milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2015 about Bank account or service (Checking account) with U.S. BANCORP (GA).
Issue: Deposits and withdrawals

Complaint: I was sent an e-mail about applying for a loan and decided to call the number because I need a personal loan at the moment to help with some medical expenses. The loan officer told me that they would need my account information to deposit the loan for me. First, they had me do this cross verification process where they would deposit money into my bank account and then have me go to XXXX to send a money gram of the amount of money they had deposited in my account. They made a total of XXXX mobile deposits into my account, and I made the XXXX transactions requested of me by the loan officer in order to obtain the loan. Today, he had asked me to do XXXX final transaction in order to receive the {$5000.00} dollar loan, however, the transaction did not go through today because I now have a negative checking account balance of {$2900.00} dollars. The bank says because I gave the loan officer my account information and made the transactions, that I am now responsible to pay the negative account balance of {$2900.00} dollars. The bank had no process to report this scam I have been tricked into. I reported the scam to www.ftc.gov and they are supposed to be investigating my report. I feel that I should not be responsible for pay XXXX XXXX XXXX XXXX the negative account balance of {$2900.00} dollars because I was not the person who made the deposits into my account. The loan officer said that someone from the his accounting department would deposit the {$5000.00} dollar loan into my account once I had completed all of the transactions requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting XXXX credit inquiries on my credit report that i didnt authorized. 
XXXX/17 XXXX XXXX/17 XXXX XXXX /17 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 02-12-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of Identity Theft with a complete FTC package ( police report & affidavit ) and per state regulations I have a security freeze and a fraud alert on all three of my consumer reports. 

On XXXX/XXXX/2016 I applied for a Best Buy Credit Card issued by Citi Bank. Prior to submitting the application and thus 'hard pulling ' the actual report, Citi Bank were aware of the following fraud alert through 'soft pulling ' : XXXX XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016. ' When they did a hard pull, which was indeed authorized by myself, taking into account that they 'd ignore the fraudulent inquiries shown as 'disputed ' for 10 days BEFORE I APPLIED. They did a hard pulling and declined me because of solely being a victim of identity theft. This raises a legal issue of discrimination as it is certainly not my fault that my identity got stolen. If at any time prior to the hard pull, was I aware of they intentionally declining me prior to this, I would n't made the application and damage by report. Other lenders have previously issued me credit, DESPITE THE FRAUDULENT INQUIRIES as they knew I have n't done them myself per the fraud alert which you can see by soft pulling. I believe reason to believe that this is intentional and I would like to seek legal remedies to have the Best Buy Citi Bank Inquiry removed from my XXXX Credit Report. 

I have opened at least XXXX credit card accounts : XXXX and XXXX XXXX with both of the creditors being aware of inquiries on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Submitted a dispute to Equifax for XXXX # XXXX and XXXX # XXXX - Asked them to provide documentation showing that this information is in fact my account and correct, since I know it is not and still have not gotten anything but the standard " Verified '' response. As a consumer it is my right to know who was spoken to, who verified the information, and to send me a copy of all information. None of that was done!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, Around six months ago I opened Citigold checking account and I am still expecting XXXX XXXX XXXX miles to be posted for the promotion XXXX. On XXXX XXXX on my question XXXX XXXX replied that the investigation has been launched and I will get the outcome sent on my e-mail address which never happened. 
Before that on XXXX XXXX I have got a message XXXX from Citibank Client XXXX ( XXXX XXXX ) that my account has met the necessary requirements to qualify for this promotion and miles should be posted within 90 days which never happened. 
Before that on XXXX XXXX XXXX XXXX confirmed that promotion code XXXX attached to my Citigold account. 
What Citibank is trying to do is pretty much scamming, trying not to meet commitments after all their acknowledgements that I was eligible. I carry out my obligations and pay account fee which is $ XXXX monthly and I want Citibank to provide good customer service as advertised and honor their promises.

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 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: The US Bank XXXX XXXX card promises 5 % cash back if you use the card to pay for your gym membership. I saw that my gym, XXXX XXXX, is specifically named as an example on the US Bank XXXX XXXX card website. That got me to sign up for the card and sign up for the 5 % deal. I noticed that I have not received the cash back as promised. When I called to complain, I was told that their system shows the charge as recreation and not as a gym, and there was nothing that could be done. And that I would have to get XXXX XXXX to change the way they charge their clients!? To my mind this is fraud - advertising that XXXX XXXX as an example of the gym that participates, but then not honoring that commitment.

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 11-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit report says a account was charged off as bad debt, when in fact I paid account in full, I disputed information and the reporting agency did not correct the issue

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 04/25/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Struggling to pay mortgage

Complaint: It is with great disappointment and sincerity that I approac hed Ditech Financial to c onsider my request. I had requested a work out plan that was affordable.   Our struggling began  in 2015 when my  husband lost his job and I was the  only one brin ging in income. For a family of  XXXX . .My husband did everything to find a job. This could not had happened at a worst time. we had a reduction of income and increased expense s.. Ditech provide d a trial period. However, I made my first two payments and when I went to pay my third payment they because I made after the first Ditech will not accept it.   I desperately ask they allow me the chance to keep my home ..I have small children.   I am also certain that our financial situation will improve for my uncle is now contributing for he is home with us..   I am begin for a chance. Please review our situation, our financial and adjust our mortgage payment to an affordable level.   I hope and pray Ditech considers my request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Transaction issue

Complaint: I had furniture store card in 2016. I made my payments every month in 2016 by check. They convert the check into electronic debit. My checking account was debited for each electronic check to card company. 

The card company charged my checking for a second payment every month in 2016. I did not notice the duplicate debits on my account. I thought they were the same single payment. Also, my store credit card statement only showed one payment. When I made the payoff payment in XXXX, I noticed another payment to them came afterwards for a different amount. This is how I learned that they have been charging my checking account for two payments every month and applying a single credit to my credit account. My bank was able to charge back the last two incorrect charges for XXXX and XXXX 2016. They also gave me proof that the second payments per month were ACH for the benefit of a different person. I 've tried twice by phone and twice by sending the credit company documentation, their statements, my banking statements and ACH debits with other persons name as proof. Their reply in all cases is my account was paid in full XXXX 2016. It does not address the issue of taking extra payments every month. They have debited 10 transactions totaling {$2000.00} from my checking 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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat-out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief, you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.

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 06/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Most importantly, I am XXXX since birth, XXXX  and XXXX XXXXXXXX, and a XXXX XXXX. it is IMPOSSIBLE for me to contact Navient, because NONE of their phone numbers are accessible to persons who use XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Furthermore, my problems with them began because their loan documents are much too small to read, their " instructions '' are even worse to read and understand, and I had to ask my other XXXX XXXX friend to become my Cosigner for the loan. After I was granted the Cosigned Loan in our about XXXX, I received a Forebearance after I graduated, and Navient NEVER TOLD ME CLEARLY what was the EXACT DUE DATE for repayments to begin after the Forebearance. There is some kind of " rule '' at Navient that the person must make all payments due ON TIME for the first two years, and they will then release the Cosigner. I missed only one payment during the first two years, because Navient did not clearly notify me of the Due Date, BUT SINCE THAT TIME, all of the monthly payments have been made ON TIME. They still refuse to release the Cosigner, and they wo n't permit a replacement Cosigner. My original Cosigner is now XXXX and he wants a peaceful life, but he is STUCK by Navient, and he is very upset, and so am I, This is RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I 'm trying to get a loan for a mortgage on a house and equifax is saying that the applicant ( me ) is blocked and are n't giving my credit report to the lender. It 's been  three  weeks and I 've faxed them all my information that they 've asked for which was my Ssn and id and they 've told me that all three times I 've sent it to them that they have n't received anything from me. The first time I faxed them was on the   XX/XX/XXXX   then  XX/XX/XXXX    then again on the   XX/XX/XXXX   and nothing has helped

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Portfolio recovery calls me everyday threating to sue me in threating to garnish my wages. I have sent them letters to verify my debt. I have also sent them to the credit bureau. I having been waiting three plus days.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (I do not know) with Northeast Collection Bureau (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This agency continues to call even after I have explained XXXX times - XXXX messages and XXXX direct connection - that this number no longer belongs to the person they are seeking. My phone service identifies the number as Northwestern Debt Collectors. XXXX

Company response to consumer: Untimely response
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with Harbor Front Acquisitions LLC (Closed) (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They keep callin me, I told them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This item is being reported as being late and has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I, like so many people, have had problems with FedLoan Servicing. They sent notifications that payments were sue to an email address I do not have access to, and made no other effort to contact me saying I was missing payments until sending a letter in the mail saying if I did not make a very large payment, my loan would default. I called an explained to a representative that I had not been notified that I needed to make payments which is when I learned they were sending notices to the wrong email address. The representative told me that she would fix it so it did not look like I missed these payments, but it still shows up on my credit report that I have several missed payments, and now my credit has greatly suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (AZ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: US bank intentionally misleads consumers to collect fees. I have been charged  XXXX  late fees at  XXXX  dollars a fee. That 's over  XXXX  dollars that I only recently discovered. I do not have online access to my account and therefore I make payments via telephone. The automated system give me a balance due but does not mention a late fee. The balance is the same every month so I was not suspicious. My payment is due at the beginning of the month and I always pay within the first 14 days of the due date. I was never informed of the late fee or the lack of a grace period. Furthermore I attempted to extend the due date years ago and was told it was not possible. My auto loan would have been paid off three months ago if not for these excessive deceptive fees . US bank is obligated to inform clients about fees and discuss options. This is not the first time I have been mislead by US bank . When obtaining the autoloan I opened up a checking account with them to receive a discount. The charged a  XXXX  dollar fee after telling me it was free. The fee overdrafted the account. It cost me  XXXX  dollars to close the account. I will dedicated my life to preventing others from doing business with US bank.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22. 
Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: APR or interest rate

Complaint: The Target department store is refusing to comply with the SCRA federal law practices by decreasing my interest rate and reimbursing me for all late payment, and for all interest rate amounts charged that were over 6 % for the duration of my spouses XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: when I was in my XXXX, I transferred schools. Then they began billing me as if I was no longer enrolled in school. I filled out forms and the financial aid dept at my university informed them I should have my payments deferred until graduation. unfortunately, none of that happened and my loans accumulated interest and late fees. I payed what I could and then could n't. it went into forbearance. I eventually was able to get a repayment plan based on income. however, I am still paying more than I should have.

Company response to consumer: Closed with explanation