milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: We have been using CITI banks XXXX percent cash back card for several months. Recently, we noticed a Fraudulent charge posted to our account, so we contacted CITI about it. They recommended shutting down the card and issuing us another card - which they did. We now are being told that it will take 2-3 billing cycles for them to post a temporary credit to our account. No other credit Card Company operates like this with unauthorized charges. It seems to us that CITI is postponing a temporary credit to our account in hopes we will still pay the Fraudulent charges. This is just not right. 
We have contacted them numerous times regarding this and have gotten conflicting information. In the meantime, we have deducted the Fraudulent charges from our payment. 

We feel CITI should be investigated for their poor customer service practices. 

We are considering ending our relationship with CITI.

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 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from college in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was not notified about ANYTHING from XXXX or Navinet about my loans with their company. I stayed up to date with their offices, and they knew where I was and how to contact me. They never called me, mailed anything, or even attempted to reach me by email for 8 YEARS! Suddenly in XX/XX/XXXX and XX/XX/XXXX I was harassed that I owed out the nose, was given no alternatives for repayments or potions other than {$1500.00} a month or a " reduced payment '' of {$500.00} a month that would extend my loan until XX/XX/XXXX. 
I barely make anything and have to live with family to pay my loans. more than 60 % of my income a month goes to Navinet to repay the loan, and they offered no alternatives. They harassed my co-signer, and they threaten legal actions. I requested what options they could give me and was told more than once " We are a private loan company. We do not have to offer ANY programs and can take you to court to freeze your assets until you are paid off. '' With their actions I borrowed {$50000.00} and will repay nearly {$200000.00} now due to their FAILURE to contact me. They even threatened to take legal actions again my mother, who co-signed for {$10000.00}, and is now estranged from me because of the hostile actions of this company. THey refuse to acknowledge that I am on a low income and keep telling me that I need to find a better job. I already work 40+ hours a week for {$12.00} an hour, where do they expect me to find better work WHEN I CAN NOT GO BACK TO COLLEGE BECAUSE OF THEIR ACTIONS AGAINST ME?

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 I called my loan servicer ( SLS ) to advise them that I would be sending a {$5000.00} payment to be applied towards principal as my regular payment of {$2300.00} would be paid via ACH from my checking account on XXXX/XXXX/2016. I sent the principal payment on XXXX/XXXX/2016 via XXXX XXXX XXXX, which was received by SLS on XXXX/XXXX/2016. I logged in to their website on XXXX/XXXX/2016 and noticed that the {$5000.00} was not applied to principal but rather posted towards future interest payments. I called on XXXX/XXXX/2016 to have this fixed. I was told it would take one day to fix. On XXXX/XXXX/2016 I noticed that this was still not fixed and I called again. I spoke to an agent and asked to speak to Executive complaints. I was transferred to XXXX. He reviewed all the information and claimed that this would be fixed by Monday XXXX/XXXX/16. I checked again this morning, and this still has not been fixed. I called again and was immediately transferred to XXXX in Executive services and he informs me that this would be fixed by XXXX/XXXX/2016. I mentioned to XXXX that this is fraudulent for SLS to post my {$5000.00} to future interest as I called prior to sending the funds an advised them to post this as a principal paydown. I also feel this is fraudulent as any responsible bank would apply these funds to the regular payment and the excess to principal which SLS also did not do. Upon researching SLS, they seem to have an extensive history of misapplying funds and also not having adequate follow-up on issues. I wish for CFPB to investigate this matter and to also look into SLS accounting methods as they are not in the consumer 's best interest. I work XXXX and as such I am very familiar with lending and resolution practices. It is clear to me that SLS is not a mortgage servicer that is compliant with running an ethical business.

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 06-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent a certified letter that the debt they are collecting is not mine and I have gone through this issue already with the original debtor and other credit agencies. I told them to stop contacting me, but they continue to call my multiple times a day at my home, on my cell, to my office ....

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 05-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Hello this account was opened in   XXXX   in  XXXX   XXXX  I live in  XXXX . This person opened this account was not 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 01-04-2017 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan from XXXX XXXX XXXX based on an offer that came in the mail. I did this in a hurry and signed online electronically agreeing to make payments by automatic with drawl from my checking account in the amount of {$220.00} per paycheck every XXXX weeks. I was granted a {$900.00} loan and have had XXXX payments of XXXX dollars and see I still owe {$1100.00} on the loan. the interest rate is XXXX %. I feel charging this amount of interest should be illegal as I feel I was taken advantage of. However I singed electronically and the form that came in the mail states they are protected by independent regulatory body of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with The CMI Group, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency, Credit Management, is reporting to XXXX a debt I do not owe. I sent them a letter requesting validation of the debt and they did not respond. I do not owe the debt being reported. The debt is for the original creditor, XXXX XXXX. I currently have service with XXXX XXXX and they do not show that I owe them anything other than my current bill with them. I have uploading a copy of my current XXXX billing showing I do not owe a past due amount. XXXX XXXX recently changed their name to XXXX but it is the same account. It is common knowledge that XXXX XXXX does not allow people to open a whole new account if that person owes them a previous bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all three Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit card () with Colony Brands, Inc. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone stole my identity and used it to open a fraudulent credit card with Montgomery XXXX to purchase merchandise. The first time I heard about, I received an invoice from Montgomery XXXX for products that were shipped to a different address than mine. That should have been a " red flag, '' which they ignored. I contacted them by telephone to advise them about the fraudulent credit card. They promised to take action and did nothing. Since advising their credit department, I have written several letters explaining the situation. However, they actually let the criminals charge more goods, and continue to send me invoices and reminders about payment. I am at wits end. Today, I received a letter from them stating that they have heard nothing from me, which is a lie. I believe they have tossed my letters into the trash and continue to harass me. I wonder if Montgomery XXXX is a legitimate retainer, or a scam organization. Please let me know what I have to do to get these predators out of my life.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 05/13/2016 about Debt collection (Medical) with MERCHANTS ADJUSTMENT SERVICE, INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company continues to try to collect a medical debt that was covered by my health insurer. I have not seen evidence where they filed or sent me a bill to cover their charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have a capital one business credit card. I paid the balance off in XX/XX/XXXX to a XXXX balance .I did not receive a statement from capital one. I checked my credit in XX/XX/XXXX and discovered that capital one reported a 60 day late charge. On XX/XX/XXXX I called capital one. I was told that since my email was not opened from them regarding statements they discontinued sending paperless statements .They wo n't send a statement in the mail if I signed up for paperless. I advised them I have not been late on a payment before and if I am not informed of a balance by statement the bill will go unpaid. The charge was a revolving $ XXXX daycare that should have been discontinued. Due to not receiving a invoice paperless and it not defaulting to the mail I was not aware of a balance and it dinged my credit XXXX points and more than {$250.00} in late fees. I spoke to a rep and a supervisor and account manager and was told by Capital one they do n't send an invoice if the email goes unopened for a period of time. I asked them why they would not call me or send it the mail and They could not provide me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: JP MORGAN CHASE AUTO FINANCE DEPARTMENT APPROVED {$18000.00} ,72 MONTHS TERM .ON XX/XX/2017 I PUCHASED A XXXX XXXX XXXXXXXX XXXX AFTER PRINTING THE APPROVAL AND TAKING IT TO XXXX XXXX . 
CHASE SENT A NEW LETTER TO ME ABOUT THE LOAN STATING XXXX XXXX HAD THE AMOUNT WRONG AND THEY WILL NOT FINANCE {$18000.00}. 
XXXX XXXX FINANCE DEPARTMENT STATED CHASE PAYED THE {$18000.00} IN FULL. 
I NEED TO UNDERSTAND WHAT ARE MY TERMS AND THE CORRECT AGREEMENT FROM JP MORGAN CHASE? 
NO ONE CAN TELL MY THE CORRECT AMOUNT IM PAYING MONTLY? 
AND AFTER THE LOAN IS PAID OUT WILL I STILL OWN FOR MY TITLE?

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts and they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the XXXX Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I had a synchrony credit card and XXXX XXXX credit card where I made a XXXX $ minimum payment I recently have gone through financial hardship and have been late on making a few payments. I was struggling with making payments on student loans not understanding credit at the time.

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 02/19/2017 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection Agency refused to accept certified Validation of Debt letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a voicemail message on XXXX XXXX, 2016. The message stated that the caller was calling in reference to a complaint pending against me in XXXX XXXX. The caller stated my name and left a call back number. The caller also contacted XXXX family members on this day leaving the same message. On XXXX/XXXX/2016 the caller contacted another family member with the same message and called me. I answered the call which was a recording and then called the call back number. Upon speaking to a male representative, I verified my name and asked to have my number and family member 's number 's removed from the call list. The representative stated that I was upset that the company had called my family and needed to stop running from the situation. I continued to insist that our numbers were removed and the representative hung up. I called back and spoke to another representative, XXXX XXXX. I again requested to have our phone numbers removed and was told that I was not able to do have them removed and that I was " not in control '' of the situation. The representative, XXXX XXXX, proceeded to tell me that I owed money that needed to be paid. I explained that I was aware of my rights to have my number and family members number removed. The representative became noticeably upset called me a " thief '' and hung up the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery refused to send documentation of original debt : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reached out to the XXXX XXXX several times over the last year. I have asked them for proof of this debt ; I have asked them for proof that I owe them ; I have asked them if they are license to collect this debt ; I have informed them that this debt does not belong to me. This company has refused to respond to my request. This account should be removed from my credit reports immediately. This is a violation of the FCRA. This company should be fined for not yielding to the federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company has unlawfully and negligently listed a medical debt through XXXX XXXX XXXX for {$50.00} without sending me the Florida and federal legally mandated required notice of assignment giving me the 30-day right to dispute. This company has a history as listed with the XXXX XXXX XXXX of listing debts without following Florida law. The law that I'm representing is Florida statute 559.715, which states that any debt collector must within 5 days of receiving it as a debt send out a letter to a debtor letting them know that they have 30 days in which to dispute the validity of the debt before any lawful collections can occur. By this company listing the debt on my XXXX credit report, they have engaged in the collection of a debt without following either the Florida consumer collections protection act or the fair debt collection practices Act. my rights under state and federal law have been violated. This company operates as collection information Bureau and also as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing disputes

Complaint: The minimum payment on my Walmart credit card is XXXX according to their web-site, the attached screen shot shows XXXX due on XXXX. However, payment options below offer a different minimum payment in the amount of XXXX. I previously paid XXXX on XXXX, I believe XXXX was minimum amount due last month. I did schedule a payment in the amount of XXXX on XXXX. I did not check for a late or over limit fee, however, I should not be charged one as their site is indicating a different minimum payment due. A previous complaint was made in regard to their high minimum payment due, Ive been trying to catch on up several credit accounts as I have fallen behind to due to several medical bills incurred by my mother who I take care of. I have several other accounts with Synchrony Bank including JCPenney, Toys R Us, Amazon. Most recently, my Banana Republic account was paid off, however, still closed. I have not checked into these accounts so I do n't know if the same situation in regard to payment due is happening with them as well.

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 04/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Transunion XXXX total, different disputes by XXXX by certified mail and XXXX by USPS, however, they answered only XXXX within the 30 day window and have not answered or even given responses to the other XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Some one had stole my identity and got electric service in my name i filed a complaint with the company they investigated and found out it was identify theft and removed it from my account.

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