milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had my Best Buy Visa card for years and years. I have never been late on a payment. In fact, because I get paid only once a month, I pay 3 weeks early! For some reason, last months payment ( {$30.00} ) did not apply to the account. I started receiving calls which I thought were spam because they did not leave messages. Then one morning as I am driving to work, it is Citibank. I told them I would have to call my bank. They agreed I was always on time and noted the account. However, they have continued to call everyday, at least 3 times a day and sometimes more ( calling both my cell and my work! ). It is 7 days a week. So in the last 7 days, they have calledXX/XX/XXXX ( XXXX, XXXX, XXXX  ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ;XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX( XXXX, XXXX, XXXX ) and started in this morning XX/XX/XXXX right at XXXX on the dot. This does NOT include the dates/times they have called my work phone. It is harassing and over {$30.00} which I am trying to track down since I made the payment through my bank. I have paid early for years and one misapplied payment has turned into harassment. This is beyond ridiculous and NOT OKAY. I ca n't imagine how they treat someone that actually has a true delinquency because this will be resolved shortly ( either the bank resends or they put money back in my account and I can forward payment on a second time ). Unbelievable and disrespectful.

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 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/XXXX I graduated from XXXX XXXX University and soon after began my loan repayment through XXXX XXXX. About a year later I became a teacher and applied for the loan forgiveness program. At that ime I was given the information that my XXXX loans would be consolidated and extended to a 20 year term with a monthly payment of {$280.00}. It was my complete understanding that if I made this payment as a public service employee consecutively at XXXX payments, The remainder would be forgiven. I later found out that I did not have XXXX XXXX anymore because it switched to a company called Navient. Navient is telling me that my last payment is on XX/XX/XXXX and that the last for years of public service do not count because my loan was extended. I called XXXX XXXX to get my records and I was told that Navient has everything and XXXX XXXX can do nothing at this point. Navient is giving me a few options, but it has really taken a toll on my financial situation as well as mentally. I find it very difficult to understand that instead of having approximately 5 years left of payments on a student loan, I now have 15 years left. At this point I would be repaying about double my original loan. In addition, my other option is to repay in their program that is aligned to my salary. This would also restart my XXXX payments giving me a total of 14 years of repayments. Navient is telling me that since my loan was extended I did not qualify the past four years, therefore they do n't count towards my loan forgiveness. Even if I show proof of records somehow through XXXX XXXX, Navient made it very clear that this can not be undone. I am a XXXX Veteran and even the Veteran side of Navient can not do anything. I am deeply saddened by this. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with Genpact Limited (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Re : Account # XXXX Amount {$180.00} To whom it may concern I did not receive my last two Re-file Prescription, two times I called XXXX XXXX and they said they were going to looking to the issue, but they never ever called or follow up with me. 
After talking to post office and my postman, they did inform me that, there are so many packages are missing in my track due to theft and after doing more investigations my neighbor couple doors down caught the thief with security surveillance camera ( see attach two photo ) I called XXXX XXXX and explain the situation and told them we do have the police reports as well, XXXX XXXX told me they will have my Re-file Prescription send over again but they never did, Now I am getting this none sense letter which is absolutely unfair, XXXX XXXX is the one at fault for not following up and report inaccurate information to agency, XXXX XXXX never contacted me after I contacted them three ( 3 ) times I am sending this letter with USPS certify mail with pictures attach, for unfair Collection and if I get harass by this agency or any other agency regarding this unfair collection I will exercise my federal Fair Collection Practices Act Rights XXXX XXXX Tuesday, XXXX XXXX, 2017 CC : XXXX XXXX XXXX, XXXX

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 EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX/XXXX/XXXX ( 46 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 1 hour and 32 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 32 minute conversation with Equifax Reps ), and XXXX/XXXX/XXXX ( 27 minute conversation with Equifax Reps ) I attempted to contact Equifax to resolve the issue of being unable to access my dispute results, log in online, or thru XXXX as I was told my information was part of the Equifax breach. It is very frustrating and no one there seems to care, be concerned, or go above and beyond to be helpful in resolving. 

On XXXX/XXXX/XXXX, I was sent an email saying I my dispute results were ready to be reviewed. When I tried to it said my information was wrong. I can not log in to see my dispute results or into the XXXX XXXX. I initially thought ok maybe something is wrong with system and would just try again the next day. 

