milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I opened a Macys account in 2014 when they promised a discount on all purchases that day. I later found out that they did not discount as they said so only kept this account for a few months. When I received a statement in XX/XX/2015, it said I owed {$66.00}. I paid this on XXXX/XXXX/2015 and asked that my account be closed since I felt I could not trust this company. Today, I received an email saying I owe them {$4.00}. I called Macys this evening and the woman told me they charged an additional {$2.00} after I paid off the account and now they are adding another {$2.00} on the original XXXX. She could not help me stating her manager would call me at some point but she could not say when.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SD).
Issue: Billing disputes

Complaint: Both my wife and I have a credit card with Bank of America. I logged in to pay today and noticed that both of our accounts show a different minimum payment due on the main account summary page than when I go to the make my payment screen. I have an example as well I can supply. Neither account was past due so no reason why my minimum payment should be different.

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 08/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have asked Portfolio Recovery to only contact me by mail. I have also informed them that I do not believe the debt is owed by me and would like to research if they mailed me the information. These harassing calls have continued for over 4 years. The calls come from different numbers every time. The most recent call was XXXX XXXX, 2017 at XXXX XXXX. They continue to call 3-5 times per week. They are rude and very aggressive. They will also immediately call back from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have previously disputed this incorrect collection account from my credit file from XXXX XXXX XXXX because this was an account that I opened myself and used for a small period of time, but the card was stolen. I reported the card stolen to the original creditor and continued to pay towards the amount that I owed after I was told the other charges would be removed, they never were. The account has previously been removed from XXXX for the same reason on XXXX XXXX, 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 07/18/2017 about Debt collection (Other debt) with Colony Brands, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX   placed a charge off account on my credit bureau files. They did not advise me of my rights to dispute such debt.   XXXX   XXXX   is advising that the last payment they received was for  XX/XX/XXXX . They did not charge off the debt until  XX/XX/XXXX . Per the FDCA this account should have been charged off 180 days from the first delinquency. They did not charge the debt off until 360 days after the time frame that they are claiming the last payment was made.

Company response to consumer: Untimely response
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for the Citi premier personal credit card XX/XX/XXXX with a link that " earn 50,000 bonus thank you points after {$4000.00} spend within 3 month of account opening. 
I spent more than {$4000.00} in two month and have waited. 
After 3 month still no bonus appeared on my account, so got a chat with Citi online representative but replied me that " No promotion offer found '', then recommended me gave a call. 
so I gave a call and talked with XXXX XX/XX/XXXX, answered need to wait one more billing cycle. 
today, it has passed another billing cycle, no bonus. 
I called and talked with XXXX. also answered need to review and wait 1~2 weeks. 
I don`t want to wait any more. 
I met the spending requirement in 3 month that they advertised. 
I never made any thank you points related credit card before. 
Thank you.

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 06/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Credit decision / Underwriting

Complaint: Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). 
Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. 
I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. 
REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. 
Read the file, you will be amazed. I want to be included in the settlement. 
Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: APR or interest rate

Complaint: Had been receiving robo calls about lowering an interest rate to 1 % on a CC. We always just hang up on it. Today XX/XX/2015 I stayed on the line. Very convincing person who goes by name XXXX XXXX operating number is XXXX I chose to go a head with the call due to having some difficulty with our finances and Im always trying to save money. 
I did tell him that I changed my mind because it did not see right.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: Equifax XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX can not seem to get anyone 's address correct. 
I 've been helping my neighbor across the street with clearly a different last name and first name and they send his mail using my address. This has to be stopped immediately. 
In the past, they sent a fraud alert to the identity thief in XXXX without permission. What is the matter with them? I will send proof of my name and address as well as the neighbor 's address AGAIN. Tell them to knock it off. I will follow up with a complaint to the Georgia Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I got my loans thru  XXXX   XXXX  now  Navient.  I got  XXXX  loans total. But in  XXXX   XXXX ,   XXXX   it got to the point because of the interest and the payments that I had to consolidate  XXXX  of my loans. So i could afford the payments and get a lower interest rate. My interest was from  XXXX  to  XXXX . They were not willing to work with me and did n't care about my life situation. So i consolidated with  XXXX  which brought my interest down and my payments down and actually making a difference in my grand total. But I still have  XXXX  more loans with Navient and they are now at 10.5 % and they said they could only reduce my payment by {$30.00}. I 'm stuck in the payment cycle and not making any leeway. I have a full time job, i own my home, and have  XXXX  kids. I 'm trying to get out of debt and they are sucking me dry. Now i have to do a refinance and borrow against my house to pay my student loans off so i can make a difference in my financial situation. Please do n't let them do this to anyone else trying to get out of debt but stuck in the student loan repayment  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX is charging me for a credit card that I have never had ... someone had fraudulent open a account in my name without my authorization ... this account needs to be removed off my credit report due to fraud.. I have filed a police report ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Payday loan debt) with Enova International, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notification on XXXX XXXX a credit reporting app and it stated that I owe {$390.00} dollars from a company name Cash net USA and Ive never used this company nor do I owe them any money. Its being reported on XXXX, XXXX and Im not sure if its on XXXX. I would like this company to remove this debt because its not mine nor do I owe them anything. I havent received anything in the mail yet but nor any communication through telephone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Unsolicited issuance of credit card

