a payback schedule at a set interest cost and set payments - all payments have been made on time before and since. This loan was never in default, although XXXX XXXX XXXX refused payments for several months. 

Experian continues to list this account as a foreclosure with over a year of missed payments - XXXX correctly list this loan with no " default-foreclosure-late payments ''. I have disputed the reporting several times through the standard Experian dispute process and Experian refuses to correct their reporting as so called " verified '' nor will they accept an appeal of their incorrect account listing information. 

My Experian XXXX scores are XXXX points below other credit agencies scoring due to this incorrect listing and are shown as recently late ( 2013 ). All XXXX of my reports ( XXXX Experian ) correctly show the new loan ( XXXX XXXX XXXX modified to set terms ) as paid - never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never been to XXXX or lived there. I have lived in XXXX XXXX and XXXX XXXX XXXX. What can I do to take those addresses off my 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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian Report # XXXX for XX/XX/XXXX Experian has on page 3 of 20 XXXX XXXX XXXX XXXX XXXX incomplete reporting information. Experian has date open XX/XX/XXXX but only show partial XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. this is a incomplete payment history. Experian also has XX/XX/XXXX as first reported but no payment history. Experian has incomplete payment history of the loan since XX/XX/XXXX. Also Experian has not or want provide documented proof to the payment history as incomplete by them.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I opened a Capital 360 account on the premises that I would receive a {$400.00} bonus. I called two times to ensure I qualified for the deposit, and each time I was told yes as long as I get my two {$250.00} direct deposits. I switched over my direct deposit to this company just on this reason. Now when I get both qualifying deposits, I am being told I will not get the bonus. This is deceptive practices because twice, representatives from Capital One assured me I would get the deposit. Now, a supervisor told me to XXXX and provide the link where i got the promotion code. Why is that burden being put on me? I do not remember where the code is and the code expired as ofXX/XX/XXXX. There is no way I can obtain this information! I will like the {$400.00} bonus that i put the XXXX code in for and was guaranteed to get by both representatives I spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My identity was stolen in the middle of XX/XX/XXXX, I changed all my banking to capital one 360. My first direct deposit went in onXX/XX/XXXX, the morning I checked my account and everything was frozen, could n't spend or withdraw, transfer funds. Nothing. I was on the phone all day trying to settle the matter, without any resolve. The final person said that I should know the reasons why they were choosing to end the banking relationship. And that they were sending me a paper check and I should be glad of that and hung up on me. I have yet to receive my check for XXXX from them. And now they flag me and send me immediately to an answering machine that nev3r returns my calls

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: LOAN # XXXX OCWEN LOAN SERVICES4 Months ago we request Hamp Loan Modification : XXXX this is XXXX XXXX XXXX XXXX on XX/XX/XXXX our business suffered a financial loss therefore I had requested to Ocwen Loan Services loan modification on our Home. Bankruptcy or Fore Closure is not an option we are willing to take. We have enough equity and after XX/XX/XXXX New Job. We had contacted Ocwen for the loan modification, they had advised to us to stop paying for the loan, since they said this had to be done in order to qualify for the modification program. I ended up checking my credit report, and they had reported it and my credit score took a huge hit. This has also created more damage in our business since now I can not apply for anything. We have still yet to hear back from Ocwen in regards to my loan modification Status after 4 Months. I want to file a complaint & maybe if somehow someone from your department could look into this, I would greatly appreciate it. Also, are there any options I have available in order to avoid foreclosure of my real estate. We only need loan modification ut it seems nearly impossible, Ocwen do not assist in any way and they never respond to us with any offer after 4 months we send all documents via e mail pdf, XXXX certifided mail, etc.. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I applied for forebarence on my Navient loan which was approved. They continued to call and harrass me for payment anywhere from 6-10 calls per month. I finally spoke to a person in XX/XX/XXXX and they told me the loan was n't in forebarence even though I had a letter stating it was. I negotiated with the collections rep to make a double payment by the XXXX of the month every month until the loan was brought current. I made that first double payment XX/XX/XXXX on the phone. I sent the second double payment XX/XX/XXXX via mail which they received on XX/XX/XXXX. My next double payment should n't be due until XX/XX/XXXX. This morning ( XX/XX/XXXX ) I received a phone call saying my payments are late and need to be brought current. No record of course with me negotiating the double payment back on XX/XX/XXXX. I am doing what I said I would do and the phone calls and harrassment does n't seem to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted this complaint multiple times and will continue to do so until resolved by you and them. The account is joint with my husband and hence we SHOULD reflect the same information on ALL credit bureaus reporting agencies and both of our accounts. The issue remains that XXXX was required to close the account due to the LAW and noted it was closed by us because THEY had a security hold on the item we borrowed against. That precluded our gaining a mortgage acceptance along with the incorrect credit reporting severely handicapped our ability to refinance our debts. We remain with very low FICA scores.

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