milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Rewards

Complaint: CitiBank ran a credit card promotion on XXXX XXXX XXXX, the promotion offered " XXXX ThankYou points after {$0.00} spent in 3 months '' when applying to their Citi ThankYou Preferred Credit Card. I applied to this card online and was approved. 
Upon receiving the card, I noticed the written promotion became " XXXX ThankYou points after {$1500.00} spent. '' I called CitiBank, and was told the original promotion was " their mistake, '' but they would honor it if I faxed in the screen shots showing the terms of original offer. Furthermore I was told if I spend {$1500.00} or more, I would be awarded XXXX points ( from the original offer ) and an additional XXXX ThankYou points ( from current offer for spending {$1500.00} ), essentially make the promotion to be XXXX ThankYou points rewarded after {$1500.00} spent. 
I faxed in the screen shots of the original offer in XXXX XXXX. And within 3 months, I spent the {$1500.00}. However after 3 months I noticed I was awarded XXXX points instead of XXXX. I called CitiBank, but was told that the additional XXXX points are being processed separately, and it will be deposited into my account likely within a month. So I waited another month, and when no points were deposited I called back again, and was reassured again that they are still taking corrective actions but needed another month. This continued every month for the next several months -- each time I called back they would assure me the same -- until XXXX XXXX. When I called in XXXX the representative on the line told me since they had already deposited XXXX points, they consider my case to be " corrected '' and no additional points will be awarded. When I mentioned that CitiBank has been promising XXXX points all along for the past 7 months, the representative refused to acknowledge and said she considers my case has been resolved. 
In summary, CitiBank first used false advertisement to get people to apply to their credit card. After the card mailed, they claimed the initial offer was " a mistake '' and promised a resolution to get people to spend money on the card. But after their customers meet the spending requirement, they refused to honor their promise.

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: called on friday XX/XX/XXXX and spoke to a representative, before he humg up on me i explained to him that i never consented to any hard inquiry for any card, i never signed an agreement, or understood any agreement that may or may not have been acknowledged on my behlaf

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 11-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My loan balance grows each time I log into the website and check the balance. I do n't understand why the loan balance grows if the interest due is paid with each monthly payment. If the loan balance is growing then my student loan is a negative amortization loan which does n't make sense as these are fixed rate loans and I have a set 10 year term. In addition, each month since I entered repayment I have paid extra toward the principal. I always select the option " I want to make my next scheduled payment ''. I never elect for the overpayment to advance my due date since I always want the overpayments to go directly to my principal balance. Navient always skips my payments on the loans that I overpay. For example, if I have 4 loans and overpay 1 I only receive payment notices on the remaining 3 loans. Navient is not following my direction and instead isapplying my overpayments so it advances my due dates. I would like the following to happen if possible : Can my loan balances be audited to find out why my loan balances keep growing and to find out why Navient is applying my overpayments to my future payments rather than my principal balance?

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been receiving demand letters from Nationstar every month, for over a year. Same letter but amount we owe changes every month. We have asked Nationstar countless times to explain how & why they came up the amount they say we owe ... They say we are missing previous month 's payment yet we have sent in payments & they have been cashed & cleared every month. No one at customer service can give us a straight answer. They say research department will get back to us but we never ever get a call back. We feel we are being progressively harassed every month. 
Want to see our payment history, where our payments being applied to. If missing payment, tell us which month we will provide copies of clear check.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I disputed a claim with Chase bank for a  XXXX  transaction through  XXXX   XXXX  that was a scam because I did n't get what I paid for so Chase sent me a credit of  XXXX  and then they took the money out of my account again because they could n't reach a comrpromise with  XXXX   XXXX  which is wrong because it 's my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 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 10/19/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: Applied to Suntrust Mortgage on XXXX/XXXX/16 to refinance our Suntrust Equity & existing Mortgage w/Seterus XXXX. The existing Equity expiring XXXX/XXXX/16 with a higher interest rate Plus a Revolving Line of Credit Fee. 
A check for {$500.00} was written for an appraisal, We received our contract via XXXX everything was moving along fine, Suddenly XXXX XXXX was not returning phone calls, We received a letter from XXXX XXXX Banks requesting a third copy of our personal information and was later told XXXX XXXX was no longer with Suntrustt and could not find all the files previously sent. At this point we decided to refinance with XXXX XXXX and was told the appraisal was no longer valid and another appraisal was required. 
. 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 explanation
Consumer complaint received 02-03-2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Payoff process

