milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold account with an opening bonus of XXXX Thankyou points. But they refuse to issue the bonus to me when I meet with all requirements.

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 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had multiple types of loans upon graduation in XX/XX/1996. The loans were originally consolidated with XXXX XXXX into XXXX larger loan instead of a bunch of smaller loans. During a few years, there were deferments when I was out of work, etc, but once everything switched to navient, I cant check on my statements, etc. I did get in touch with them once about not being able to manage a XXXX a month student loan. They looked into it, and wa la! My payments went UP to XXXX a month. It 's killing us to make this payment every month, but navient is NOT willing to help in any way to figure out a better alternative, except for forbearance, which as we all know greatly increases the amount of money you owe. They are impossible to get in tougch with, and when you do, they are unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: XXXX XXXX XXXX has reported to all XXXX credit bureaus that I have a delinquent credit card account with them that I do not believe is mine. I have sent numerous requests for proof of debt according to the FTC guidelines and have asked that they provide me with something with my signature on it that I indeed applied and used this credit card. To date, all I have gotten from them are responses to the effect that this account was applied for online and that I made a payment on the account. Still nothing showing proof that this debt and all charges thereto are indeed mine. I contacted the FTC about this situation and they referred me to you for help with this situation. All I 'm asking is that I get written documentation of some document with my signature on it that proves this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home through XXXX XXXX XXXX XXXX in XXXX 2016 and it was immediately bought by Freedom Mortgage. Freedom Mortgage then failed to pay my supplemental property tax bill from my escrow account that was due on XXXX/XXXX/2016. When I contacted them to notify them of the missed tax payment and penalty assessment, they said to email them the documents and they would take care of it. They immediately paid the tax bill, but also paid the tax penalty from my escrow account. 

When I called to complain that the tax penalty was due to their failure to timely pay the tax from my escrow account, they said they were not responsible for the supplemental tax payment but made it for me as a courtesy. The supplemental tax bill was issued months before I refinanced by home and prior to Freedom Mortgage purchasing my loan. In short, Freedom Mortgage bought my loan, failed to pay my property taxes on time, and then said I was responsible for the tax penalty for their failure to pay my property taxes on time.

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 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On or about XXXX XXXX, XXXX I disputed XXXX Account # XXXX in the amount of {$2400.00} with Transuinion and on or about XXXX XXXX XXXX Transunion notified me that they had removed the information from my credit report. In XXXX XXXX I checked to verify that said negative information was removed and confirmed it was indeed removed. 

On XXXX XXXX, XXXX I discovered a XXXX Account # XXXX with the same amount of {$2400.00} and same dates had been re-inserted into my credit file in XXXX XXXX. The credit reporting agencies, TransUnion included, are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please have them delete this item immediately. 

