milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I submitted this complaint back in XX/XX/XXXXand never heard anything from CFPB. I even called on several occasions. 

In XX/XX/XXXX a Sears representative came to my house to do a presentation to install ( 6 ) windows ( 1 ) entry door and ( 1 ) patio door. The presentation went well and all the paperwork prepared and my credit was ran through their ( Sears ) credit company. Everything went through and I was told my monthly payments would be extended out to avoid hardship and the monthly payments would be some where around {$140.00}. The first bill came in at {$3900.00} no interest charged ; which was explained at the time of purchase ( XX/XX/XXXX ). Mine you the contract to purchase the windows and doors were {$13000.00}. The first payment paid was {$80.00} on the {$3900.00} which should have been applied to the first invoice. All payments are paid at the Sears store in XXXX, MD. The second payment made was {$280.00} and the third payment was {$270.00}. It 's a mess.The XX/XX/XXXX invoice came in with a payment due of {$370.00}. Without my knowledge Sears ran my credit a second time through Citibank. I was never told the first pull was unsuccessful. I was billed for two separate purchases when only one purchase was made. I tried talking to Sears and Citibank as I was willing to pay the {$270.00} a month but they did not want to hear that or negotiate a lesser payment. Citibank wanted their {$370.00} monthly payment. I called Sears and was told since Citibank had paid the purchase amount in full Sears had nothing more to do with it. They washed their hands of the situation. I think Sears goal is to reel in their consumers through their promotions, run the consumers credit through their credit company and even if the consumer is approved through their credit company Sears still will run the consumers credit through Citibank just to collect their payment in full. Sounds like a scam in a great disguise. Very, very, very unhappy consumer.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Bank is reflecting on my credit report. This account has not be properly verified according to law. Also this account has been on my credit report more than seven years. And it is still reflecting on my credit report. The original first delinquency showed XXXX XXXX and now shows XXXX XXXX. Which is fraud to try and keep this on my credit report. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this card. And they are still allowed to have this on my credit report. That is AGAINST THE LAW!

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 Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is in response to CF PB Claim Number   XXXX .     In the original CFPB claim  XXXX , I stated I did not owe any debt and that I wanted to contest. I said I had aske  d Transworld for an itemized invoice but they did not provide one.
It seems Transworld responded by sending another invoice that IS NOT itemized. I will not pay an invoice that is not itemized, especially if I have never done business with Transworld or the debt they are allegedly trying to collect in the place of    XXXX . I have not used  XXXX  in recent memory.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient illegally placed a returned payment towards my student loan account stating that there was insufficient funds in my checking account on XXXX XXXX, 2015. After contacting my bank, my financial institution verified that there was no XXXX transaction placed in the amount of {$250.00} towards my checking account from Navient. And now, I am receiving harassing calls stating that I have not made a valid payment towrd my student loan account. In which the the payment was made on XXXX XXXX, 2015, via the Navient online payment site.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS. I have contacted Herbert P Sears Co at XXXX XXXX XXXX XXXX CA XXXX the collection agency for the Original Creditor : XXXX at XXXX XXXX XXXX XXXX XXXX, California XXXX, both by Certified Mailing on XXXX XXXX, XXXX regarding account # XXXX. 
HP Sears, to this date, has failed to submit a response to me. 
This account is not mine. I had FULL Benefits Medi-cal at the time I and my family ever had service done with XXXX XXXX and since XXXX when HP Sears have said these debts were incurred, I had XXXX. These are not my debts and HP Sears refuses to show me proof that these debts are mine. I know this is a common practice for HP Sears via XXXX to ignore any and all " Dispute Letters '' from any and all consumers, as I have come across many consumers with the same false reporting tactics that HP Sears has filed with all XXXX reporting agencies. I also am aware that this is a common practice for this company to not comply with FTC, FDCPA and FCRA. These companies just do NOT care. 
Please see the letter attached to HP Sears. I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. HP Sears never wrote me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Mortgage (VA mortgage) with Stearns Ventures, LLC (NV).
Issue: Trouble during payment process

