milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Privacy

Complaint: I have XXXX credit card accounts with USAA. XXXX is a mastercard, ends with XXXX. 
For some reason, USAA blocked me out of the online service for " identity '' reasons. This has been going on since XX/XX/XXXX. I called and gave them every form of identity info ( social security number ) and the works.Then they required to fax them my military XXXX paper ( XXXX ) and my military ID card but after all that, they are demanding a " copy '' of my social security card which I refuse to give them, because I am a victim of identity theft through a financial institution, but still demand my SS card and deny me access to my account online as well as refuse to send me paper statements after my request in XX/XX/XXXX. I attempted to close the account so I obtained a balance and paid it off within 48 hours. They acknowledge my payoff payment but refuse to allow me to close the account. There is something going on ( being charged ) after I cut up my card. I am not making any payments after the payoff but the credit report showed a {$10.00} balance in XX/XX/XXXX. I called in and disputed the charge and requested to close the account. Today, the balance is now {$53.00}. I made one last attempt on XXXX XXXX, spoke to XXXX XXXX. He said that his supervisor said " copy of my social security card is needed ''. I then informed him that I will file this complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2017 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: I was offered an informal forbarnace on my loan due to the the impacts of Hurrican Irma on our area in Florida. I have submitted documentation and loss mitigation request packages numerous times to try to get on a repayment plan to bring the loan current or request a modification, or simply an extension of the forbearance until XX/XX/XXXX when I will receive my delayed bonus in order to bring the loan current. I have received little to no response and communication from SunWest and promises for call backs and assistance that have gone unfulfilled. At this point, the forbearance is up XX/XX/XXXX, and I have been trying all week to get answers on what I can do to ensure my credit is not impacted and how we can work to bring the account current. When you call the loss mitigation and customer service departments, you sit on hold for 5 min and then are automatically dumped into a voicemail box. I am out of options and am simply trying to ensure that I can work to bring my loan current as soon as possible. I have diligently been trying to work with them for the last 60 days and it seems they are ignoring my requests so that the forbearance will run out and they can asses late fees and impact my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened a New CitiGold Checking Account online http : //www.offer.citibank.com/ with a promotional code XXXX for a bonus offer. The bonuses offered XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. 
I called Citigold right after I applied the account on XXXX/XXXX/2016 to ensure that I am eligible for receiving the XXXX AAdvantage bonus miles, I confirmed with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements XXXX/XXXX/2016. I was asked to provide my XXXX XXXX account number to Citi so they would be able to credit the miles. 
When the miles had not posted a few days after the XXXX, 2016 statement, on XXXX/XXXX/2016, I called Citi to follow up on receiving my miles, The Citigold representative confirmed that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. 
However I was then informed by Citi on XXXX/XXXX/2016 that I was not eligible for the promotion since " There was not a promotion offered in conjunction with the opening of your account '' ( see attachment ). 
As stated above, I met Citi 's requirements and was eligible for the promotion as I was adhering to their terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while I still keep an outstanding balance in Citigold account per their request to avoid the monthly fee. 
This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. 
I am a consumer who has been a good customer of theirs and has never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other resources. Thank you.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan started with XXXX XXXX and Navient became my servicer and failed to contact me to notify of the change. I was in default I was asked to pay 9 months straight to clear my credit when I called to have this consolidated via XXXX. I paid the 9 months on time and then they told me the loan was transferred to someone else and they could n't fix my negative standing with the bureau. It 's been difficult for have any reliable and useful help from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told them repeatedly to stop calling my employer, they continue to call and are verbally abusive

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: There are two issues. One is the validity of the debt, and the second is the fact that I asked them to stop contacting. I sent a letter certified, return receipt asking them to stop contacting me. They continue to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Settlement process and costs

Complaint: I had a really great experience with PNC Mortage on my home loan. Who do I call and complain tio about good service and low rates. I don ' t even understand how a bank would make a loan at 2.99 % or 3.99 % and tie up their money for XXXX ur XXXX yrs at such low returns. 
Would you inves your money for a 3 % return and wait XXXX or XXXX yrs to get it back Seems odd? Why would they lend money at such low rate of interest? Please share this compliant with PNC. They gave me great service! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. 

I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. 

I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. 

Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Other

Complaint: I have a 0 % promotion on my Bank of America credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Bank of America was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Bank of America was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Bank of America again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Bank of America in regards to this issue and have been continually put off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello - I have requested TransUnion to remove account number : XXXX off my credit report for over 60 days. I have a letter from XXXX XXXX XXXX request the removal and TransUnion has not honored the request. This is stopping me from buying a house and I request this account be removed ASAP! I have attached the letter from XXXX XXXX XXXX for support.

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 08/30/2017 about Payday loan, title loan, or personal loan (Title loan) with Presto Auto Loans, Inc. (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: on XXXX. 2014 I stop paying a tile loan. I call the tile loan office because I had a financial issue. the loan company and I never could get it resolved. there was a period when I made some payments after but the interest kept going up. that 's when I got into a deep financial hardship. now present I 've reach out to the collect department and I was told that I had to pay full amount that was is pending on loan, plus interest. My defense is are they allowed to collect the full amount and interest? .. after it shows a charge-off on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A letter written by XXXX XXXX, the creditor, dated XX/XX/XXXX, was sent to all credit reporting agencies advising them to change our credit history for them from " negative '' to " positive! '' Yet, my XX/XX/XXXX Credit Report by TransUnion is still reporting the account as " negative! '' No other credit reporting agency is reporting XXXX XXXX negatively ; they corrected the status in XXXX, as stated in the letter from XXXX XXXX! 

I went online to dispute this erroneous information XXXX XXXX and XX/XX/XXXX ; I sent the support documents XX/XX/XXXX XXXX XXXX Mail via " Certificate of Mailing. '' I called TransUnion today, XX/XX/XXXX, and spoke with XXXX initially, then I spoke with her supervisor, XXXX. He admitted receiving and looking at the support documents I submitted, yet he refused to change the status from " negative '' to " positive '' per the creditor 's instructions in the letter! The other XXXX credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX had this information changed in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my student loans through XXXX XXXX then Navient since XXXX. For approximately the first 12 months they applied more to my subsidized loan than the unsubsidized loan that had a higher interest rate. Navient eventually did start applying more to the unsubsidized, but only recently. Since the beginning of my repayment, the interest that I pay each month varies dramatically, in return the amount that is applied toward my principle also varies wildly. My concern now that the recent lawsuit has come against Navient, considering they have been my only servicer, that I could have been misinformed of the most efficient and quickest way for me to pay off my debt. I have been paying far more than my minimum payment since late XXXX and have seen my balance hardly decrease over that same time. How can I make sure that I have n't been mislead? How can I trust that what I am going to be told if I call Navient is honest? Can you help? 
I work for a company that was recently bought by Navient. PLEASE DO NOT GIVE ANY OF MY PERSONAL INFORMATION TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Private student loan debt) with NELNET, INC. (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My daughter was attending college up until XXXX, I had moved from Minnesota to Virginia in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Today XX/XX/XXXX I had my credit ran at a local dealership and it still showed that I have a car loan on my credit from a car I no longer have.

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 04/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Ref  : Complaint Number   XXXX   Wells Fargo Home Mort gage provided an answer to above captioned complaint, but did not address the complaint.     My complaint invo lved Wells Fargo 's alleged fr aud in forcing me under threat of foreclosure to take an ARM with sharply increasing interest rates to replace a  XXXX   XXXX   XXXX   while a federal law suit addressing  XXXX  was in the process of being settled. The settlement terms were announced shortly after I was pressured into signing the agreement to t ake the ARM. One of the settlement terms was the exclusion of borrowers who received a subsequent mortgage. I allege that this was a deliberate act to exclude certain borrowers from the benefits of the settlement. Subsequently I received notice from the settlement administrators that I was eligible for a mortgage modification ( MAP2R ) which eliminated accrued interest and reduced the principal. I was told by the bank that I was not eligible. My home has been foreclosed and a sheriff 's sa le is imminent. The bank refused to discuss a modification of any sort except a HAMP modification for which I am ineligible.     I believe fraud is a criminal act and should involve a criminal investigation.

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 02-01-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I sent Bank of America a letter of intent to recast my mortgage, a certified check to be applied against my principal and a seperate check to cover the recast fee. Both checks were received and deposited at the end of XXXX, over a month ago. I contacted BOA in early XXXX to request a status report. Was told they lost my letter of intent, faxed another letter of intent. Called a week later and was told that the back office team had not assigned the request for recast. Was told that a specific request to assign the recast would be made that day, XXXX XXXX. Was told that it would take two weeks to complete the recast. Called back a week later and was told that the recast was assigned on XXXX XXXX and that they had two weeks to complete the process. Confirmed with Customer Service that " back office team '' had everyrthing they needed. Called XXXX XXXX and was told that no information was available from " back office team '' and could not confirm the status of the recast. Was told an " urgent request '' was being sent to get the status of the case and to call back the next day. Called today, XXXX XXXX, was told no information was received from " the back office team ''. Customer service rep agreed to contact her Manager to have her intervene with " back office team ''. Customer service rep created a direct request folder and gave me the number to consolidate all efforts to get any response from the " back office team ''. Agreed to call back this afternoon.

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 03/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Fraud or scam

Complaint: I was told I would receive money from the government in the amount of XXXX and that all I needed to do is go buy a prepaid steam card call them back and give them the money to insistently fix my credit so that I my received this money. I have asked them repeatedly to QUITE CALLING MY NUMBER and they refuse to quite harassing my family and me. This company has contact me 3 ( THREE TIMES ) times todays and each time they have called I have asked them to NOT CONTACT MY NUMBER AGAIN but they ignore my request and call anyway for a number that one day says XXXX XXXX and another day it says Wireless Caller same people, who sound like they are from XXXX. The people speaking have a XXXX accent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMAIL : XXXX XXXX Tue XX/XX/2018, XXXX XXXX  XXXX ; Join to Our Program XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( address ) XXXX XXXX XXXX XXXX  XXXX XXXX, IL 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