Complaint: Synchrony Bank/Care Credit ... I went to the dentist for a procedure in which they opened up a Care Credit account ... The account was at 0 % interest and payments were supposed to be made monthly until complete ... I made all my monthly payments, to include on time ... After paying on the account for 12 months, I called in because I had an additional bill and I was told that the account had been charged interest since it was not paid in full in 12 months ... I never received any paperwork stating this would be case nor was this information disclosed to me on month XXXX, XXXX, XXXX, etc ... After all the penalties, interest, etc., I was told that my remaining balance was {$1900.00} ... The initial balance when opened was {$1600.00} and I had paid that all the way off minus {$100.00} ... After explaining to Synchrony the situation and requesting copies of the contract that stated I had 12 months to pay in full, they never sent it to me ... I requested several times over the phone and 3 times certified letter ( all of which were ignored and not responded to ) ... They never sent me the original contract ... In addition, I was told by management that I would be allowed to pay the remaining balance in full ( {$100.00} ) and I should receive a new bill with the final amount within a couple weeks ... I never received a bill and a month later, I noticed they charged the account off and placed it on my credit ... This account was originally for {$1600.00}, I made monthly payments for 12 months at 0 % interest and had a short balance, and now they 're saying the charge of amount is {$2200.00} ... It does n't add up, to include they do n't have my original application/contract.

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 01/23/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. Until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.This account is being reported by Equifax as " OPEN '' while all other Credit Reporting Bureaus it is reported as " CLOSED '' Equifax is to explain why?

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Auto) with Ricart Financial Services (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2013, I had a car repossessed. The car was sold and the debt was paid. Today I got a notice that on my credit report there was a new repossession with a company called XXXX XXXX XXXX the original XXXX that was settled 3 years ago and has been reflecting on my report as a repossession was Central Ohio Credit Corp. I do n't have a " new repossession '' this took my credit score down XXXX points and they also made a hard inquiry on my report that I did n't authorize. This information is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Servicer has changed address to send payments to without informing me causing payment processing problems, for which servicer is attempting to blame me. 
Loan servicer has improperly reported me to credit bureaus as late or delinquent when this is not the case. 
I am presently current in my payments per loan agreement, but Servicer continues to harrass 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent  XXXX  certified letters to each reporting credit bureau agency  XXXX ,  XXXX , and Experian on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record in formation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is  making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.

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 03/23/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hunter Warfield was not my oringinal collection agency it was XXXX XXXX   which means XXXX XXXX wrote off my debt in their tax return and the contract was canceled with XXXX XXXX and I shouldnt owe Hunter Warfield anything. I spoke with Hunter Warfield twice to reduce the amount to pay because with the negative payment on my credit I am unable to quailfy for another house. The customer service representative only reduced it by {$50.00} dollars.

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 03/16/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MN).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage with Freedom Mortgage and back in XXXX I was going thru a custody battle with one of my child 's fathers in which I was court order to go to mediation. This required me to use a whole pay check ( had to bring cash ) to pay for it. XXXX dollars plus I incurred more lawyer fees which set me back and I have struggled to catch up. I called to make arrangements and explain my situation to the mortgage company. A friend of mine told me to ask for a modification. At no time did anyone tell me about FHA loans and the partial payment. I began sending the information they requested in XX/XX/2017. I continued to make payments as I was able to. I also took on a part time job in XXXX to help bring up my income. I sent in a letter of hardship and other documents and since then I feel as if they have been giving me the run around. There is always something missing and I swear I have filled out the XXXX form and sent at least 5 times. I now sent them a check for XXXX dollars as of XX/XX/XXXX I owed XXXX the XXXX was sent in XX/XX/XXXX and I called and told them the rest will be coming on my next pay day and they still have to cash my check and have now sent my loan to foreclosure. So now I am occurring attorney fees as well. I am a single mom of XXXX children and I very much want to stay in this home. I was going thru a hardship one that I think should of qualified for the fha partial claim money. I want to have this looked into as soon as you can. Thanks so much,

