milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: Made a payment to Citi and the payment was short by {$1.00}. It was a mistake on my part when I submitted the payment using my XXXX XXXX online bill pay system. Our APR has now been increased to 29.99 % because of the {$1.00} mistake on our payment in XXXX. When I discovered the shortage I called Citi and paid the shortage by phone and the representative assured me that our interest rate would not increase. Called Citi when I noticed the increase in APR to request they lower the APR. They refused. Asked to speak to a supervisor and was put on hold for over XXXX minutes until I finally had to hang up because I was calling from work and could not remain on hold any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XX/XX/XXXX 3. Has reported late payments for entire year of XX/XX/XXXX on an account that last payment was in XX/XX/XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XX/XX/XXXX or XX/XX/XXXX ( but is reporting usage ) 6. They state that they will report until XX/XX/XXXX, and account was due to stop reporting XX/XX/XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To Whom It May Concern : I am currently using Navient to service my student loans. I have made on-time payments each month, and have never been late with my payments. However, each time I make payments online, my online Navient Account claims that all my current and future loans are " Past Due. '' To clarify, I recently paid {$250.00} for the month of XXXX. My next payment is due XX/XX/XXXX, but my Navient Account states that the upcoming amount is also past due. After, I made this payment, I received a payment confirmation. Today, I received another email saying that they have no receipt of my recent payment and that I will need to pay this amount on top of my XX/XX/XXXX amount. My bank account has already cleared this past amount. A few months ago, I reached out to Navient via their phone customer service ans was told this problem would be corrected. However, no such correction has yet to occur. I am frustrated with Navient 's sluggish response because I do n't want to overpay. I desire honest feedback and the automated emails that continue to be spent to me despite my payments are frustrating and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: Date : XX/XX/XXXX orignal Loan XXXX Balance:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Medical) with AAA Collections (SD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: First, the debt collector never told me this was an attempted to collect a debt. I have been hit hard with medical bills due to multiple XXXX XXXX, and my son being born XXXX. Due to baby 's XXXX, I can not work so it is just my husband 's income coming in. I was then asked how I manage to pay my bills. I disclosed my parent 's are assisting. Then she asked about the baby 's father. This is personal information and I told her that is not something I wish to discuss. She pressed the issue further asking me if he works and why he ca n't pay the bills. I once again told her that is personal. She then asked why I was n't on government assistance if I ca n't pay my bill, which is over {$6000.00}. I told her that I do n't plan to live off of the government if i do n't have to and I am not going on assistance just to pay this XXXX bill. They already knew the situation and had sent out a financial assistance application just the week before. I asked for a manager who stated that she has the right to know my personal information including information on the father of my child, even though this medical bills are mine, not my husband 's or my child 's. They then said if I do n't get my financial assistance application in this week that they will send the bills to court to get a judgement out against me. On top of everything else, they call up to XXXX 7 times a day from different numbers. When I pick up, they hang up. They never leave a message. The intrusion into my personal relationships and my life are not welcomed and continued even after I explained they were not something I wanted to talk about. I do what I need to do to make sure my children are fed. They do n't need to know how I manage to feed my children or imply that I can not. I know others who have had similar situations with this company and it needs to stop. I understand they are doing a job, but I have worked collections myself and know that this is unacceptable behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I recently disputed credit account with XXXX XXXX XXXX on my Experian credit file.Experians investigation results were that the item " remains '' on my credit file. I have reason to believe that Experian did not correctly investigate my dispute because I disputed the same item with XXXX XXXX XXXX with XXXX and their results were : " This item has been deleted from the credit file. '' My ultimate goal is to have this item deleted from my Experian credit file. You will find attached to this complaint my XXXX investigation results and my Experian investigation results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with Alliance Data Card Services (TN).
Issue: Advertising and marketing

Complaint: After spending over an hour on the phone with the Customer Care Center and requesting a complaint number and contact information I was hung up on. I contacted this company because they seem to be violating Consumer Protections by false advertising, providing false information, and unknowingly charging customers with finance charges and late fees without ever having sent a statement or bill. They also have no system in place to file or follow up on complaints. I also requested this card be canceled as I have reported the unlawful practices regarding Comenity Bank and this card. I requested a thorough accounting of the issue and resolution in writing immediately, but did not receive it. I was told at the XXXX store that the rewards card was discontinued and that I had to sign up for their new MasterCard due to it having chip security features. I received a new credit card and the old XXXX was shredded. However, charges were made to both cards and a statement was never received from the new MasterCard. I only found out about this account due to 8-10 harassing phone calls per day from a restricted number that would not leave a message. Upon answering after dozens of calls I discovered a bill collector on an account that I had never received a statement from. I was unable to get resolution from them in any way. I had to set up on all new online account to access said statement and saw that there are XXXX identical sites for XXXX different credit cards and companies. It is a deceitful practice meant to confuse consumers and charge them with unlawful charges while having no accountability, complaint system, or way to resolve the issue. 