This appears to be nothing more than an attempt by XXXX to simply change the account number to circumvent the reinsertion clause that requires verification of the debt as again, no history or other information has been provided to validate the debt and TransUnion did not verify that before allowing reinsertion and has not provided that to me as required. 
I have also opened a dispute with TransUnion as well. TransUnion # XXXX Respectfully, XXXX 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 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: ON APPROXIMATELY XXXX/XXXX/XXXX I REQUESTED, THAT THE TRANS UNION CREDIT REPORTING BUREAU. COMMENSE AN INVESTIGATION, OF WHY MY THEN XXXX XXXX AND LATER. XXXX, ACTIVITY HAD NOT BEEN REPORTED BY THEM IN MY RECORDS. BY TRANS UNION CREDIT REPORTING BUREAU, SINCE XXXX/XXXX/XXXX. WHICH RESULTED IN MY TRANS UNION CREDIT BUREAU FICO SCORE BEING REDUCED BY APPROXIMATELY XXXX TO XXXX POINTS. OVER THE LAST EIGHT MONTHS, BY TRANS UNION. WHO, ONE OF THEIR AGENTS ALLEGED TO ME, VERBALLY VIA MY PHONE CALL TO TRANS UNION. THAT TRANS UNION CLAIMED TO HAVE LAUNCHED AN INVESTINGATION. THAT I REQUESTED OF THEM, TO ASCERTAIN WHY? MY XXXX REPORTS TO THEM HAD STOPPED SINCE XXXX/XXXX/XXXX TO TODAY XXXX/XXXX/XXXX AND COUNTING. THE TRANS UNION AGENT I SPOKE TO DURING THE MONTH OF XXXX XXXX. ALLEGED THAT TRANS UNION HAD TRIED TO CONTACT XXXX FOR UP TO 30 DAYS DURING THE MONTH OF XXXX XXXX TO NO AVAIL E.G., TRANS UNION ALLEGED THAT XXXX NEVER RESPONDED. DURING THEIR ALLEGED 30 DAYS OF TRYING TO CONTACT XXXX. HENCE, TRANS UNION ALLEGED THAT AS A RESULT OF XXXX RESPONDING TO ANY OF THEIR ALLEGED COMMINIQUES? THAT TRANS UNION WAS BY THEIR POLICY, HAD TO COMPLETELY DELETE MY XXXX AND LATER XXXX CREDIT ACTIVITY ACCOUNT. THE TRANS UNION AGENT WHO CONVEYED THIS IMFORMATION TO ME VIA MY PHONE CALL OF COMPLAINT TO THEM. I ASKED TO SEND ME ALL OF HIS ASSERTIONS. IN A LETTER DOCUMENTING ALL OF WHAT TRANS UNION ALLEGEDLY DONE? DURING THE INVESTIGATION, I ASKED THEM TO ACTIVATE ON MY BEHALF. AGAINST XXXX AND XXXX. FURTHERMORE, THE TRANS UNION AGENT IN QUESTION, SUGGESTED THAT I CONTACT XXXX AND ASKED THEM TO START. THEIR OWN INVESTIGATION ON MY COMPLAINTS. WHICH I DID, BUT XXXX HAS GIVEN ME. THE RUN AROUND, THEY 'VE BEEN DECEIPTFUL, MISLEADING, THEY 'VE IGNORED ME, AND BASICALLY HAVE ABANDONED ME. NOW, I STILL WANT TO SEE MY TRANS UNION RECORDS. TO SEE, IF IN FACT THEY DID LAUNCH AN INVESTIGATION ON XXXX? AND IF WHAT THE TRANS UNION AGENT TOLD ME ABOUT THEIR ALLEGATIONS. OF XXXX NOT RESPONDING TO THEIR TRANS UNION ALLEGED INVESTINGATION IS TRUE OR NOT? AFTER ALL, TRANS UNION NEVER, GAVE ME THE COURTESY OF A DETAILED LETTER. VERIFYING THEIR CLAIMS OF THE INVESTINGATION. I REQUESTED OF THEM TO FIND OUT WHY MY TRANS UNOIN CREDIT FICO SCORE. HAD DROPPED BY XXXX, XXXX, XXXX, XXXX POINTS OVER THE LAST SEVEN ALMOST EIGHT MONTHS? AND WHO WAS RESPONSIBLE FOR THE NON-REPORTING OF MY XXXX CREDIT ACTIVITY? WAS IT TRANS UNIONS FAULT OR XXXX FAULT? AND IF IN FACT THIS MATTER, IS TRANS UNIONS FAULT? I WANT THEM TO ISSUE ME AN APOLOGY, PLACE IN MY RECORDS THIS GRAVE ERROR OF THEIRS, AND RESTART TO CORRECTLY LIST MY CREDIT REPORTS CONSISTANTLY, AND ACCURATELY AGAIN IMMEDIATELY. AND TO SEND ME ALL OF THE DETAILED DOCUMENTATION OF THESE MATTERS, VIA U.S.P.S.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have disputed a dental bill on my equifax credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a denture he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XXXX The estimated time for dispute under equifax web sight for investigation to be complete was XXXX XXXX XXXX. Checking the status of that dispute it was never completed by equifax. As of today XXXX XXXX XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XXXX XXXX XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XXXXXXXX XXXX and would like proof of current dispute that was denied was investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Credit card) with Lloyd & McDaniel, PLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: My sole source of income is Social Security XXXX. I have a checking account and a savings account which had approximately {$800.00} in it. Lloyd & McDaniel, LLC of XXXX, KY garnished my savings account, taking more than half of it to collect on a debt that they 'd already attached to my condominium as a lien. 
My fear is that they will try and attach garnishment to my XXXX income even though I believe they are not allowed to by law. I need to make sure they ca n't take anymore of my income from me. I told them when they contacted me that I could not make payments on the debt at this time and that I planned to sell my property this year, thus allowing them to collect what I owed. But this was n't satisfactory for them. 
I have read numerous other complaints about this debt collectors practices. I live on a limited budget and while I realize I owe a debt I ca n't have what little money I have just grabbed from my bank account. This hurt me very badly financially and I do n't believe it should be a lawful practice. Also my own bank attached a high fee to the garnishment transaction adding even more distress to the situation. 
I contacted Lloyd & McDaniel several years ago about this debt and they were nasty and rude to me and gave me no credence as far my explanation for my financial situation. They act as sharks toward people without ability to pay them.

Company response to consumer: Closed
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My mothers credit file ( XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX ) is showing a Chase Card, XXXX XXXX, XXXX, DE. XXXX, XXXX opened on XX/XX/XXXX when she was XXXX years old. On XX/XX/XXXX this account was closed, charged off with a balance of {$11000.00} due. With a Power Of Attorney I contacted Chase VP XXXX XXXX in their CRA department as well as numerous managers to validate the debt to no avail. Chase employees have repeated given me a facsimile line of XXXX to send the document in order to discuss this account. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this was done. Additionally A copy was sent to Branch Manager XXXX " XXXX '' XXXX of their XXXX, Ga. branch with no resolution. 