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 08-08-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I pulled my credit report while saving to buy a home and found 2 items in collections. Both items in collections were from Debt Recovery Solutions for debts that occurred in XX/XX/XXXX. The amounts were for {$740.00} and another for {$59.00}. I called the debt collector and came to an agreement to settle the debts for {$290.00} and {$44.00} respectively. I paid them immediately over the phone and received receipts via email. Within a week the original debt for {$740.00} was cleared off my credit report. A week later I received a letter from Debt Recovery Solutions saying I never paid the {$44.00} for the {$59.00} debt. I called the agency and provided them with my confirmation number from the payment that I had already made, at this time they brought up another debt from XX/XX/XXXX that I was not aware of, I told them that I could not make payment on that debt at this time. Two weeks later my credit report was updated, the original debt for the balance of {$59.00} was cleared off and a new debt for {$440.00} was added which is the remaining balance of the debt that we had agreed to settle on for {$290.00} which I paid in full on XX/XX/XXXX. Im sure they will say this was another mistake, but these mistakes take weeks to fix, and there doing this so they can ask me about an unrelated debt that is almost 10 years old, which I have no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Reference : XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX XXXX, CA XXXXTelephone : XXXXXXXXFacsimile : XXXXXXXXRecently I ordered a copy of my credit report and found XXXX reported that I am in debit to them. 

I wrote to all XXXX major credit card companies and learned from Equifax Disputes that after contacting XXXX the item will remain on my credit report. 
Issue : XXXX continued to bill me after services ended. I paid XXXX and made every effort to cooperate ; however, I need not pay for services and products that I did not receive. 
Additionally ; XXXX promised me a city to cover and then restricted me to XXXX XXXX XXXX which is a development and not a city. 
I did not make XXXX contact from any information received from XXXX. 
I did not derive any income of business from XXXX. 
They billed me after I canceled and refused to be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have asked several times that they send me documentation proving that account belongs to me and they have not. Signatures/dob/ etc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Received a loan I didn't apply for

Complaint: on XX/XX/2016 my Social Security Number was used to apply for payday and quick cash loans online. Multiple attempts were made, some were successful and others were not. I have submitted all of the required information to the quick cash lenders and all but XXXX have accepted them and are working with me to clean up this identity theft. Cash Central of Ohio is denying my fraud application even though I have sent them all of the required documentation. their only response is I need to work with my local police. I have obtained a police report and there is nothing else the police department can do because this was an online fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with PENTAGON FEDERAL CREDIT UNION (NY).
Issue: Customer service / Customer relations

Complaint: PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. 

PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. 

The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. 

It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Oakridge Direct Solutions Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I continue to receive phone calls that are automated requests seeking debt collection for my sister. My sister does not live with me in  XXXX , TX. I initially passed this information along to the collection agency, but they have n't stopped calling me. The latest phone call was today,  XXXX   XXXX ,   XXXX  , and I receive about  XXXX  calls a week unless I call back to complain. Then they do n't call me for another  XXXX  weeks before it 's   XXXX   times a week until I call them back, repeat and do it again.     The phone number calling me is  XXXX   XXXX . The lawyer in charge of this account is named  XXXX   XXXX . He is a smarmy  XXXX  who thinks that since an automated system is calling me, and not  XXXX   XXXX  himself, that he should n't respond to my requests that he stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 05-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION SHOWS COLLECTION ACCOUNT THAT BELONGS TO XXXX XXXX. I CALL THE BANK TO GET PROOF THAT ACCOUNT BELONGS TO ME AND THEY BOUNCE ME OFF TO SOME ONE MAN OPERATION WHERE YOU CAN ONLY LEAVE A MESSAGE. FINALLY MESSAGE GOT RETURNED, THEY SAID THEY SOLD IT TO ANOTHER COMPANY. I CALLED THAT COMPANY, AND THEY ARE BROKERS WHO SAID THAT WILL HAVE SOMEONE CALL ME BACK WHEN THEY WILL FIGURE OUT WHO THE NEW ACCOUNT OWNER WILL BE. IT ALL LOOKS LIKE A SCAM!! I ASKED XXXX TO GIVE ME PROOF OF ACCOUNT OWNERSHIP ( I SPOKE WITH XXXX ON XX/XX/2016 AROUND XXXX EST, CALLED AT XXXX XXXX XXXX, AND ASKED RECOVERY DEPT ) AND THEY REFUSED TO ASSIST. I SAID WILL COMPLAIN TO CFPB AND THEY DID NOT SEEM TO CARE AT ALL.

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