On XXXX/XXXX/XXXX, was my longest conversation and attempt ever. I contacted Equifax only to be passed/transferred around to about 6 Reps in which none were very friendly or helpful even after requesting to speak to a supervisor or manager (  denied ). I was told I have no credit report when I know that I do. They proceeded to make me feel as if I was crazy by asking if I was sure I have credit and was I sure of my log in etc. I also had requested to be warm transferred each time because it was exhausting and very time consuming to have to keep explaining the issue over and over to the next person. Each time they lied to me and would tell me they would warm transfer me but I was just dropped in a queue to the next person. Mind you this is during my work day. Each time I was told there is a glitch with the system and that the next person would be able to help me. 

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Same runaround with the conversation and issue. I couldnt take being passed around so after 2nd and 3rd transfer attempts I disconnected the call. 

No one can provide a resolution. I was told there is a glitch but no resolution. This is very concerning to me and super stressful as I am attempting to buy a house at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Last year I disputed entries on my credit report and they have now been reinserted as if new. I called XXXX and they have said they have no records on file. I have contacted the other entries and they readily admit the accounts are over 7 years old but claim they are active. this obviously make no sense. The credit bureaus are responsible for this fraud and should be sued in a class action. I am sick and tired of every 6 months the same entries keep reappearing even though some are over 10 years oldAlso even though i have submitted a XXXX bureau credit report to these people they play this sick game of sending me a letter claiming they cant verify my identity. THEY NEED TO BE PUNISHED. An identity thief would n't waste their time doing me a favor like that. This a sick game they like to play rather than just doing the job like the law says their supposed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I 've spent the last 6-8 months setting up payments with this company. 
they either lock me out of my account for two hours at a time. and i have to change my password every time. i have to call and manually make my payment. i was given the wrong information to post a payment and make my account current. this card charges me XXXX a month just to use it. i have gone late on one payment and i ca n't even log in to make it. my credit score just dropped 49 points because of this. its becoming a nightmare and i feel this a scam of a credit 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 08-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent named XXXX at XXXX EDT who opened up XXXX Citi Gold Checking accounts for me with the following promotion code : XXXX. XXXX stated that so long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles per account for the Citi Gold accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016 for both accounts, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage 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 non-monetary relief
Consumer complaint received 02/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My complaint has to do with Synchrony Bank under their " Care Credit '' program. This program is used by medical patients under terms and conditions that if the account is paid within six months, there are no interest charges ; however, if the account is not paid entirely in six months interest is charged at XXXX XXXX 

My original bill was approximately {$1100.00} with a current balance of {$950.00}. Full payment is expected on the balance by XXXX/XXXX/XXXX or interest will be added. 

When I called Synchrony today to find out what the interest charges would be if the balance were not paid off by XXXX, I was told that it would be {$140.00}. When asked how they arrived at that number, Synchrony 's representative told me to find an explanation of their computations on their website -- but I could not find such explanation. By my calculations, it appears that back charges of interest will be made on ALL THE AMOUNT OF PRINCIPAL, REGARDLESS IF THE PRINCIPAL WAS PAID DOWN OR NOT. If this is the case, it seems outlandish and possibly in violation of U.S. and California law. I should not have to pay interest on the principal amount I have paid down. 

I believe Synchrony 's practice is deceptive. Certainly, their practices are not clearly and easily spelled out on their website. See : https : //www.mysynchrony.com/ Thank you for looking into this matter.

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 01/26/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (ND).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of working with Citi on a modification. Back in XXXX we had a sale date. The third pArty that is helping us with this process had asked that the sale date be postponed. The processor with Citi stated they would not postpone the sale date because we had not submitted all the requested documents and we were not responding to the phone calls. They did have all the documents and there is a cease and dismiss order in place so they were to communicate through the third party. Which the processor stated as well there was no cease and dismiss. This was escalated within Citi they did postpone the sale date and did admit error. The other issue is on or around XXXX XXXX 2016 the denied us a modification. To this date we have not received the denial in writing stating our options. They have now set another sale dAte. By law we are to be given our options and make a decision within I believe 14 days before a forclosure process can begin

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 01/17/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent Ability Recovery services a debt validation letters regarding 3 accounts they are reporting on my credit, They could not verify the debts. They only sent a copy of a bill, So I sent a second letter, Which states a copy of a bil is not sufficient to validate & report a debt, I did this for all 3 accounts the copy of the bills has no Signature or anything to prove & validate this debt, but they continue to report the 3 items on my credit reports, 1st letter i sent out was on XXXX-17

