milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened a citigold account ( bank account from CITI bank ) in XXXX XXXX, 2015 using a promotional code XXXX. By using the promotional code, based on the term, I will be eligible to receive XXXX XXXX ( XXXX ) miles if I spend {$1000.00} on my citigold debit card and make a citibank online bill payment for two consecutive months. After I opened the account, I contacted with citi to confirm this promotion. The representative ( XXXX ) confirmed my eligibility and claimed that the bonus miles will be credited to my XXXX account ( XXXX ) within 90 days from the end of the statement period in which all offer requirements are completed. In XXXX XXXX, 2015, I contacted with citi again and talked with another representative ( XXXX ). XXXX confirmed that " I see that you have met the requirements of the promotion offer '', and informed me that I " will be getting the offer of XXXX XXXX miles in three months ''. I kept all those chatting history. However, I have never received any bonus XXXX miles after three months. I contacted with citibank and talked with a manager. He said that citibank had give me another promotion offer instead and thus the original promotional code XXXX I signed-up was no longer applicable. In this case, the key fact is that citibank had never mentioned another promotion offer to me before they breaked the original agreement and applied another promotion code to my account without my authorization. I proposed him to withdraw the promotion offer that I did not sign up, and give me the XXXX bonus miles back, the manager refused even if I said my eligibility to receive the XXXX miles had been confirmed by their representatives many times. I did nothing wrong in this situation, but citibank 's response is lack of responsibility.

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 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have student loans that were in default as far back as XXXX with XXXX XXXX. In XXXX I was made aware of the consolidation option through Navient which I completed in XXXX, XXXX. In XXXX I contacted XXXX XXXX to discuss the old loans on my credit report ( at least 9 years old ) and was told my information was with Navient. Upon contacting Navient I was told there was nothing they could do because they do n't have my files and I needed to contact XXXX XXXX. Long story short I was given the run around for several months and finally got through to someone at Navient that explained to me that they DO have my records but could n't do anything concerning how they are reported to the credit bureaus. I basically gave up because I was tired of the run around and to this day ( almost 11 years after some of the loans ) they are still on my credit report. I was also told that my application for income based repayment was n't complete because of a missing 1040 form. I contacted Navient and they told me the IRS site was " broken '' and that 's why it was n't imported. My payments are set to go up to $ XXXX beginning XXXX. Hopefully I can get the info one of the other ways they described in time to get my payments reduced because I do n't have $ XXXX to pay Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan servicing, payments, escrow account

Complaint: New mortgage in 2015, with fixed rate of XXXX. Mortgage payment has gone up over {$300.00} since the origination of the loan, becoming harder to make payments. We have decreased insurance to help lower payments but they keep raising payments.

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 02-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX I transferred XXXX to my Bank of America account XXXX. I made an error. I should have transferred XXXX. Subsequently, four items including one for {$5.00} dollars put my account into an overdrawn state. Aside from the error, I have repeatedly asked BOA not to pay out if there insufficient funds. I was charged {$140.00} dollars. I would like the total amount returned to my account-it clearly was an error.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried using the XXXX system to get credit reports online from Equifax for my wife and myself today and a year ago. The Equifax site returned : " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report online. '' along with info to mail a form to get the report mailed to me. 
I was able to get online reports from XXXX ( today XXXX & XXXX in XXXX. 
Equifax should tell us why our reports are not available online.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Settlement process and costs

Complaint: I received a Loan modification with a interest rate of 2 % Fixed for 30 Years from my Lender in XXXX 2010 & Recorded as such with the County Clerk Office, Then I received other documents requesting my signature with a Interest rate of 3 % & the rate would subsequently Increase, .My Lender has consistently refuse to Honor the original signed Loan Modification agreement .I have contacted them on numerous occasions but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called from an  XXXX  GA number but company is physically located in  XXXX   XXXX  Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: XX/XX/XXXX, I made a computer purchase but never received the items from Macy 's. I used my Macy 's American Express Card to make the purchases. I informed the company by phone and was told they would look into the issue. I never received any mail correspondence ; and thought the matter closed. Starting the XX/XX/XXXX, I started receiving calls from Macy 's collection department demanding payment. After speaking to several representatives in the credit and collection departments, I was told several times the matter had been resolved. I even spoke to representatives at XXXX XXXX. I tried numerous times to resolve the issue. I later found out that I must have requested only online correspondence ; thus the reason I had not received any mailed correspondence. I corrected that after speaking to another Macy 's supervisor credit department representative who told me the items had been returned back to Macy 's and that I owed nothing. Again, told by this department supervisor that my account would be resolved. However, even after that call with a Macy 's department supervisor in credit department, the calls from Macy 's collection department continues. I went on line and copy a letter ( see attachment ) from XXXX XXXX XXXX which states that I owed nothing and my account had been credited for the amount of the items I purchased back in XX/XX/XXXX ; the date of the credit was XXXX/XXXX/XXXX. I was instructed by a Macy 's credit department supervisor on how to access this letter. Supervisors I 've spoken to include : XXXX XXXX and XXXX ( XXXX number XXXX ) XXXX continue to get calls from Macy 's collection department which I now ignore ; the same number phone number is used. In addition, I changed my request for information regarding my account and now have my information mailed to me. In XXXX XXXX, I receive a copy of a bill which states I owe {$150.00} which includes the original amount of {$110.00}, fees ( {$37.00} ) and interest ( {$2.00} ). ( see attachment ) I am exhausted with talking to one department and being told that the matter is no longer an issue and the non-relenting collections department who is bent on getting money from me that I do n't owe. I 'm soliciting this agency 's help in stopping the harassment and eventual detriment Macy 's collection department will assess to my credit record.

