milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Credit determination

Complaint: On XXXX XXXX I received an email fro XXXX XXXX that I had a delinquent account. I found out from their web site that the account was with THD/CB, which means The Home Depot / CitiBank. 
Home Depot Credit said the XXXX statement was returned to them by the post office. No attempts were made to contact me at all., I asked why, and the supervisor told me they do n't, legally, have to do it. They said they blocked my account and that if I had gone into the store and tried to charge something I would have known that. I do n't, very often, shop at Home Depot. 
While on the phone with the supervisor I paid the balance of my account, {$130.00}, and figured everything was OK. I asked them to remove the delinquency from my account and they told me they would not do that because it was not the bank 's fault the payment was late.I wonder how long it would have been if XXXX XXXX had not notified me of the problem. 
We spend half the year in XXXX and the other half in XXXX, I always fill out the " change of address '' form at the post office, that rarely works smoothly. But I received and paid my XXXX, XXXX, and XXXX bill from Home Depot Credit. 
I have NO idea why XXXX 's bill was returned to Home Depot Credit, and they wo n't prove to me that it was. 
I have since talked to many of their " supervisors '' as well as all three credit reporting agencies. They have contacted Citi Bank to see if they could change the status of the delinquency, but they refuse saying it was not the banks fault and I should have been paying on that account even though I was NOT receiving any monthly statements. 
I was told by one supervisor that they do n't have time to " chase down '' everybody that 's late paying their bill. Another told me it would take " a skyscraper full of people '' to contact people who have problems with their account. This ca n't be true because 3 yeras ago Sears Credit, also handled by Citi Bank, called me via robot computer and told me to call customer service about my account. I do n't recall what the problem was but it was solved then and there, they said they reach out to their customers as soon as a payment is late. 
I called 4 other credit card companies, and they said the same thing, but not Citi Bank. It seems as though they are just trying to cover up some mistake they made, the did send me a check for the late fees that accrued. 
I now have a " black '' mark on my otherwise perfect credit reports of about 40 years. This is devastating to me because I 'm real proud of my credit history, now it 's messed up because of this mess. 
I 've contacted a Consumer Law attorney to see what my options are and I 'm not going to give up until CitiBank corrects their mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I made extra payments of {$1300.00} ( towards principal ) in XXXX, XXXX, and XXXX. I noticed on XXXX XXXX, 2016 the extra payment in XXXX was never applied, so I called the mortgage company ( Stearns Lending ) to apply the payment. On that date my principal balance was {$160000.00}, which should have been {$1300.00} less from the payment they did n't apply in XXXX. They told me this would be resolved by XXXX XXXX, which it was not. Today, the mortgage company tells me the job is closed and I now have a principal balance that is higher than my principal balance on XXXX XXXX, 2016. My payment history report is so full of red from all the reversals that I do n't understand the report. The financial advisor was unable to explain to me as well what they did without another full detailed research. I 'm minus {$1300.00} ( possibly {$2600.00} after an attempt to read through the payment history report. 4 - {$1300.00} in black and 3 - {$1300.00} in red, which leaves me to believe that out of the 3 extra {$1300.00} only one has been applied since all the reversals ). The mortgage company considers this matter resolved and I do not.

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 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: According to Citi, my Visa card provides a 3 % cash reward for charging travel purchases. 
On XX/XX/XXXX I used the card to pay XXXX {$3500.00} plus on the same date another {$6300.00} to XXXX. Both received the appropriate 3 % reward. 

But on XX/XX/XXXX I used the card to make 2 payments to XXXX for {$4300.00} and {$14000.00}. These were allowed only a 1 % reward. This results in a loss of about {$400.00}. 

When I called Citi on XX/XX/XXXX, I was told that this change is controlled by the merchant ( XXXX ) using a code called XXXX and that Citi can not change it. So I called XXXX and learned that the bank issuing the card assigns the XXXX, not the merchant. XXXX also said they have received numerous complaints from customers who follow the rewards promise/incentive to buy their travel packages using cards that promise higher rewards. 

