milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: I applied for and received a credit card from  Citi.  When I applied for the card, I added my son as an authorized user and informed the Credit Card  Company re presentative that he lived in my home state and we would be using the card to make purchases for a business venture to open a barber shop. After numerous attempts to use the card and having purchases declined, then speaking with  Citi fraud  department representatives to have it re-instated, I contacted  Citi ( in  writing and by phone ) and requested that they cancel the credit card as using it was a nuisance and constant disruption when contractors would show up to do work and the card would decline the purchase. I assured them that I have every intention of paying the card balance as I am very credit worthy. The representative from Citi told me that they would not cancel the card unless I agreed to speak yet again to a member of their fraud department and re-instate the card. To date, the card has not been cancelled as I requested. How can a credit card company force me to keep a credit card open?

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 10-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX University in XXXX XXXX, MI. My first loans were through AES and while I have XXXX other private lenders and XXXX federal lender ( XXXX total ) AES ( American Education Services ) has given me nothing but grief. I am recently unemployed and called them while my account was in good standing to hear my forbearance/deferment options. The person I spoke with told me XXXX of my XXXX accounts could be put on forbearance which would bring my bill to XXXX dollars less a month. I filled out all the paperwork as well as my co-signer and it 's been well over a month with no answer. I have called every week and each time I get a different answer. First it was wait a while longer until it goes through. Now it 's nothing was ever processed b/c you have no forbearance available. So obviously I was told wrong information at the beginning, have been run around in circles, and now I am 2 months late and they are hounding me every day. I have busted my back to work with them and figure this out and this is definitely not the first time I 've had issues with them. They are rude and give me the run around. They are by far the worst loan company I 've ever had the displeasure of working with. Thanks for any help you can offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian is taking too long to send disputed results.

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 04-01-2016 about Credit card () with CITIBANK, N.A. (ME).
Issue: Delinquent account

Complaint: On XXXX/XXXX/XXXX I paid my Macy 's American Express card on time in full {$250.00} at the Macy 's store in XXXX, ME. I had tried to pay for weeks online, but the website was not working, nor was the phone payment feature and I could not get a representative despite calling multiple times for weeks, being put on hold for over an hour and then being hung up on. On XXXX/XXXX/XXXX I received a letter saying my account was overdue. For almost two weeks I tried to get through to customer service. On XXXX/XXXX/XXXX @ XXXX I spoke with XXXX who said the payment of {$250.00} was accidentally credited to my Macy 's line of credit not the American Express Line. Keep in mind I was receiving no paper statements and the Macy 's website was not working. XXXX verified that the payment was made on XXXX/XXXX/XXXX and applied the payment to the correct account ( American Express ). She also said she waived the late payment charges and interest. She also confirmed that she had closed both accounts and would send written verification ( she confirmed my address ). I never received written confirmation that the accounts were closed and my Macy 's line of credit remains open. For months I have been receiving calls ( 4-5 per day ) from a XXXX number leaving vague messages about a Macy 's American Express business matter. I looked the number up and it was reported as being phone fraud. In fact when you answer and actually get a live human the first thing they say is " tell me your account number. '' Just in case, I called and checked my account which said I had a XXXX balance. I have not received a paper statement from Macy 's for over 6 months and the last online statement available is from XXXX XXXX. Frustrated with the calls I called the Macy 's number on XXXX/XXXX/XXXX @ XXXX PM ) listed on the Macy 's website which went right to collection services. Collection services verified with Macy 's that on XXXX/XXXX/XXXX when I called the correction was made to my American Express Account, but the representative forgot to waive the late payment and interest fee. They transferred me to Jazz at Macy 's. She removed the charge of XXXX ( {$37.00} late fee x 5 months ) and said it was effective today. Jazz advised me to check with Macy 's credit services about the negative rating on my credit report.

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 06/24/2015 about Credit card () with DISCOVER BANK (NJ).
Issue: APR or interest rate

Complaint: Discover is applying payments in excess to the minimum payment primarily to the balance with the lowest APR instead of the one with the highest APR per the Cardmember Agreement. I would have chosen to apply the payments to other balances had I known that Discover was not going to abide by the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I deposit cash into my Wells Fargo Debit card account to purchase 2 airline tickets authorized on XXXX XXXX, 2017. $ XXXX/ticket totaling {$1900.00}. I fly and return home. I observe the posting in my debit card account and receive email confirmation and all went well at airport. XXXX XXXX, 2017, I see Wells Fargo post 2 new {$980.00} transactions and for the first time in my account history, my debit card balance goes negative. I disputed with the fraud department but because Wells Fargo says the passenger tickets match my passenger names, they wo n't remove the charges.