As of this morning I again talked with Senior Specialist XXXX? -XXXX and was told he would not be able to discuss this account. Chase has begun a deliberate and unlawful refusal to validate this account

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recieved a undated notice from Midland Credit Management on or about XX/XX/XXXX stating that I have a current balance owed to Midland Credit Management in the amount of {$3400.00}. However this debt was settled in XXXX County Florida XXXX Circuit Court on XX/XX/XXXX for {$2500.00} with a payment stipulation/ obligation for me to pay {$50.00} on or before the XXXX of every month until the entire amount settled upon ( {$2500.00} ) was paid in full. I have never missed a payment. On my monthly Midland Credit Management statement, received XX/XX/XXXX, the balance owed is stated as {$320.00} with a {$50.00} payment due by XX/XX/XXXX, which I have since paid. Midland Credit Management is deliberately trying to deceive me into paying a different amount by listing inaccurate payments and balances with the hope I expect to deceive me in to paying the wrong amount and therefore negating the court settlement agreement which would put me in default of the settlement and allowing Midland Credit Management to charge me with the original debt balance to paid in full. I believe this notice from Midland Credit Management constitutes deceptive practices, false information and harassment. Please be kind enough to enter a complaint on my behalf. - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing/Cancelling account

Complaint: I had a credit Card with Capital One making payments on time. The autorized user charged the card for a vehicle rental that was extended beyond the time. The bill ran up to {$1500.00} that was not avail on the card. The Capital One still approved the charge after I informed them that the charge was being paid in Bankruptcy. I made several request to deny the charge and reverse the charge. I submitted proof that the charge was being paid through bankruptcy and they ignored my letters and responded that my request was over 90 days which is incorrect. This charge remains on my account causing negative actions on my report. I was advised by the bankruptcy court that they should reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: In XXXX of this year I had my lawyer write a letter to Home Depot stating that their deferred interest program was misrepresented. They never said that the interest that was being deferred would be tacked on to the balance once the deferred period was over. They lead me to believe that I would only be paying interest on my current balance. My lawyer sent the first letter in XXXX with no response and then sent the second letter in XXXX of this year. As of today we still have not received a response from Home Depot. I would like this resolved. How can they be able to do this to people and then not even respond.

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 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: on XX/XX/XXXX. I found a phone payment on my bank of America I did not make. This happened after I was issued a new card because of breech ( happens frequently ).

I talked with several people before getting. round. it took several more calls to start a dispute. No one could explained how a phone payment was made on my account. 

I am waiting for the dispute process to be completed. 

On XX/XX/XXXX. I found another charge for return check fe, because I stopped the payment I did n't make. I had to call and get it reversed. 

Bank of America seems to try and charge customers any way they can.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom this  may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017 and  noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources that were listed. I have no knowledge of these unauthorized inquiries and I am therefore seeking for the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards , Concerned Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I already wrote that I had always my XXXX when l go to hospital I do n't know why they bill me please help me I have XXXX for 22 years I 'm starting to XXXX XXXX bless whom could help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Customer service / Customer relations

Complaint: Capital One is refusing to provide me with my old/last account number. I have spent hours of the phone getting transferred to different departments within Capital One and they said they are not allow to provide that information to me. I need this full number to access XXXX XXXX 's system in order to find an old receipt for a purchase I made using this card. Since it was a secondary card ( it was under my name and social security number, but used by my husband with his name on it XXXX, it is not listed on the old account statements. Only my primary credit card number is listed on the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: We have tried to work with Coast Professional , Inc. since we received the first notification from them on XX/XX/XXXX. I contacted Coast Professional , Inc. because I had divorced and moved frequently and was trying to locate the information to repay this student loan. Because the amount they wanted me to pay monthly was unrealistic I submitted the Financial Disclosure For Reasonable and Affordable Rehabilitation Payments. Since that time I have spoken to several employees who tell me if I will send this information my payment will be $ XXXXmonth to if I send this information my payment will be XXXX XXXX/month. In XXXX I had XXXX tell me to file paperwork with the US Department of Education and wait to see that they would decide which I did XX/XX/XXXX. I received a letter from the Department of Education giving me a reasonable payment of {$190.00} with garnishment which I would prefer to pay this debt directly, but I can not get Coast Professional , Inc. to agree with this letter even after I resent them the letter and information again. I spoke to XXXX who ask for even more information and then XXXX on XX/XX/XXXX at which time he said the payment would be XXXX XXXX/month which I could afford, but then I received a letter from Coast Professional , Inc. stating I would need to pay {$290.00} for notify them of my objection which I have done. I need for someone to review my account and assist me in coming up with a payment of which I can pay. I am asking for you to investigate Coast Professional , Inc. and how they mishandle their customers and do not try to assist them. They give out fraudulent information even after you comply with everything asked of you. 
We have all of the documents to support this complaint, but they have confidential information on them. We can provide if requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation