milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: Citi Double Cash credit card gives you 2 % cash reward ( 1 % when you make any purchases and another 1 % when you pay the balance. ) I bought a phone from XXXX XXXX using XXXX credit card. When I returned the phone, an XXXX staff asked me to give him a card so he can put the refund money on it. Because of my confusion of having too many cards, I gave him my Citi Double Cash card. 
When the {$1000.00} refund transaction was clear, Citi thought that it was a refund from my using their credit card, so they deducted {$4.00} from my cash reward balance instead of giving me {$9.00} more ( I spent {$540.00} on purchases and paid {$350.00} I owed them. ) Thus, my total loss was around {$13.00}. 
I called Citi and explained, a guy ( I ca n't recall his name ) said he did a dispute, and I could expect to receive {$15.00} back in XXXX5 business days. 
Today XXXX/XXXX/16, I called back asking why I have not seen the {$15.00}. Another guy said he was not able to find any disputes on my account, which means the first guy lied to me. After talking to his supervisor, this guy said they refused to give me the money. 
I think this is absolutely wrong. The amount of {$1000.00} was not from Citibank. I did not use Citibank 's credit money to make the purchase. It was supposed to be considered as 'payment ', not 'refund '. Thus, they had no rights to deduct anything from my cash back reward. Please help me work out a solution with them. 
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 monetary relief
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally.

XXXX  ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX  and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service.

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX   doesn't have any documentation, where I have agreed to service or signed for service.

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 06-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Settlement process and costs

Complaint: I began the mortgage process with Bank of America in XXXX 2016. I had been given a closing date for my house 3 separate times. The last two times I was told of a closing date, I did n't find out until the day before, and one even the day off. I was assured over and over that I would be closing. The bank lied to myself and my realtors about information they sent out to previous apartments I had lived in, saying they never heard back from them and that 's what the hold up was. I called both my old apartments, and they both said they did n't receive anything from the bank until 2 days before I was set to close, when the bank told me they had sent it out weeks before. They said that was the only thing holding the closing up, and yet days later I receive an electronic message saying they needed more information/paperwork from me. Every week they tell me they are all set with things they need, yet I keep receiving something new they need from me. Because of the bank and their horrible lying/slow process, I did not close on my home before XXXX XXXX, so now I will have to pay 30 percent more in my taxes. I call/email my mortgage person and his boss, and do not receive a response, they ignore me. Also I went with a program that requires only 3 percent down at closing, yet my closing costs are skyrocketing each time I get paperwork from them, and we are now far over 3 percent.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

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 10-05-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I am having difficulty shaking Citibank interest charges, and their incompetence is perpetuating the problem. 

I sought to make XXXX payments to my citibank credit card account ending in XXXX today, on the closing day of the billing period. It is necessary to pay before closing date in order to avoid interest charges. 

I made XXXX separate payments. I attached the correct payment stub to each check - see EXHIBIT A. XXXX checks, XXXX payment stubs. The payments were Personal Check XXXX for XXXX made payable to Citibank XXXX, Business Check XXXX for {$1200.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT B ) and Business Check XXXX for {$7700.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT C ). 

The payments were tendered to the XXXX, IL branch of Citibank via their night drop slot. As of midday today, they had not posted to my account. I called the branch and they erroneously stated that the deposits would not be visible on the Citibank XXXX website until next day. I knew this claim to be false because previous payments have appeared immediately. I asked XXXX and XXXX to fax me deposit receipts. I must have called between 5 and 7 times. They said they would provide receipts, but they failed to do so. 

After the branch had closed, my deposits appeared in the wrong account. See Exhibit D. Despite the checks all having the account number on their face and despite the fact each check had a payment stub with the correct information on it attached, they deposited my funds to the wrong account. INCREDIBLE! 

I called the Citibank call center and explained that the mis-posted payments would result in me incurring & gt ; {$1000.00} in interest charges which would not be incurred had the branch employees been incompetent. I asked them to transfer the payments to the correct account. They responded that it would take 2-3 days to process the credit. 

I do n't know how Citibank employee compensation works. Could it be that Citibank rewards employees for generating interest income? Could it be that the employees had an incentive to post my clearly-labelled payments to the wrong account? I have no way of determining that. But I do notice that statements arrive later in the month when I am carrying a balance than they do when I am not. It seems likely that Citibank intentionally delays statement mailing to maximize interest charges. 

Back to the current problem : Citibank clearly made a HUGE error here. I need them to post my payments to the correct account effective XXXX/XXXX/16, not two or three days hence. And I need them to reverse any interest charges which appear on the statement which will be generated this evening.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion keeps ignoring me and not fixing anything. I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. Inquiries 1 )  XXXX ( XX/XX/XXXX ) 2 ) XXXX/XXXX ( XX/XX/XXXX ) 3 ) XXXX/XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX/XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/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 11-03-2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Credit determination