So I called Citi again and the excuse that " the merchant controls which XXXX is to be used '' was repeated. The XXXX used last XXXX was for XXXX was 4722 = travel agencies. InXX/XX/XXXX Citi says it has been changed to 7991 for XXXX XXXX attractions ( other purchases category at 1 % ). [ I think Citi made the change to avoid giving customers the full 3 % reward. ] The Citi reps all claimed this change was made by XXXX. I was offered {$100.00} to compensate me for the inconvenience. I refused and said I thought I should pursue legal advice. The rep warned me that the card agreement permits Citi to change rewards at any time for any reason and that all disputes are settled by arbitration. 

Lesson : Beware of the bait and switch. If you use one card over another because it has higher rewards, you should check the XXXX assigned to your merchant first.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   )  I was never late on these accounts and should not have any late paymetns.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.

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 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, 2017 I made a payment online with my Wells Fargo mobile app to my secured card. I made this payment mid morning Eastern standard Time on the Friday. Wells Fargo states that payments made before midnight Pacific time will post to the account the date made ( paraphrase ). I called on XXXX XXXX, 2017 at XXXX XXXX to see why my payment was n't posted and they told me that it was n't there and I had to wait for their system to update in 1 to 3 business days. There system never shows the pending payment but shows it in posted so they do n't allow them to push the payment through. This causes delays in using my 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 06/24/2016 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: I recently opened a savings account with Navy Federal Credit Union and was NOT told that they would perform a hard credit check as part of the process. I later found that the credit check release was in the account paperwork and they did not inform me that they would be doing a credit check. I found this highly deceptive and has impacted my credit score.

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 04-11-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED O N MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 10/13/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: Was offered an extension and was advised by a rep that it would be processed within 24-48 hours. Now speaking with a manager it has been several days since I was told that and now my extension still hasnt been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My interest rate and minimum payment has increased over time, without my knowledge. Only increasing when I started utilizing my credit card. I have called  Capital One  to explain when I signed up I was suppose to have a lock in of  XXXX  minimum, they told me I use my credit card too much and that is why I have an increase in interest and minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my social is correct. Most of the addresses are correct. what stands out to me is there is XXXX addresses that I have never lived that are on there. XXXX looks like a business address. I have never lived in XXXX nor XXXX. How could they be linked with my social security number? The times overlap the real times on the real addresses. I did have my purse stolen around 2009. But it just worries me that my social would be linked to those addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Fraud or scam

Complaint: For whom it may concern, I did a money transfer from United States to XXXX, bank account to bank account transfer ( XXXX XXXX XXXX to XXXX ) on XXXX XXXX, 2015. 
I contacted the receiver in XXXX on XXXX XXXX, 2015, he still have n't received it yet. I contacted Western Union, and provide them my receipt and transaction tracking number which is XXXX, ask them to help me to tracking the transaction. However the custom services in WU told me, they do n't know where does this money went to, and this transaction is not in the system at all, they need to renew the transaction in XXXX to XXXX hrs. I waited until XXXX XXXX, 2015, nothing happened, I called WU again, after being transferred XXXX to XXXX times, they told me they have to renew the transaction again in XXXX to XXXX hrs. again. Since WU lost my money in the transaction for a month and without notifying me, and when I contact them they just have no reaction at all, which made me think WU has some fraud or scam issue, I lost confidence and patience with WU. I had to make a transfer through XXXX XXXX XXXX, which spend another {$300.00} along with {$35.00} transaction fee, in order to make it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my Equifax, XXXX and XXXX reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Credit card) with URS Holding, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.