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 09/19/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent calling daily, even multiples times a day.

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 01/30/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Sirs : Reference my complaint, No. XXXX : I submitted a timely dispute of Equifax 's response to my complaint. 
I have not received any reply to the dispute of Equifax 's response. 


They lied when they said they contacted me about a " promotional block '' last fall. 
I can forward the weeks-long chain of email inquiries with them. 
More importantly, they failed to answer the question concerning whether they betrayed my trust and sold my personal information to outside, non-credit or bank-related entities. ( I.e. Advertisers! ) I also did not receive a reply from the CFPB. 
Were Equifax 's actions legal? 
They act in a " quasi-governmental '' role and are even referred by numerous US Government agencies and websites. 
Was their disclosure of my PII to commercial entities legal? 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  my student loan provider went from   XXXX   XXXX   to Navient. I was on auto pay with   XXXX   XXXX  . One day I received a letter in the mail stating that   XXXX   XXXX   account was Closed and the new lender was Navient therefore they were not going to charge me anymore and that i should wait Further instructions from Navient. First communication with Naviet happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since   XXXX   XXXX  . Not a problem I said, lets pay. The representative at Navient walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from   XXXX   XXXX   to Navient was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the Two Navient accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from   XXXX   XXXX  . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on Navient 's part. I still pay my loan to this day and i have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This firm gave a response to the Consumer Finance Protection Bureau ( CFPB ) in case number XXXX that the matter has been closed with the firm and returned back to the original creditor. However, the firm has not deleted the entry from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Portfolio Recovery Associates sued me in XXXX of XXXX for a time barred debt on behalf of XXXX XXXX. I contacted the company. They wanted the entire amount which was around {$3500.00}. They claimed that I made a payment on it back in XXXX XXXX. I went to court and took my bank statements showing that I never made a payment. I even had a statement showing when the last payment was made. The debt was already time barred as it had been XXXX XXXX years since the last payment. The judge ruled in my favor and threw out their claim. I am now receiving phone calls from the same company, but this time out of XXXX instead of XXXX XXXX where it originally started.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was charged for services that were shoddy workmanship and an unfinished job. Although I have pictures, text messages and a letter from my attorney XXXX XXXX XXXX XXXX card that I opened explicitly for this purchase refuses to stand behind me as a card holder and keeps denying my disputed amount of $XXXX.  After researching I have found countless other complaints that Citi will never side with the consumer and always denies claims. I will never own another Citi credit card and I urge other's not to as well. I have attached the letter from my attorney here.

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 04/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has been contacted many times and I have asked to documents showing the contract I signed. They have sent nothing in response to dept validation request. In addition I was never officially informed this company was attempting to collect any debt. They have information that is not mine such as addresses.

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 11-02-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Rushmore Loan Management added unnecessary insurance to my mortgage, which led to a shortage in escrow, resulting in an increased mortgage payment. The company was made aware ( proof was provided ) that my home was from the requirement for flood insurance due to flood zone : AH. Rushmore failed to rectify the matter on a timely basis. They have failed to apply my payment appropriately, and they then started foreclosure proceedings and refused any of my payments as per their letter dated XXXX XXXX, 2015. 

They have ruined my good credit history under the affordable housing programs, for which I am to receive a yearly credit of {$1000.00} for making timely payments. They have also ruined my credit history, and have started foreclosure proceedings. 
My attempts to resolve this issue by contacting the company has failed miserably! Instead, I continue to receive dunning letters and phone calls. 
I 'm asking that Rushmore reinstate my payments under the agreed terms, allow me to make my payments, remove negative reports from my credit history from XXXX 2015 to XXXX 2015, and reinstate my good payment record so that I may receive the yearly incentive of $ XXXX you for you assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (NY).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new XXXX, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Struggling to pay mortgage

Complaint: When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with Ditech Financial LLC (WA).
Issue: Problem when making payments

Complaint: I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP. 

I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.

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