Complaint: I have had repeated problems with PayPal, which has twice now issued me their credit cards without my knowledge or consent ( including a XXXX one now after having directed them to cancel a prior one ). They then link their unwanted credit card to my PayPal account, and make it the primary means of payment. Generally I am able to avoid using their card by switching the payment to my " real '' ( XXXX ) credit card, but I need to remember to click on my XXXX credit card each time I make a purchase, and occasionally I forget. 

The amount I owe on the card is modest ( less than {$50.00} ) but I find this business practice to be deceptive and if it is n't illegal it certainly should be. ( They basically are tricking consumers into using a credit card that the consumer never asked for or agree to have ). I would appreciate you looking into this on my behalf and on the behalf of all consumers. 

Thanks, 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 monetary relief
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was granted a forbearance of my student loan with Navient in XX/XX/2015 after receiving an email about my account being past due for XXXX, XXXX, XXXX, and XXXX of that same year. They had sent me an email to reply " yes '' to a forbearance and that is what I did. That email stated that this would bring my account current. 

My approval email stated my forbearance request was approved and that payments were to resume on XX/XX/2015. My credit reports from all 3 bureaus are still showing 90 and 120 days late for those 4 months. I would like these late payments deleted from all 3 reports because this is a violation as per the FTC Advisory Opinion on Section 623 ( a ) ( 2 ) of the FCRA. I have been in several forbearance periods on this same loan since then and the payment history IS being reported accurately on those so far.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MT).
Issue: Trouble during payment process

Complaint: It started here ( an email from XXXX XXXX formerly Nationstar Mortgage ) ( begin of email ) OnXX/XX/XXXX we made your Hazard Insurance payment of {$3300.00} to XXXX XXXX XXXX XXXX XXXX. Our next payment for this is scheduled for XX/XX/XXXX.
Just letting you know. There 's nothing you need to do.
Best, Your friends at XXXX XXXX ( end of email ) The problem is that I have TWO properties covered by XXXX XXXX XXXX XXXX, and XXXX XXXX mistakenly paid the Hazard Insurance premiums for BOTH properties ( which they have managed not to do in the past ). I opened a case with their customer service, and after a month, all they have managed to do is send me case information for another one of their customers. Someone is asleep at the wheel here. ( I 've attached the file they sent me. )

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Years ago, I think XXXX, I saw on a credit report that and old credit card debt from MBNA was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX 2015, that there was a Judgment Lien on my credit report. XXXX Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to XXXX who then tried to collect on an expired debt. I looked up XXXX on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by XXXX. Now I found out XXXX sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the Credit reporting agencies have not followed the law. Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. 
Blocking Bad Credit Information from Credit ReportsThe law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.

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 08/16/2016 about Debt collection (I do not know) with Municipal Collections Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTION COMPANY MCSI INC XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX is reflecting a collection attempt for this violation. I disagree with the cities finding and demand that this collection company remove their attempt off my personal credit report

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 05-10-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I was out of work sick with XXXX, much better and been back to work I asked fofor a re a repayment and was told that I need a lawyer for 4 month I would n't have gotis far

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 11-05-2017 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: Account information incorrect

Complaint: On my Equifax report there is two late payments from XXXX XXXX XXXX XXXX showing up..I have never missed a car payment and believe there was some confusion when my insurance and Gap insurance paid off my car..I spoke to the bank about this issue and was told to contact Equifax about fixing the problem..

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from 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 non-monetary relief
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has a hard inquiry on my credit report from XXXX XXXX. I informed them that XXXX XXXX was only doing identity verification and not a credit application. I have attempted to do the dispute with Transunion online twice but was unable get the correct options to go through. I called Transunion customer service to dispute over the phone. They said I needed to get a letter from XXXX XXXX stating that it was not a credit application and fax it to their offices. I secured the requested documents and faxed them as instructed on XXXX XXXX 2015. I called XXXX XXXX 2015 to get a status and was given the same instruction over again because they did n't see anything. That was my 3rd attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On  XXXX / XXXX / XXXX  Midwest Recovery Systems recorded a collection with all   XXXX   CRA 's related to what looks to be a payday loan in  XXXX . I contacted the agency and requested proof of the debt and was informed that they did not have any proof. I requested that it be removed and disputed with CRA 's for removal.

Company response to consumer: Closed with explanation