milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card in XXXX, XXXX. The credit card terms indicated a {$650.00} phone offer for a {$2000.00} purchase using the XXXX XXXX XXXX credit card in the first XXXX months ( screenshot attached ). I did make {$2000.00} in the first XXXX months ( also attached ), and the phone offer showed up at the bottom of my account summary page as " Take advantage of your XXXX XXXX XXXX XXXX XXXX XXXX Offer ''. But recently when I looked at my account I could not find the Phone offer anymore. 

I contacted Citi customer service and they claimed that in their disclosure it stated that transfer balance, account fee would not be counted as a part of spending, which made my " valid spending '' {$1900.00}, and refuse to credit the reward to me. 

I got really confused. Clearly, the threshold would have been met if the membership fee was counted. Their advertisement was misleading in a way that hided significant information. The lacked clear definition of consumption, therefore, misled 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 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I ordered a copy of my credit report from Experian and was billed {$1.00}. Unbeknownst to me that enrolled me in some sort of membership. I successfully canceled the service going forward. However, getting a refund was another story. The money came out of my account on XX/XX/XXXX and I called on XX/XX/XXXX. They refused to issue a refund and put me on hold for over 20 minutes and refused to refund the money.

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 12/18/2017 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/27/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: We were denied a mortgage refinance from Ditech because on one of our Credit Reports was showing an incorrect home with XXXX, We attempted 3 times to get this corrected and with no luck.We asked to remove any/all fraud alerts and ant/all consumer statements. This is why Ditech /XXXX rejected our refinance application. Everything else was good to go.

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 03-02-2018 about Debt collection (Credit card debt) with EQUIFAX, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted On-site which is a screening company for an apartment I applied at. After disputing inaccurate information and On-Site removed the information to reflect the correct info. Then Onsite went back and changed the information that was completely inaccurate to something that was grossly inaccurate. The information they provided to the apartment, was even worse than it was before when they have the original report. I have copies of all the reports and they all state something very different. They have clearly and negligently proved erroneous and false information which is in direct violation of federal guidelines set forth by FCRA. I have contacted my attorney and asked that he file claim against On-site for defamation, fraud and negligence. I spoke to a rep who could n't explain or justify why they proved inaccurate information about me to a potential landlord. Then I asked them why when they changed the information they did not provide me 5 days notice which federal guidelines dictates they are required to do under the FCRA. The rep stated they need to verify and that 's why they went back and changed the info. When I stated that it should have been verified before changing my report to reflect the right info before, the agent got an attitude. I then asked to be transferred to a supervisor and I got hung up on.

Company response to consumer: Untimely response
Consumer complaint received 04/30/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Chase  auto finance reported a late payment. Payment was made in beginning of the mouth I called several day after to conform payment went through. Persons on the phone told me it did go through. I now noticed a credit drop for non payment. When I was told by them that te payment had went through