Company response to consumer: Closed
Consumer complaint received 01-12-2017 about Debt collection (Medical) with CB1, Inc. (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from a debt collection company dated XXXX XXXX, XXXX ( attached ) stating I owed their client {$160.00} before penalties. When I added the alleged amounts up, it only came to {$81.00} and I disputed everything in a letter dated XXXX XXXX, XXXX ( attached ) and requested information to prove the alleged debt. I received a response back from the debt collector dated XXXX XXXX, XXXX ( attached ) showing even more alleged debts and adding up to the original {$160.00}. They stated they would get me the information I requested. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call from the debt collector. They stated, " If I want the detailed information, I would have to contact the original creditor myself. '' In other words, the debt collector does not have the detailed information and can not provide it to me. They 're only going on the word of the original creditor the alleged debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Installment loan) with Westlake Services, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit card or prepaid card (Payroll card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: In XX/XX/XXXX I was going to bank of America to withdraw my money it was on a friday when I noticed it only had a few hundred on it. I then drove back to my job because i thought i did not get paid all of my money but no one from downtown who handles payroll was there due to holidays .Thats when I asked one of my coworkers werent we suppose to have gotten payed today they stated we got payed the day before which i did not know but that still doesnt explain why I did not see the amount I saw on my paystub.So I called the bank of america hotline and thats when they stated I removed {$720.00} dollars using XXXX at first I thought it was a city, so I searched XXXX.First I asked Bank of America to cancel the card and any thing that look unnormal, on the card was still the 300 and something dollars from when i got paid .Thats when I saw XXXX by the name while I was searching and then I noticed messages I did not send and it was from someone in XXXX asking XXXX to send it to the address they posted for XXXX .I then quickly saw that the order had not been processed so I messaged the XXXX   person/people to cancel the order that was not XXXX XXXX that made the purchase and I noticed another order for some head phones and canceled those as well .I copied the address, page, the items, and everything with the claim number on it and faxed it to Bank of America and showed them the fraudulant act .After I then filed a police report and filed an identity theft report as well .I faxed the police report to them and Bank of America stated it looks like you were the one who ordered it because of my information on my XXXX account my name my address and info .As I was told by Bank of America if there is no name to go by there is nothing else that they can do, so they charged me XXXX after they credited me the money, because they had no one to go by .Thats when I tried to go to XXXX and open a bank account, so that I can finish the dispute with Bank of America with out using their service due to how I was treated and to take further actions and also to build credit.Thats when XXXX stated that my social security number had an account with them but not my name and was made in XX/XX/XXXX, so they gave me an Identity theft packet to go threw and procedures and I completed it.So Im trying to figure out a way to just get my money back that was stolen from me using XXXX on XXXX threw a Bank of America paycard that was not even connected to my XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with UNITED SECURITY FINANCIAL (GA).
Issue: Loan servicing, payments, escrow account

Complaint: United Security Financial is the most deceptive company I have ever dealt with. I have had to contact them about XXXX times in the past XXXX months. Seldom do I get a call back, never do I get a voice mail, they blame there sub-servicing company XXXX XXXX and have me contact them directly. My latest issue is that I paid my XXXX XX/XX/2015 payment on there web site over a week ago ( XXXX ) and yet it does not appear as paid online and the money has not be drafted from my credit union. I called USF and talked to XXXX XXXX on XXXX to inform them of the problem. He indicated he would look into it and get back with me. XXXX days later I have not heard a thing. I submitted an online request asking to have it looked into ( on XXXX ), and no response. This is the pattern for this company which is why I am issuing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hi there! I recently returned to school for a XXXX XXXX degree - study began in XXXX of XXXX and concluded in XXXX of XXXX. In the summer of XXXX, I spoke to Navient customer service professionals and set up an Educational Deferment. Those Navient representatives made it clear that no additional interest would accrue on my loans while I was back at school, that my automatic payments would be cancelled, and that no payment would be needed from me until the fall of XXXX. Today, when I logged in to make a payment to Navient, I saw that the information they gave me in XXXX was incorrect. While no interest accrued on my subsidized loan, my smaller, unsubsidized loan did accrue approximately {$250.00} of interest over the two year period. Had my automatic payments not been cancelled, but rather applied only to my unsubsidized loan ; had Navient given me correct information in XXXX ; or if they had continued to send me emails about monthly charges, then it would have been easy to continue payments towards the unsubsidized loans, or to pay them off in full. When I spoke to a supervisor at Navient today, she apologized for the bad information I had been given two years prior, but since I had been sent a letter with accurate information months after having spoken with their representative, said there was nothing she could do.

Company response to consumer: Closed with explanation