Complaint: Chase informed me yesterday that I had to pay a debt that they say I had in the amount of {$2000.00} in order to have credit. This is discrimination. Please read everything here. Chase placed a 30 day late payment on my account ending in XXXX and I am requesting full documentation on this incident since the opening of the account and the removal of this from my credit reports. This was a new Slate card just opened and I never received any kind of statement of notification on this new account. I was also charged a late fee at the time and contacted Chase. They realized their mistake and removed the late fee but refuse to remove the XXXX late on my reports. I have been in the banking industry for years as Credit Manager, Supervisor, Underwriter and this is just wrong by Chase. I also need this info to present to my attorney for action toward Chase. I responded to Chase 's email yesterday and contacted them by phone about this 30 day late again and they refused to do anything. I have been trying to resolve this for quite some time with no luck. I closed all my accounts with them because of this incident over XXXX in credit. Yesterday by phone they informed me of a specific debt collection on a Chase account that I have no idea what it is and they informed me is was a converted account through Chase but they had no idea what it was. Chase must really have issues, here is my question. If I had a collection for an account through Chase some 15 years ago that was never collected on, why would I then be approved and have XXXX cards through Chase with limits over XXXX after the fact? I asked them that question yesterday to only get no response on the subject. One of the many representatives did comment however that it makes no sense and she had to refer me to another person. Also payments were always made on time on all my XXXX cards through Chase. What is going on over there. Please send me info on this other account you say I had and remove the 30 day off my account ending in XXXX. This is a great example of bank corruption and how it negatively has an effect on the consumer who gets the blame. This is discrimination and defamation of character to the consumer. How can Chase issue XXXX credit cards that I have had for years and then give me the reason for denial of credit because of an account I have no idea about that was in collection so they say but have no idea. I have worked for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Chase has issues and very very poor customer service. Why if I was so wrong would I close all my accounts through them? I can not believe they can get by with things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My son attended XXXX University XXXX I was remarried to a man who was not helping me pay for my son 's college. But the financial aid department ignored my letter stating this fact and included his income in determining my son 's financial aid my son took some loans in his own name and I unfortunately took Parent Plus Loans. This being said my son went to XXXX school and took loans for that too so therefore he can not help me. When Navient had my loans at XXXX at a good interest rate of 2.5 % XXXX at the horrible rate of 8.5 % when I told them I could not afford the payments of over one thousand dollars a month for these loans they suggested forebearance and of course interest accrued on these loans. When I came off forebearance I consolidated the XXXX loans at 8.5 % the first year the put me in a pay as you earn payment plan to be revisited each year with that plan the loan were affordable. When it was year two I had to send my tax returns in and my payment went up drastically when I called for an explanation I was told they made a mistake the previous year that Parent Plus loans do not qualify for Pay as You Earn Repayment Plans only Income Based Repayment Plans. They said based on my Tax return I could afford the payment ... ..they do n't consider all my bills. I have already been in debt management after divorcing the man who ruined me financially. My first husband died at a very young age leaving me to raise my son and my XXXX daughter alone. That is why I went for the loans to give my son the best education I could, not realizing what those loans were actually going to do to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX, XXXX, TRANSUNION All 3 credit  reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Having checked the Equifax website to see if my information is at risk, I wrote to have my account frozen. I understand that, typically, this service costs up to {$10.00}, but I read tonight that they are charging {$30.00} for this service. The people who treated my confidential information carelessly are now going to charge me {$30.00} to try to protect it retroactively. NOT TO MENTION that the company waited for weeks to disclose the loss and is not forthcoming about what information was lost. OR the fact that their executives sold their stock before announcing the loss. INBELIEVABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 10-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Bank of America has stolen money from me for years, but now I have proof. 
I was sent {$200.00} and {$100.00} by way of their banking app and never received the money in my account. I have done this numerous times over the past year, and it has worked fine. But for some reason, now, the money is not coming into my account. I have already spent a few hours on the phone about this and they continue to tell me they do n't see anything. I have pictures from the individuals ' accounts who sent me the money confirming the money left their account into mine. I have given confirmation numbers for both transactions and the bank told me those are n't good for anything.

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 Mortgage (Other type of mortgage) with LoanCare, LLC (MA).
Issue: Trouble during payment process

Complaint: In  XXXX  we had a fire that gutted our home. Fast forward to a month ago the insurance company finally sent the insurance claim funds to Bank that holds our mortgage ( which in this case  is Loan Care LLC ). For the last three weeks we along with our public adjuster and contractor have been on the phone with Loan Care because they are refusing to release the funds. Please see the attached document with a detailed time line of the situation.

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 01/18/2018 about Debt collection (Other debt) with ERC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing this complaint on behalf of my clients. XXXX XXXX of XXXX XXXX XXXX XXXX, New Jersey XXXX. They are from XXXX and speak a limited amount of XXXX. The clients retired and could not longer maintain the mortgage. Clients stated they attempted to sell the property but the market during that time was too low and they were unable to get their asking price. 
Clients state they asked for a short sale, but was never provided information on a modification or any retention programs offer. 
When they came to XXXX, they had received some terrible advise. They had filed bankruptcy, and had limited amount of savings. 
Once I investigated the information provided and back tracked to Penny Mac, what they did do to attempted to do to assist the clients I found the following : They were sent to a translator that only spoke XXXX as a second language, They were never provided information to obtain a modification, forbearance or mediation in a timely fashion. 
The attempts I have made to assist them has been met with phantom phone numbers to attorney 's and letter send after the fact. I spoke with Penney Mac to attempt some relocation funds in XXXX. The sent a letter when we clearly stated they would be out of the country to attend, to an ailing mother. So the offer expired prior to their return. 
The Client has been issued a eviction but was not Offered any assistance they could use in a timely fashion. 
I believe they are not acting in a fair business manner as it relates to these clients. I have tried to contact agencies in their area, the attorney XXXX XXXX and leave messages with no answer. 


Thank you for any assistance you may be able to provide to XXXX XXXX and spouse. 

XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.

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