This company is deceiving consumers by stating that the XXXX card is no longer valid and a XXXX MasterCard must be applied for instead. This company should not be able to have identical websites, statements, and other information that the consumer can not tell apart. This company should not be allowed to harass consumers and turn them over to collections without providing statements and within 90 days of opening said account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX XXXX XXXX As stated on my letter XX/XX/2018 the refund has not been credit to my account as stated by Citi due to they sold it to a collection company. As stated we are issuing a full refund. statement credit of {$370.00} that has been applied to my account and will appear on my statement as stated by Citi as they sold it to a collection company that account needs to be bought back due to the fact that there was a dispute then when they had the account to there fee 's that they never took in to 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 11-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Application, originator, mortgage broker

Complaint: Chase Bank will NOT allow us to ReFi our XXXX condo mortgage, their underwriters use a " condo-hotel '' exclusion. There is NO " condo-hotel '' mentioned in either the developers plans on file with the county, nor in any of the individual XXXX condo buildings! We now have a 5.875 % 30 yr. mtg with Chase Bank & have NEVER been behind on any pmt. Recently Chase contacted us and said there was a good chance that they could lower the mtg. rate to 5 % ( still not a XXXX % rate but, better than we have now, ) & there would be NO closing costs pr other costs charged to us. We worked on all the necessary paperwork with a helpful Chase rep. in a Chase XXXX office.. He was encouraging even after we mentioned the prior " condo-hotel '' disqualification by Chase. Sure enough Chase killed the deal again - same " condo-hotel '' disqualification reason! FYI ~ We were able to ReFi with another bank, years ago on another exactly similar condo & our mtg. was reduced down from 7 % down 4.375 % with outta problem. Chase continues to be-devil us and disallow rate reduction. We willsoon be closed out as he ReFi & the ReFi HARP program deadline is fast approaching on XXXX XXXX 2015 ( I believe ). We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient continues to raise my monthly payment fees. Without factoring in having XXXX children, bills, a single parent and a job that does n't permit me paying what they keep requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Resurgent Capital Services Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i disputed inquiries with XXXX to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called XXXX several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!

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 12-08-2016 about Debt collection (I do not know) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit determination

Complaint: In checking my credit report, Capital One has not reported to XXXX since XX/XX/XXXX. This is effecting my livelihood as my family and I are trying to purchase our home. Due to building credit I am short XXXX credit point. My lender has stated that if capital one would update I would have the score I need to goto closing. I feel they are in violation of the fair credit reporting act and are not reporting monthly as they are required!

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (DC).
Issue: Other

Complaint: This is a general complaint that I would love to see CFPB take up. I find it outrageous that credit card companies often do NOT show us our running balance on our credit cards. I just called USAA because the numbers were n't adding up and even the friendly guy who answered had to calculate all my expenses one by one because he could not see the running balance. It 's 2015, there 's no reason these banks can not keep a running balance. This only increases the chances for manipulation and is a complete lack of transparency. I think we should make it ILLEGAL for credit card companies to not show the running balance. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Three years ago I started a consolidation with Navient. I was struggling financially at the time. Navient led me to believe that my loans were deferred and that interest was not accumulating. My {$14000.00} loan quickly became {$37000.00}. I did n't find out until 2 years later that I had a problem. When I asked Navient to explain I got a lot of legal mumbo speak that I did n't understand clearly. I have never clearly understood what happened. What I was led to believe was NOT what happened! It is a strain on my family. I have since re-consolidated with another company trying to take the student loans away from Navient. There seems to be a problem. It 's like Navient does n't want to let go of them. How can I move on and get this mess straightened out? My credit score has taken a HUGE hit. I ca n't rent or buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX 2017 I sent FedLoan Servicing the requested paperwork to re-certify my Income Based Repayment Plan. I received emails from them stating they received my documentation, and then another email saying they needed extra time to process my paperwork. I never heard from them again and in XXXX 2017 I was billed the monthly payment for the Standard Repayment plan ( over {$2000.00} ) which I can not afford. I re-filled out another IBR request, received confirmation they received my materials, and have not received any other documentation from them. Currently my loans are listed as " in forbearance '' (?!?!?! ) and I will be billed ANOTHER {$2000.00} in six days. I do not have this money!!!! I have done nothing wrong, I have complied with the IBR re-certification rules, and I 'm not getting ANY communication or information from FedLoan Servicing about what happened to my applications or why I am in forbearance. It is worth noting, in XXXX 2017 I applied for consolidation after learning I might be eligible. I cancelled the request after learning I would lose years ' worth of PILF-focused IBR payments. I cancelled the consolidation request in early XXXX and received confirmation of the cancellation. A couple weeks later I got notification that my consolidation applicatoin was almost complete! I had to cancel it a SECOND time on XXXX XXXX, 2017. At this time I do not want to consolidate my loans. All I want is my IBR/RE-PAYE to be re-certified with my updated income and family size and to continue paying my loans and working towards PILF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the company swveral times via certified mail in XXXX XXXX, XXXX, regarding Inquiries that were not recognizable. I also previously submitted a complaint through cfpb and the response I got was un-satisfactory.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently requested a investigation on XX/XX/XXXX and Lexis Nexis received on XX/XX/XXXX via certified mail.I am filing this complaint because LexisNexis has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that LexisNexis continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with LexisNexis and the results was the information was accurate. I directly called the Lexis Nexis telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from Lexis Nexis showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via LexisNexis. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the LexisNexis agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and LexisNexis has yet to verify. Thank you

Company response to consumer: Closed with explanation