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy of my credit report I have noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and I then contacted the credit bureaus ( Equifax, XXXX, and XXXX ) and let them know about the problem. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Equifax XX/XX/2017. These accounts are making my credit score bad and its hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my property and my closing attorney wired the full HELOC payoff amount ( $ XXXX ) to Citizens XXXX on XXXX XXXX. On XXXX XXXX ( 6 weeks later ) I received a notification that my account was delinquent. With my account seemingly payed off, I was very confused. When I called Citizens XXXX, they said my account had not been closed and I owed XXXX $ to close the account. Again, if my account was paid off and closed, this makes no sense. After a lot of back and forth with Citizens XXXX and my closing attorney ( including all XXXX of us on a call at once ), the following came to light : - Citizens XXXX received the full payoff amount on XXXX XXXX ( we have the wire transfer documentation that states that it should be a payoff applied to my account ) - On XXXX XXXX, Citizens XXXX contacted my closing attorney to get the 'authorization to close the account '. The closing attorney and Citizens XXXX went back and forth several times attempting to fax the form. They notified the closing attorney several times that it did not come through ( I too have had problems faxing to Citizens XXXX ). 
- Eventually, Citizens XXXX did not return my closing attorney 's call to state that the fax did not come through, so the closing attorney assumed it was finally received. 
- Citizens XXXX then did nothing with the wire transfer for the next 7 days, so my account still had a balance and continued to accrue interest. 
- On XXXX XXXX, Citizens XXXX finally applied the funds to my account, NOT AS A PAYOFF, but as a standard payment. 
- AND, they did not backdate the funds to XXXX XXXX when the funds were received. 
- Thus, my account accrued interest until XXXX XXXX ( and then beyond because the interest compounded. ) Now, they want me to pay XXXX $ to close my account when they had the funds, per their payoff quote, on XXXX XXXX. Additionally, the original payoff included a XXXX $ recording fee, yet Citizens XXXX is attempting to charge me another XXXX $ fee a second time. 
* I have attached XXXX the wire transfer on XXXX XXXX and the new payoff request for XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Please be advised that this complaint # XXXX against GM Financial has not been resolved. I am alleging that GM Financial engaged in deceptive trade practices along with XXXX XXXX who paid GM Financial via my bill pay account. Let 's try to communicate the facts that need to be answered once again. XX/XX/XXXX, GM Financial received a car payment that XXXX XXXX alleged had the incorrect mailing address but correct GM Financial Account number. Following the XX/XX/XXXX payment, the XX/XX/XXXX and XX/XX/XXXX payments with allegedly the same incorrect mailing address and same correct account number were not received by GM Financial. I asked GM Financial to produce all internal records to prove that they did receive the XX/XX/XXXX payment with the wrong address but correct account number and to prove that they did n't receive the XX/XX/XXXX and XX/XX/XXXX payments with the correct account numbers from XXXX XXXX. I explained that XXXX Bank refuse to provide me with all three mailed, returned, and cancelled checks and therefore, I was requesting the XX/XX/XXXX cancel check from GM Financial and the XX/XX/XXXX and XX/XX/XXXX returned mailed checks from GM Financial and the XX/XX/XXXX and XX/XX/XXXX cancelled checks received by GM Financial in order to prove that they had nothing to due with the deceptive trade practices and fraud of XXXX XXXX. GM Financial refused to provide me with this material information to exonerated themselves of engaging in deceptive trade practices and fraud. GM Financial refusal to provide me with the internal documents for my car payments was based on deception and fraud. These incidents of fraud occurred before I return the vehicle in and the fraud was the reason that I return the vehicle in. Let me repeat myself, the deceptive trade practices and fraud occurred before I returned the vehicle and it was the reason that I returned the vehicle. Until GM Financial provides me with the internal car payment records specified in this complaint ; then, they knowingly and intentionally engaged in deceptive trade practices along with XXXX XXXX who also refused to provide me with the internal records and stated that the cancel checks were destroyed which is a violation of federal document retention laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: My co-signer passed away from  XXXX . I gave the information to  Navient,  the collector stated there was nothing he could do to help me. I am   XXXX   XXXX   XXXX   and not working. The collector told me again there was nothing I could do ... surely there are options for deaths and life circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NEW YORK COMMUNITY BANK (CA).
Issue: Application, originator, mortgage broker

Complaint: New York Community Bank ( NYCB ) " cancelled '' our refinance because they would not consider my husband 's source of income, XXXX XXXX XXXX, as a bona fide source of income. 

This is very confusing and difficult for me to understand ; as well as very confusing to my husband. How can his VA benefits not be a bona fide source of income and not be considered? This strikes me as some form of discrimination since my husband is a veteran and his only sources of income are that which the VA provides. 

We are reaching out to the Consumer Financial Protection Bureau ( CFPB ) because we are having a difficult time, wrapping our brain around what NYCB is doing, which is non-sensicall. We explained the following to the CFPB : Our current loan ( mentioned above ) which we are seeking to refinance from NYCB recently adjusted to a Fixed rate of 4.0 %, to include P & I, for a monthly mortgage payment of {$2200.00} approximately. 

We were seeking to refinance to a 20 year loan ( we have only 20 years left on our current loan and did not want to extend the term ) at 3.25 % for a monthly mortgage payment of {$2000.00}. 

In the close to eleven ( 11 ) years that we have carried XXXX ( XXXX ) loans with you, we have never been late on the loan, we have always paid extra to principal, we have maintained exemplary XXXX scores ; in other words, we have had a PERFECT relationship with NYCB and have met our financial obligations for over a decade. 

Now that we need to refinance because the cost of the mortgage as well as the interest rate has increased considerably, you, NYCB indicated that, 1 ) the appraisal came in low, which we agree it did since our home should have appraised close to $ XXXX to $ XXXX, rather than the $ XXXX. However, even if the appraisal is flawed, even at the $ XXXX, we are seeking only 80 % Loan to Value, which NYCB should be able to accommodate, and 2 ) NYCB is " throwing out '' close to XXXX/month in VA Benefits which serve to pay our mortgage, car payment, meals, utilities, etcetera. Why in the world this is not " income '' which you can consider is beyond us. 

