milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a late payment ( {$920.00} ) on my double-cash card from Citi Bank ; I missed its due because I thought I already setup the autopay, but it's reset/disable for some reasons. However, I did make a payment successfully onXX/XX/XXXX, but my card is closed by the bank on XX/XX/XXXX, without notify me their decision.

I didn't know my card was closed until recently ; I requested my credit score reports from XXXX   ( XXXXXXXX ) and noticed that this card was closed ( i.e., Account closed at credit grantor 's request. ). I called their customer service twice, but they said it's unable to reopen my card.

This event affected my credit score significantly because of delinquency, and I do want to reopen this card again. Thus, please help me to negotiate with Citi Bank on this issue.

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 09/28/2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX keeps reporting an account that is charged off and they are trying to collect on it. The original issuer sold it to them who is XXXX XXXX. Why are XXXX companies trying to collect off of the same debt. This should not be reporting on my credit report at all. It is hurting my report and Equifax has not did a thoroughly investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: JPMorgan Chase, double charges interest on paid items, double billing. 
As explained to XXXX XXXX, attorney for Chase, XXXX, who did not have the courtesy to return a call and investigate, but obnoxiously had other employees calls and harass us, while refusing to credit disputed amounts. 
Chase actively engages in interest charges on debt paid on time ( doublecycle billing ) although the account is paid a substantianly amount, still interest is imposed on the balance like no payment took place, and in addition payment made at a branch its not credited immediately and Chase charges daily interest as the payment was done the following day. 
Chase employees are abusive, they treaten to report derogative information to credit bureau, and even made calls of coming to our property to make good on the credit card debt, although this is a insecure loan. 

According the APR and calculations Chase has cheated closed to {$300.00} so far. 

Additionaly Chase nowhere posts online or the terms or agreements as require by law, and they tend to call past calling hours.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Pursuant to my debt validation request, on XXXX XXXX, XXXX, Rash-Curtis & Associates, a collection agency, provided me with debt validation support documentation. On XXXX XXXX, XXXX, I wrote a response to the collection agency indicating that the statement from their client, XXXX XXXX XXXX dated XXXX XXXX, XXXX for XXXX XXXX Co-pay for XXXX in the amount of {$140.00} was inappropriately billed to me. In my letter, I mentioned that the aforementioned charge is a XXXX XXXX XXXX XXXX XXXX XXXX, which should be billed to XXXX. XXXX XXXX/XXXX/XXXX statement, copy attached, clearly reflects that the XXXX XXXX is XXXX XXXX ( Upper right side ). As a note, I am a XXXXyear-old individual entitled to XXXX benefits. XXXX is XXXX provider that handles Part D benefits. Finally, in my letter I also mentioned that I was not willing to pay for inappropriate billings. Rash-Curtis has not responded to my XXXX/XXXX/XXXX letter. 

Although I properly notified the collection agency that I disputed the debt, on XXXX XXXX, XXXX, I received a notification from XXXX informing that the XXXX XXXX XXXX invoice for {$140.00} had been reported as a collection debt. Because Rash-Curtis actions are clearly not in compliance with the Fair Collection Practices Act, I hereby request that this collection item be immediately removed from XXXX records as well as the files from other credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: So, XXXX XXXX is now Navient. My initial thought when hearing this was " oh good, maybe the service will be better! '' Sadly, I was extremely mistaken. While the name is different, the same TERRIBLE customer service still exists. No, I 'm not behind in my payments and actually pay 2 weeks before the due date. I should not have to call every couple of months because the corporation ca n't do its job with payment allocation, tells me I 'm over a month behind on payments, and gives me late fees! Their customer service representatives continually repeat the same information which was incorrect and not useful to begin with! No, I will NOT send Navient copies of my bank statement to prove I made a payment. Additionally, when I send a check to pay off a specific loan, use it to actually pay off the loan specified rather than dividing the money between all of my loans. When I finally spoke with a supervisor, he was able to look up payments and their allocation, which Navient incorrectly allocated. This company is not doing their job properly, trying to gouge their customers with late fees ( in addition to extremely high interest rates ), and wasting our precious time by having to sit on the phone for hours every couple of months to get issues due to their incompetence resolved. Those of us bettering our lives with great careers, making payments early or on time, and paying off individual loans, should not be penalized by this company 's inability to perform their daily duties. Additionally, Navient continually has my legal name incorrect even after multiple documents have been faxed and conversations with customer service representatives. After submitting a complaint with the XXXX, I received a voicemail from the Office of the Customer Advocate asking for a return call. However, I have been leaving voicemails for the past month with no response. I also received a letter stating the issue was resolved, yet this next month 's statement is still incorrect. This is professionally unacceptable, both with the lack of follow up and the continued inability to allocate funds correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted to dispute this account with Experian by mail on multiple occasions. I am a victim of identity theft. I sent a letter requesting verification to XXXX XXXX XXXX for this credit card account that appears on my report. The verification information I received back very clearly showed the account belongs to another person with the same first name as me and an address I have never lived at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: We have been dealing with a debt collection agency which has turned from a debt to a harassment. We are now getting XXXX-XXXX calls a day on XXXX different verizon cell phones. Not to mention the certified letters and the regular incoming mail. We have spoken with this company on several different occasion to work out a payment plan for the company just to play around with the interest rates and payment amounts. Even after bringing the account up to date. We have also asked the company not to call back since we are more than aware of the bill especially considering the call volume. We even receive these calls on weekends, there is no break ever. enough is enough.