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 11/29/2016 about Credit card () with U.S. BANCORP (MT).
Issue: Credit card protection / Debt protection

Complaint: I called the hotel, XXXX XXXX, possibly XX/XX/XXXX, to reserve a block of rooms for my son 's soccer team who was playing in a tournament in XXXX, MT on XX/XX/XXXX-XX/XX/2016. They gave me a block of XXXX non-smoking, double rooms for $ XXXX/night plus tax. The rate of the room was {$82.00} per night. When I made the reservation, they did ask for my credit card to " hold '' the rooms. In addition, we agreed that any unused/reserved rooms would be released on Friday, XX/XX/2016. I asked a couple of different times before hanging up with them that the unused rooms would be released so that they would be able to have them available for other customers. There was nothing in writing confirming this, only verbally from the clerk who took my reservation. 
I checked in to the XXXX XXXX on Friday, XX/XX/2016 for check out on Sunday, XX/XX/2016. At that time, the front desk clerks did not mention anything to me about possibly charging me for the unreserved rooms. In fact, nothing was mentioned about the unreserved rooms at that time. I paid for my room, XXXX, for the two nights for a total cost of {$160.00}. 
When I got back to the hotel after XXXX on Saturday, XX/XX/2016, a hotel clerk asked me if anyone has talked to me about the unreserved rooms and being charged for those unreserved rooms. I told her at the time that I was told XX/XX/XXXX, that any rooms not reserved by Friday, XX/XX/2016 were to be released. She said that she would talk to her manager and get back to me that night. No one contacted me for the rest of the night. 
When I was checking out Sunday, XX/XX/2016 no one said anything to me about charging me for the XXXX unreserved rooms. I believed that the issue was resolved and that the rooms that they wanted to charge me for were then used for the night of XX/XX/2016. 
The documentation that is listed under Case # XXXX is the amount that I agreed to pay in the amount of {$160.00} and you have the same copy I have for the receipt, registrations, and bill given to me when I checked in on Friday, XX/XX/2016 at XXXX. However, under the same case number, there is an additional charge for {$82.00} which I did not give permission to charge my credit card for that amount. 
When I further look at the documentation sent regarding this matter, the XXXX XXXX is using the credit card slip I did sign for in the amount of {$160.00} for room XXXX for the additional rooms. I did not give them permission to use the credit card for the other rooms. 
I have documentation from XXXX XXXX XXXX that the hotel gave to XXXX XXXX XXXX in where bills for various rooms that were unused by myself, but there are no signatures giving my consent to use my credit card for those other rooms. How am I able to send that additional documentation to you for review?

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 07/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In 2004 the for-profit college XXXX XXXX XXXX XXXX and XXXX scammed me. I intentionally misled first by the recruitment department and then by the financial aid department. When given the sales pitch of what the institution offers, the recruiter failed to mention that the institution lacked regional accreditation, which I later found out meant my credits were non-transferrable. To add insult to injury, the financial aid department led me to believe that any unspent loan dollars would carry over to the next semester, which in essence would mean that the maximum loan amounts would not be taken out each semester. It was n't until I completed the program, that I later found out the maximum loan amounts had been taken each semester ... even the semesters I had not spent the entire loan amount and once the recruiter resigned from his position, he later called everyone he recruited to inform them of the lack of accreditation. What confused me most was during the exit interview when I was informed that my loan amounts exceeded the program cost. When I asked how that was possible even with me receiving XXXX grants? I was told to be grateful for what I owed because some students have left the exit interviews in tears once they were told what they owed and the exit interviewer also explained that they were told by other students that financial aid had provided them with misleading information as well, but still I was not given an answer as to how this matter would be resolved. Now here I am years later required to re-pay student loans on a degree I could not utilize, forced to start my academic studies completely over as a new student because employers deemed my degree worthless and the credits are n't recognized by the regionally accredited institutions. Any assistance with resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Vehicle loan or lease (Loan) with CarFinance Capital LLC (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I financed a vehicle with Car finance which was taken over by XXXX XXXX which they repossessed in XX/XX/2017. When they repossessed the vehicle they didn't give me any notice immediately after the repossession or receive notice before the vehicle to be auction or provide me with a statement regarding the sale of the vehicle which I had the right to know. I contacted them several times on this matter an has never received notice on this matter. I see in my credit report where the vehicles is listed with Carfinance in collection for 60-90 days late with an balance of {$16000.00} an also listed in my credit report with XXXX XXXX XXXX  collection charge off with an balance of {$16000.00} I don't think this is fair how they are reporting one car with two different company with two different amount owed. They are using unfair credit reporting action to me. They didn't respect my rights in repossessing the vehicle by informing me of their intention of just selling the vehicle an not giving me the opportunity to get the vehicle back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Delinquent account

