milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Starting in XXXX 2017, Citibank changed the way they handle payments on their credit cards. In the past, if you paid more than the minimum payment before the due date, it automatically cancelled the minimum payment autopay feature that I had set up. Starting this XX/XX/XXXX, even if I pay more than the minimum payment, Citi will still charge the amount of the minimum payment on the due date. 

It is my belief that they changed this rule to make it harder for consumers to complete a monthly payment and not be charge a fee. For example, if I take autopay off, I risk missing a payment and being charged a late fee and an increase in my APR. But if I keep the autopay, forget that I will be charged again after paying more than the minimum payment before the due date, and do n't have enough money in my checking account to cover the minimum payment, I will be charged a fee by both Citibank and the bank where I have my checking account ( because of NSF ). 

This is unfair and I hope Citibank reconsiders changing the payment process. I have submitted a complaint via a customer service representative, but the company has not followed up.

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 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: on or about XXXX XXXX XXXX, all XXXX experian, XXXX and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. 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 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2016, I Unsubscribed from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Since then, Diversified Consultants has contacted me several times during which I explained that I had already unsubscribed prior to the last billing statement ; and the XXXX XXXX Representative told me I DID NOT OWE anything further when I returned their modem in XXXX XXXX, Texas. Since then, Diversified has attempted to call me many other times while USING XXXX XXXX as their phone ID. I 've spoken to at least 4 of their calls ; and have since blocked their calls ; but they continue to harass me. The number last used is ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a 15 year loan in XXXX XXXX from Wells Fargo ( loan # XXXX ). I was told that if you paid twice a month as opposed to once a month that it would reduce 4 years from your mortgage. I contracted for this in XXXX. Apparently Wells Fargo used a third party XXXX XXXX XXXX XXXX to administer this. I am told that they send a the extra equity payment once a month to the loan holder ( Wells Fargo ) whereas usually this this is done twice a month. Consequently, the additional equity has not accrued at the rate that I was told ... such that the mortgage would be paid off in four years. 
I called in XXXX and was told that the payout date was XXXX XXXX - this is longer than the 11 years promised but I accepted it. I now called to confirm the payout date so that I can make plans for retirement and I am told a different story ... that the payout date is XXXX XXXX. 
What this means is I have been told different stories every time that I call. The load was not set up the way I contracted and/or they changed their process and did not tell me. 
I would like this reviewed and the payment schedule to be re-configured in accordance with the original guidelines that I agreed to. 
As it stands now, paying twice a month ( at a hardship ) only yielded a little more than one year taken off the the fifteen year loan term. 
XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Remove this security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Private student loan debt) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  2017 I re ceived written notification of balance owing for the amount of  XXXX . Payment to be received on or before  XXXX   XXXX ,    2017.  I was unable to attend my  XXXX    XXXX   due to  Holiday  on  XX/XX/XXXX  of  XXXX   XXXX . On  XX/XX/XXXX , my  XXXX    XXXX   closed at  XXXX   XXXX . On  XXXX   XXXX ,  2017,  I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On  XXXX   XXXX ,  2017, I  sent out a payment in the amount of  XXXX  to be received on or before  XXXX   XXXX ,    2017 t hrough overnight delivery with  XXXX . I also informed company that I will only be paying the amount owing stemming from the written notification received on  XXXX   XXXX  , 2017. Ne w statement received indicates balance owing to be  XXXX . I have contacted company and have left a message with Manager handling my collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have some various inquiries in my credit accounts. All 3 : XXXX XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

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 (Other debt) with Jim Bottin Enterprises, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I saw an a d on Facebook  stating you could sign up for a membership at  XXXX    XXXX   XXXX   for just {$1.00} down. I 'd always wanted to join but the start up fees had always been ridiculously high. I called the  XXXX  location Saturday  XXXX   XXXX , and spoke to a gentleman named "  XXXX  '' who pumped me up and made me even more excited to finally join my dream gym. I asked him when my first payment would be due - he said  XXXX   XXXX  ( later when I spoke to  XXXX  at  ABC Financial I  cited  XXXX   XXXX  but going back in my bank account, remembering when I signed up I realized it was the  XXXX  ). Fast forward to  XXXX   XXXX  and I get a notification from my bank saying my card was declined for {$35.00} at  XXXX    XXXX   XXXX  . Admittedly, I should have contacted them then, but since I knew I would n't have any money I did n't worry about it. Fast forward to Friday,  XXXX   XXXX  - I get a notification that  XXXX  has been removed from my account by  XXXX    XXXX   XXXX  . I was furious because it was an unexpected expense that left me with only  XXXX  dollars. I called  XXXX    XXXX   XXXX   and spoke with a young woman named  XXXX  and told her I wanted to cancel my membership because of the charge. She apologized and told me that  ABC Financial  handles that, then proceeded to give me their phone number. I spoke to a woman named  XXXX  who said that because I only paid the {$1.00} down my first payment was due within that month. I said I was never told that and she said it was on the contract. A contract I had never had the opportunity to go and sign. She also said it was sent via email, but I 'd never received  one. So n ot only had I not even signed a contract, I had no idea that I 'd be charged.  XXXX  fee plus a late fee.  XXXX  then proceeded to tell me the only way I could cancel my membership is with a {$100.00} dollar buyout. Before she could finish, I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today    XXXX   XXXX   XXXX     I received a call from  XXXX . They asked for  XXXX   XXXX  and I said ( without thinking, he is my father ). The person then said this phone call is recorded and then hung up. I  may have a sked what this was about. I do n't exactly recall. I called the number back and found it is from  Diversified Consultants in    XXXX  WA. Given that my father is  XXXX  I wanted to know if this outfit is scamming him or hounding him. Given what I know of these types of companies I want to ensure that they don not take advantage of him or bother him. Also I did not try to talk to them because there have been outfits like this that will not divulge anything to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Capital one sent me a letter saying they were closing my account.dated XX/XX/XXXX. I mailed them a letter asking them to refund my credit balance and asked for details as to how I could access my {$11000.00} rewards towards the purchase of XXXX car. They did close my account & refund my credit balance on XX/XX/XXXX. <P/>I was getting ready to purchase a new XXXX in XX/XX/XXXX and on approximately XX/XX/XXXX I called the card company about redeeming my rewards. They transferred me to a reward redemption center. The rewards redemption center said my rewards were only valid for 90 days after my account was closed. I told them my account was closed less than 60 days ago. They said that Capital One had listed the closure of my account as XX/XX/XXXX. I tried to explain to them my account was not closed until XX/XX/XXXX. They said Capital One had listed the closure date as XX/XX/XXXX and I had to get the closure date corrected to have access to the {$11000.00} in rewards towards the purchase of a new car. I emailed and called Capital One. They continued to state my account was closed on XX/XX/XXXX. I asked them why if my account was closed on XX/XX/XXXX, why was n't my credit balance return to me on that date. They said it is policy/systemic that even if an account is closed they wait 60 to 90 days to refund any credit balance. I asked them if my account was closed onXX/XX/XXXX where was the {$3900.00} credit balance. I was told it was in my account. I asked them to square that statement against the one that my account was closed on XX/XX/XXXX. They had no explantion how a closed account could have had {$3900.00} balance other than the 60-90 days refund policy. They said the only reason my credut balance was returned so " quickly '' was becuase I had sent them a letter requesting the refund of the credit balance. <P/>My Account number was:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}