Keep in mind that we also paid off considerable amount of debt as requested by NYCB in order to consider our refinance. Even after we paid off the debt which NYCB asked us to pay off, we still received an unsatisfactory decision. 

In a nutshell, we are going to convey to the CFPB that : NYCB concluded that we can manage paying $ XXXX at 4.0 % interest rate, but somehow, we can not manage paying $ XXXX at 3.25 %. In an alternate world, this would make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Using a debit or ATM card

Complaint: On XXXX, 2013 I went to bank to cash at the drive -through window. The teller informed me my backing account was frozen because suspicious activity. I went inside the bank and talked with a manager. The manager could n't discuss the account because my daughter was n't present at time and account was college join account. I immediately called telephoned my daughter and told her check her account. My daughter notice than her wallet was missing and telephone the day. We checked banking activities later that evening online. Several large checks was deposit in her account which she had no knowledge where the funds came from.The bank never informed before hand of any possible fraud activities prior by email or telephone call until I went to branch to cash a check. My daughter did have a bank deposit slip, ATM and with her pin number written on deposit slip inside her wallet. The next day we went to bank and talk with manager about missing wallet and it contains. The manage over the account, told us all our accounts was frozen and all activities would stop. The bank continued to allow deposit checks, ATM withdraws for another 7 days. My daughter and I went to police department filed fraud and ID Theft complaint in XXXX and XXXX Police Department. We also file an report with Federal Trade commission and Attorneys General office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.

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 02/21/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX XXXX XXXX dollars was withdrawn from my checking account, this withdrawal was not done by me or my mother that is also on the account. I went to a bank branch that was closest to my residence to find out what was taking place. I was given a phone number to report the incident, which was done on XX/XX/XXXX and a temporary credit of {$700.00} was given to me and a investigation was started. On XX/XX/XXXX my claim was denied and the XXXX XXXX dollars was taken back out of my account. I did not receive any information on why it was denied, I called the fraud department which was not very helpful at all. I requested that the claim was reopened because there is a mistake, it was reopened on XX/XX/XXXX and got denied on XX/XX/XXXX. I have only received one letter in the mail stating the an ID was used from someone that is on the account and was not reported stolen. I have been going back and forth with Bank Of America for months and have not gotten anywhere! 
Claim # 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 monetary relief
Consumer complaint received 06/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I contacted XXXX XXXX to discuss my student loan. The payments they are requesting are unreasonable. I am unemployed and my mom has been supporting me for the last 90 days. The rep I spoke with XXXX became very rude with me and threatened to disconnect the call because I could n't not make my payment. She requested to speak with my consigned I advised her that she is not able to talk she then put her supervisor on the phone who claims he is the only manager in the department. He stated to me that it looks like we can pay because based on my moms credit it does not look like she is struggling. He then became very rude I asked him if I paid XXXX would my loan still default he said yes because I did n't make a payment of {$120.00}. Please help this is my XXXX CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Making/receiving payments, sending money

Complaint: I received an e-mail that there was an e-mail change for my online banking account. Immediately after receiving that, I logged in and noticed that my account was in a suspended state as a transfer had taken place of approx. {$900.00} to an unknown recipient. I received a call from Capital One 360 security and discussed the situation which resulted in my account being completely locked down and I no longer have access. This was on XXXX/XXXX/2016. I have tried calling every day and have been on hold for over 2 hrs several times without reaching a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We lost a house in XX/XX/XXXX. We had a HELOC on it. The HELOC sold the debt to Green Tree Servicing recently and Green Tree has parked the old debt on our credit report stating the date of last activity was in XXXX. We have not made any sort of payment on this debt since early XX/XX/XXXX when we started to loose the house and were negotiating with the XXXX lien holder to try to modify our home. I 've disputed the debt with Green Tree. The statute of limitations on this debt was 4 years and the 4 years passed in XX/XX/XXXX. We were never sued for this debt and no judgements have been issued. We have not made any payments on this debt since XX/XX/XXXX. Our true date of last activity was sometime in XXXX or XX/XX/XXXX. This is more than 7 years old and should no longer be shown on our credit report. The foreclosure from the XXXX lien holder is no longer showing on our report. Green Tree is trying to Bully us into paying an old debt by reporting to the credit agencies that it is more recent than it actually is. I have disputed it with Green Tree and they just sent us paperwork from the original HELOC and the date the HELOC was charged off by the original creditor. Green Tree shows copies of letters sent, however, we never received them. If we did, we assumed they were credit offers and shredded without opening them.

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