Complaint: I am filing a formal complaint against FIA Card Services. I enrolled into their XXXX Program in XXXX XXXX, XXXX and completed it on XXXX XXXX. Upon enrollment, I was advised that this negative account would be deleted from my credit report upon completion of their program. The creditor did not uphold their verbal agreement. It should read for the XXXX XXXX my credit limit was {$11000.00} and the word high balance should be omitted. On my credit report, it clearly states that on XXXX XXXX, my balance : {$4500.00}. The XXXX program was {$210.00} a month. The creditor merged with Bank of America and my agreement was forgotten. I have tried to access my online account to obtain my online statements but the creditor XXXX my access upon completion of their payment program. Fortunately I was able to retrieve my original Special Repayment Letter along with my paper statement from XXXX. I entered into another payment program with another creditor during XXXX, and they removed the derogatory item from my credit report once it was settled. 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 explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Disputed the following accounts with Equifax in which I either did not receive a response or the information was not updated to reflect correct information on my credit report. I filed a complaint with CFPB in which Equifax provided a response which did not reflect the correct information on my credit report. The following accounts were disputed - XXXX XXXX ; {$4400.00} ; CHARGE-OFF. ( Account Paid in Full ) Still on credit report after Equifax reported to CFPB that the account had been removed. ( See Attached ) - XXXX XXXX ( See Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Other transaction problem

Complaint: 1 On XX/XX/XXXX I made an International transaction from XXXX XXXX XXXX to Bank of America to a beneficiary account for XXXX 2 Despite a delay, Bank of America confirmed the deposit of monies. 

3 This money according to BOA was paid into Beneficiaries account. 

4 Beneficiary Confirmed the money had not been paid into account. 

Lots of emails correspondence to date. 

5 I asked for my money to be credited back to my account 3 weeks ago and to date no action 6 XXXX XXXX XXXX claim money left XXXX - I have an audit trail of this. 

Bank of America claim money in beneficiaries account. 

Beneficiary no knowledge of monies either in account or statement. 
Bank of America trying to contact beneficiarys to return monies unable to do so without their consent. 

Both Banks seem to have decided they have done their bit Can you help please seems a very fragmented process with no clear way to a solution and return of my monies.

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 01/18/2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX IS REPORTING FALSE AND UNVERIFIABLE INFORMATION TO MY XXXX CREDIT FILE.

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 12-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2016, the borrower 's loan servicer, Nationstar, approved him for a trial modification. That trial modification commenced with a XXXX XXXX, 2016 payment. The borrower made all payments under the trial modification, and on XXXX XXXX, 2016, Nationstar approved the borrower for a permanent modification. The borrower executed the permanent modification agreement and mailed it to Nationstar on XXXX XXXX, 2016. On XXXX XXXX, 2016, that permanent modification agreement was delivered to Nationstar. 

On XXXX XXXX, 2016, the borrower mailed a qualified written request ( " QWR '' ) to Nationstar, which was delivered to Nationstar on XXXX XXXX, 2016. In that QWR, the borrower requested the fully executed copy of the permanent modification agreement ( i.e., the copy executed by both the borrower and Nationstar ). Under XXXX Nationstar is required to provide the borrower the requested documents and information within 30 days of receiving the request. However, to date, the borrower has not received the fully executed copy of the permanent modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This fraud company IQ Data International is falsely reporting an debt on my XXXX credit report. It 's been verified that the social on file is n't mine, I 've sent requested documents and still they refuse to remove it off my credit which is against the law. I 've spoken to rude agents such as XXXX XXXX and XXXX those XXXX are rude and speaks to you in a rude manner. They have used " scare tactics '' and threatened me on several occasions which is a violation. I 've asked to speak with the CEO XXXX XXXX and the reps most recently XXXX claims to not know how to get on contact with him. I 'm at my wits end with this situation and the illegal things they are doing. I 've gotten in contact with an Attorney Genrral and at this point I am ready to seek legal action against them.

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 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My Bank of America credit card statement period closing date was XX/XX/XXXX, I completely paid off the balance on XX/XX/XXXX ( 2 weeks prior to the closing date ), but they still charged me interest for the period, even though the credit card agreement says if the balance is paid off before the statement closing date there will be no interest charged. I called customer service and they are saying that that only happens if the balance was paid off for the last 3 statement cycles, witch doesn't make sense.

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 03/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Someone opened several credit cards under my name. XXXX XXXX appeared twice on my credit report. I disputed the items and XXXX XXXX sent a letter indicating they removed the items from my credit report. 2 weeks later I received a letter from XXXX XXXX stating they sold the account to XXXX XXXX and I would have to follow up with Portfolio Recovery. I called XXXX XXXX and they have been impossible to obtain information, I then submitted the dispute with the credit bureaus and have not received any assistance on removing inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, 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