Complaint: MY VA HOME-LOAN WITH XXXX VS XXXX XXXX XXXX : REFUSED TO FOLLOW VA LOAN PROCEDURES AS FAR AS : NO CLOSING COST, TAX-EXEMPTION SINCE, I AM XXXX XXXX   XXXX VETERAN. PLUS ITS A SINGLE STORY HOME, NOT A TWO STORY HOME. AMONG OTHER UNSCRUPULOUS CONDUCT DEEMED TO BE BIAS AND DISCRIMINATION AGAINST ME BEING A XXXX FROM THE " U.S.TERRITORY '' OF THE XXXX XXXX XXXX. I ADDRESSED THIS ISSUE TO THEM SEVERAL TIMES, AND THEY IGNORRED ME TOTALLY. AS WELL AS THE STATE OF NEVADA ACCORDING TO TAX STILL ADDING TO MY ESCROW STILL. DEEMED TO BE IN VIOLATION OF MY CIVIL LIBERTY RIGHTS, AND, Fundamental Right : been violated by the state of Nevada, as well as XXXX XXXX XXXX, for refusing to remove the tax exempt from my Escrow payment ever since. Due Process Clause of the Fourteenth Amendment substantive due process under ( DUE PROCESS ) : STRICT SCRUTINY. WHICH MATTER LEFT ME AND MY WIFE OUT IN THE DARKNESS AS CITIZENS OF THE UNITED STATES OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Non-federal student loan) with Ability Recovery Services, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was put on an account with XXXX college. I was sent a collection letter from Ability Recovery Services. After multiple attempts to get this taken care of through both the college and collection agency. I have gotten nowhere. I have gotten cursed and hung up on by the collection agency. I have also been hung up on repeatedly by the the school itself. This is not my account. I finally spoke with XXXX person at the school that agreed to send me an email stating that my name would be removed from this account. Months later It is showing on my credit report. I disputed this with the collection agency and never heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit card protection / Debt protection

Complaint: I am a former Amazon.com ( GE Capital/Synchrony ) credit card holder. When I received the credit card, I was signed up for the Card Security protection program. After several months of having the card and making timely payments, I was laid off and unable to make substantial or timely payments after exhausting my unemployment benefits. Thus, the card was sold to a 3rd party collection agency despite me having this credit card security protection program in place. I am now being sued by a collection firm for the outstanding balance and legal fees. Is there any sort out of assistance for someone in my situation? I know about 2 years ago the CFPB found GE Capital Retail Bank/Synchrony Bank, Case XXXX, in violation of certain consumer protection acts. Any advice?

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 01/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo agreed to modify our loan if we paid {$29000.00}, via XXXX XXXX XXXX money transfers. We wired the funds, Wells Fargo confirmed receipt of the full {$29000.00}. Then lost XXXX of the transfers and then did not honor the modification. We have been fighting with them since then. We had to file for a new modification loan, they denied because we had XXXX modification already. While we are in review, and appeal of their decision, they filed foreclosured.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Advertising and marketing

Complaint: BAIT AND SWITCH. Barclays lured military members into signing up for a credit card by waiving the annual fee while on  XXXX   XXXX . Then once established as a customer they imposed an annual fee of {$1000.00}.

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 07/22/2015 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Shopping for a loan or lease

Complaint: I purchased a 2014 XXXX XXXX from XXXX XXXX XXXX in XXXX NJ. I originally planned to finance the car but they told me my payments would be almost $ 800/month. They said my payments would be less if I had a co-signer and if I did a lease and chose the purchase option at the end. I did that but my payments are still high at $ XXXX/monthly. I thought this was unusual for a lease but I did n't know any better. I thought with a lease my payments would be about $ 300/month. I also brought my diploma because they offer {$500.00} off for new college graduates. They switched my mother to the primary when she was supposed to be the co-signer and then said I would not be eligible for the {$500.00} credit because I was no longer the primary on the lease. I really need to know what interest rate I was charged because after reading about this settlement I now fear that I was ripped off on this purchase. They also charged me for a lot of things I did n't request like a key replacement fee, gap insurance coverage, excessive mileage coverage, etc. When I complained and requested that the unnecessary items be removed they said ok but it would n't change my lease payments. I was very confused but by then the 3-day grace period had passed and I was stuck with the car and the high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient would not offer income driven repayment plan while I was in medical training 6 years. My credit was harmed and loans mostly stated in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A hard inquiry is noted on my credit report from transunion that is fraudulent. XXXX   XXXX inquiry dated XX/XX/XXXX is fraudulent. They called me onXX/XX/XXXX and we agreed it was a fraudulent application. XXXX  XXXX has told me that they notified all three credit bureaus. It is now XX/XX/XXXX and this inquiry still has not been erased by Transunion