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Received a call from Navient 's Recovery department on XXXX XXXX, 2015 explaining to me if I did not accept XXXX of XXXX deals by Monday, XXXX XXXX, 2015 they will proceed with filing the paperwork to put a lien on the house and garnish payroll. 
I tried explaining to them that I do not have the money and explained to them what I can pay monthly and they did not want accept. So again the threats continued explaining all assest will have a lien placed on them by Navient if XXXX of the XXXX plans are not accepted. 
We placed the loan on forbearance not understanding what she dummed down for me now, was that the loan would XXXX if we place it on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: Dear XXXX When I was purchasing items at TJ Maxx store back in XXXX XXXX, I opened the account for TJX Rewards Platinum Mastercard, which is a part of Synchrony bank. And few weeks later I returned some items for refund. I had a credit of {$170.00} in my TJX Reward Master card account. In XXXX XXXX I received a check of {$170.00} and I deposited it to my XXXX XXXX XXXX Account but the check was returned. As of XXXX XXXX my TJX Reward Mastercard statement balance is {$0.00} and I still have not received my money back.I have all the documents regarding this matter. I talked to TJX customer service manager many times in last 12 months. I faxed all the documents regarding the returned check. But only answers I received was that they were investigating this matter. They were investigating this for more than 10 months. Finally last XXXX XXXX when I spoke to XXXX of their customer service manager again, she said this matter was resolved and they will mail my check within 15 days.It has been more than 2 month past and I still have not received my check.It feels like they just do n't want to pay me Can you please advise me what process I can take to get my refund. It has been more than 12 month since this happened. 

Sincerely Yours

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 03-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Closing/Cancelling account

Complaint: On about XXXX XXXX 2015, Barclaycard closed all my credit cards unexpected and about XXXX points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fee on my Arrival+ card and just lost all benefits I should enjoy upon the account closure.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Settlement process and costs

Complaint: I combined a home mortgage and a heloc and refinanced with my existing lender Citizens-CCO Mortgage. Closing was Tues XXXX XXXX, 2015. I was told many times that no XXXX XXXX mortgage payment would be needed. 6 days later, on Monday XXXX XXXX, an auto-pay for {$2400.00} was deducted from my checking acct, and applied to the closed loan. The unexpected payment made my checking acct overdraft by {$640.00}. The Loan Officer admitted his error ( that he never cancelled the auto-pay ), and he put in writing that I was due the principle and interest refund. He also said escrows from the closed loan would be refunded in 2-3 wks. On XXXX XXXX, {$2400.00} was wired to my checking acct. ( {$2400.00} is the total of all escrow money held in the closed loan ). The Loan Officer then stopped returning my calls and emails because he focuses on loans, not closings. In XXXX I had 3 meetings with Citizens Managers trying to get my principle and interest returned, but they said no money was owed. The Title Company Manager told me that this problem is common with Citizens-CCO, and that other closings that occurred at the end of the month resulted in customers who were trying to get their " extra payment '' returned too. Then in XX/XX/XXXX the local Citizens people sent my issue up to the Office of the Chairman ( OOTC ) of Citizens Bank. Then I started receiving finance charges due to the overdraft that was caused by the Loan Officers negligence. I reluctantly paid the {$640.00} overdraft funds in order to stop the finance charges from occurring. The OOTC reviewed the situation and in XXXX they said no money is due back because they already sent me the {$2400.00} escrow money. Then in XXXX I supplied documentation again proving I was owed money for the extra payment of principle and interest. Then in XXXX the XXXX replied that they sent me the {$2400.00}, which they now claim was the principle and interest plus 1 days ' worth of interest! So I have 2 letters from the OOTC which directly conflict with each other! If they ca n't figure this out, who can? I wrote to them and asked them to tell me the correct answer because their letters say 2 totally different things, and for the last 2 months they refuse to look at the issue because they say they already addressed it. Frustrating! I have asked for a face to face meeting, I have asked repeatedly for a phone conference to go over the documents, I have great email trails, and documents to prove that money is owed to me. I have spent more than 100 hours working on this, to no avail. I have written nice letters, and I have more recently written stern letters XXXX but always respectful ), trying to get action. I have spoken to experts in the mortgage field that tell me to file a complaint with the CFPB to get action.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting the wrong filing date on my Chapter XXXX Bankruptcy Case # XXXX. My report show I filed XXXX which is impossible because there is no such date. I filed XX/XX/XXXX which is over 7 years ago which means it should not be reporting on my credit report anymore. Equifax is still reporting this BK on my report with inaccurate Dates. Please ask them to report the correct date. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them

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 06-04-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company called PORTFOLIO RECOVERY ASSOCIATES reported I owe XXXX XXXX XXXX , account start at XXXX XXXX, 2016! <P/>The truth is I never use XXXX XXXX service, and I do n't never owe XXXX $ from them. <P/>This is a scam. I already filed dispute.

Company response to consumer: Closed with non-monetary relief