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 02-09-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.

Company response to consumer: Closed
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarFinance Capital LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 when l checked my credit report l saw that there are 5 different hard pull inquiry reports on XXXX.

1- XXXX XXXX XXXX 2- CARFINANCE.COM 3- XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX XXXX XXXX They are all unauthorized and without my knowledge and permission.

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 02/15/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I reviewed your latest statement to CFPB ( case no. XXXX on XXXX XXXX, XXXX. ) I recalculated the figures using your statements on XXXX XXXX, XXXX and may have misunderstood my previous calculations ; however, I still determined CitiBank overcharged me {$6.00} and unfairly charged {$15.00} for a payoff by wire fee after escrow closed, which they can not do. 

If you will, please review the {$21.00} of overcharges described above. I believe that is extent of the overcharges now by CitiBank which should be refunded back to me.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Experian are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 05-09-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: EQUIFAX continues to re-insert an account with XXXX they have previously deleted. I NEVER paid this account late nor was it ever a repossession from ME as EQUIFAX erroneously reports in my most recent file with them. Any and all issues with this account belong to my former spouse and date back to 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with Glasser and Glasser, PLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - Glasser and Glasser , PLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed XXXX XXXX ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to XXXX XXXX has been paid - they still listing the full amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, Wells Fargo Card Services reported a two hard inquiries on my XXXX Credit Report that I did not authorize. I sent them two certified letters on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiries. While they are still being reported 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 explanation
Consumer complaint received 03-02-2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home in California. It is a VA loan through Citimortgage. I feel like I have been given mis-information on several occassions. My home is now in jeopardy of foreclosure. I have asked for assistance in getting my loan modified. I realize there was recently a lawsuit involving Citimortgage, and I want to know if I will be included in the class action. " Citi 's subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes. '' I was sent information to complete in order to modify my home ... each time a modification was given ..my monthly payments were never lowered ... .recently I was sent a hardship package that I completed just to be told it was not received when I said i faxed it as well as sent it to the citi doc email- i was told it was not legible. I then received a letter stating i had till XX/XX/XXXX to return information ... .yet i just got an email from XXXX XXXX stating hurry up and return docs or my case will be closed without review. I am currently XXXX to a potential XXXX in XXXX and now my focus is on trying to save my home.

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 10/19/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (DC).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I received a lease-end statement from Honda requesting payment within 25 days for {$550.00} for " Excess Wear and Use or Damage ''. I hereby dispute the charges as I have not been given full explanations of how they were estimated, the criteria used to waive certain charges, and I would like to ask clarifications as to what Honda considers excess wear and tear since it is not specified explicitly explained in the contract ( except for the tires ). 


After my first attempt of obtaining clarification from Honda Financial, I received a copy of the inspection report by mail, detailing the damage that was considered by the inspector to be excessive, and the estimated total cost to be {$950.00}. The excess wear and tear value in this report is higher than the {$550.00} being billed to me, but there is no explanation of what charges were waived and what charges were not and why. Presumably, Honda decided to waive the lowest cost repairs and to charge me the highest cost ones. Since the contract contains no provision of which charges get waived under the waiver provision, this should be interpreted in favor of the consumer and not of Honda. Similarly, the contract does not have an explanation of when certain types of damages are excess and when they 're considered normal. For instance, from the report I read that the left front bumper cover has a scratch of XXXX to XXXX inches, but no explanation of why this is excess, as bumper scratches are extremely normal in a car that is authorized to be used in abdense urban setting for XXXX miles. 


Likewise, I would like to request a correction of how my previous payments were applied. My XX/XX/<YYYY> statement had an amount due of {$110.00}, but I made a payment of {$250.00} and I request the difference to be refunded. Also, I returned my vehicle on XX/XX/XXXX and leased a new Honda vehicle, but paid the full month of my lease, until XX/XX/XXXX. I request the pro-rated unused days to be refunded. 

I sent this dispute to Honda by certified mail and it was received on XX/XX/XXXX. Their only response so far as of today was to call me and offer to lower the amount due to {$350.00}, which is still higher than what I consider I should pay, but I have not received a response, verbal or written, regarding my questions or my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my DOB is XX/XX/XXXX birth certificate 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 non-monetary relief
Consumer complaint received 09/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Customer service / Customer relations

Complaint: I received a collection letter from XXXX in XXXX 2016 about a Bank of America account. This was my first time hearing of this so I asked them to verify the account. The information sent to me did not verify the account as there was activity on my account in years in which I was not in the US and I did not authorize any accounts. I did not hear back from them again and called them back this week. I was advised that the account was sent back to Bank of America as they were not able to verify the account. I followed up with Bank of America and the agent was not able to confirm this account and provided a different account. However, Bank of America continues to report this on my credit report in violation of credit reporting laws despite multiple attempts. I am requesting that they remove this reporting whilst they investigate this and advise me immediately of their findings.

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