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 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year 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 non-monetary relief
Consumer complaint received 08/19/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: I APPLIED FOR A BEST BUY CREDIT CARD WITH A LIMIT OF {$4000.00}. I WAS THEN GIVEN PAYMENT TERM OF 48 MNTS WITH 11.9 % APR OR 24 MNTS WITH 0 %. A BEST BUY REPRESENTATIVE ASSISTED ME AND ACCIDENTALLY SIGNED ME UP WITH THE 48 MNT PAYMENT TERM WHERE I WILL BE PAYING 11.9 % INTEREST ON PAYMENTS WHICH I WAS UNAWARE OF. I SPECIFICALLY ASKED THE INDIVIDUAL FOR THE 24 MNT PAYMENT TERM. ALL OF MY PAYMENTS ARE CONSISTENT WITH A PAYMENT TERM OF 24 MNTS OR LESS. I WILL THEREFORE BE PAYING INTEREST IN EXCESS OF {$500.00}. I HAVE BEEN GOING INTO BEST BUY AND ASKING THEM TO CHANGE MY TERM AND THEY ARE SAYING THAT THEY CAN NOT DO IT. I ASKED CITI BANK TO DO THE SAME AND THEY ARE SAYING THAT THEY ARE UNABLE TO CHANGE THAT INFORMATION. I AM NOW OUT OF OPTIONS

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a bankruptcy listed in my credit files that Transunion is reporting which is inaccurate and incomplete. The XXXX XXXX requires that the credit agencies provide mechanisms to ensure each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the XXXX XXXX XXXXXXXX and XXXX stating that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy on file for me. Yet Transunion keeps telling me they have verified it with XXXX and I know that they are not investigating my case.

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 card or prepaid card (General-purpose credit card or charge card) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This is a XXXX XXXX card, and we redeemed on line for XXXX earned points for 3 {$100.00} XXXX e-gift cards, with the codes supposed to be delivered within 3 days by email. This was a Saturday XXXX/XXXX/XXXX and when the codes did n't come within a day - which they have before- we called XXXX customer service and rewards # s on the website. There was no option to email. We were told it could take through til a business day, which would have been XXXX, for the e-codes to be redeemed. We waited until Wed XXXX/XXXX/XXXX, about XXXX CST, to call again at the number listed and were told that rewards is closed, on a week night, and no one can help us - no supervisor available and that XXXX customer service can do nothing. The rep on the phone also said she was the only supervisor for XXXX that I could speak to, and that there is no one else. 
My complaint is this -- poor customer service that in redeeming rewards, there is no one to speak to during the business week, outside of normal business hours. XXXX CST is ony XXXX PST and even earlier elsewhere in the world. How can customers have no one to speak to, when more than {$300.00} in rewards is outstanding and no one provided any service. 
We plan to close this card as soon as all the rewards issues are resolved and all redeemed. XXXX is supposed to be a premium card- they should always, always have rewards redemption help available and an escalation process to submit an issue. Not acceptable for a fee based card.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX , Experian to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent.
<P/>
 XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX    accounts   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX I checked my Equifax report ( XXXX see attached ) and noticed an account called XXXX XXXX Account # XXXX, which is furnishing information which is erroneous on my credit report. I then contacted XXXX by letter dated XXXX which I 'm attaching to this complaint. I filed the dispute with Equifax on the account but Equifax claims they verified the information. If you notice in the attached report, the information attached to this account is woefully insufficient. There is no scheduled payment amount, no actual payment amount, no amount past due, no balance amount, and most importantly no date of last activity. How can Equifax be publishing information that is negative to my credit from a company that supplies almost no information related to the account. This is a violation of the FCRA. I dispute this account in its entirety and want it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We were near the end of an insurance claim with our previous mortgage company when our mortgage was transferred to Rushmore. When we finally had the additional documents and estimates ready, we sent the checks and all supporting documentation to Rushmore.     After weeks of emailing and calling trying to reach the loss drafts department, we got the init ial 1/3 pay ments processed to the contractors that we needed to do the work. The work was completed ov er 2 we eks ago, and we have requested the inspections and payments processed for the completed work.     After sending emails and calling leav ing Voice Mai l for our Loss Drafts contact, i have received no response from  Rushmore.  Furthermore, the contractors have been calling me for updates on payments. I was provided a " direct number '' to our loss drafts contact by customer service which we used several times to leave voicemail for our contact. That number has stopped working, and now they are telling us that " there is no direct number '' and they " ca n't transfer my call '' - which is contrary to information in complaints on this website.     In addition to the lack of communication from Rushmore 's loss draft department, they also neglected to inform us that our payment had increased to " cover escrow shortage '' and if we had not been calling them almost daily, i would have made my first late mortgage payment in nearly 20 years of homeownership.     This claim has already been going on since  XXXX  of  2016 due t o delay in the insurance settlement process, and these delays have already caused several thousand dollars of additional damage to the property. Rushmore 's claim that " their policy and procedure is for my protection '' is completely false as their delay is preventing repair of the property, risking additional damage, and, if our contractors are not paid from the insurance settlement that Rushmore is in control of soon, financial hardship for my family if we are forced to settle these accounts with our own funds.

Company response to consumer: Closed with explanation