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 01/17/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Most recently : XX/XX/2013 Misinformation by phone caused me to be taken off the Graduated Extended Payment Plan of which I had 3 more years until full forgiveness and placed on an IBR plan with a payment that was more than double my previous payment. No disclosure of the increase payment or change of plan was provided for me to make a choice. Over a long series of letters, I find that I can not make the payment they require or obtain full time employment to meet the payment so I am being forced into default. I am nearing XXXX years old, have XXXX for 4 months. I have limited income that is not expected to improve, no savings, little equity. I do n't even go to a hair dresser or out to eat at a restaurant. I 've worked most of my life as a XXXX, have a current credit score of XXXX, but they will break every aspect of my ability to make purchases or even get healthy care loans for the rest of my life. I wo n't even be able to XXXX because the XXXX pay into the governmet retiremt systems, and they will garnish my gross amount of my social security check before taxes and medical premiums are deducted. I have tons of evidence of their lies and misrepresentations and would gladly share those with you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (AR).
Issue: Loan servicing, payments, escrow account

Complaint: city mortgage [ need I say more ] they have engaged in fraudulent practices that have cost consumers amazing amounts of money for their own gain ... ilegaly

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: My bank account by Wells Fargo bank is being rubbed over and over again, my complaints have been without a result this is been going on since XX/XX/2007. I have many letters of confirmation but no action. It has been costing me money as well as lots of other XXXX. I am almost certain that the XXXX employees of the bank are sabotaging my account. This is not a single case. The force behind it is " American XXXX congress " please take action

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 06/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: After changing jobs and getting paid less money, I found that I would have difficulty keeping up my mortgage payments with Bank of America. I owed $XXXX on my mortgage and applied to Bank of America for a mortgage modification last year, for which I was denied. I applied for and received approval for a short sale from Bank of America. I found a buyer who was willing to pay $XXXX. The bank appraised the house for $XXXX but stated that the buyers would need to pay $XXXX. After some negotiating, the buyers accepted the bank's offer of $XXXX. The sale was later denied by Bank of America for yet unexplained reasons. I have been reaching out to them since XX/XX/XXXX with no luck. I have been trying to sell this house for 3 years with many people looking but not wanting to buy. It is very frustrating that I finally found some serious buyers and the bank is making them lose interest by denying this sale and not providing any reason. I am getting to the point where I won't be able to afford the mortgage payments any longer and it is unfortunate that I have made every payment since I bought the house in XX/XX/XXXX, to be treated this way and without cause or reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a new Citi regular checking account in XXXX 2016, with promotion code XXXX, to earn {$400.00} bonus for new account by depositing {$15000.00}. I confirmed my eligibility for this offer and the deadline for initial fund through contacting with customer service online. And I deposited {$15000.00} before the end of XXXX 2016. I maintained the same balance for 30 days and waited until XXXX. I contacted with customer service again in early XXXX to check when the bonus will be posted to my account. The customer service said it would be XXXX XXXX. But it was still not posted. I requested again on XXXX XXXX, however, they said I 'm not eligible for this promotion any more. I 'm disappointed about how could they reply with different answers before and after. I totally followed the required terms and confirmed with them before.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Consolidated Recovery Group, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Consolidated Recovery Group is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX when that address is no where on their website and I never received a response from the dispute letters I sent them. How can they have different address on the credit report and website but their website shows the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX 1. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2011 which is wrong. 

3. I attached the dispute letter that I sent them but they failed to properly validate this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: this is fourth time that i fiiled a a complaint against XXXX they are not understanding or taken rwsponablity for what has happen and follow what others from the ecutive branch is willing to to. according to my congress and senator when and id is stolen the company has 120 days to look into it and no extra charges will be put on the account and the account closed right away. then because XXXX   has not issue a new card with in the expired date shown and still let the card be used its illegal. that two years ago ll banks and business with credit cards had 90 days to give a new card with a chip this was not done. there for XXXX is breaking the law. then because XXXX has sent every month from the last complaint that they would be willing to pay have the paymnt until this is paid off according to the federsl trade commission and business association and my senator and congress that XXXX   has admit wrong doing and there for to up held the agreement with the customer to close out the account and wipe out the debt because they are not traing there cashier to check id ask for name address and how long they had the charge crard and look and the expire date because it should not been used it should of been taken and cut up and a new one issued at the store or by XXXX. because XXXX  refused they brake the law

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 Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.

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