milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've sent Experian, XXXX XXXX Credit Bureau XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached stating to update to my current address along with my Birth Certificate, etc. Experian refuses to update my address listed. It 's been well pass the 30 days on XXXX/XXXX/XXXX and still no response or dispute information. I request Experian to update my personal information such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with the BBB, Attorney General, etc.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been contacting XXXX/navient for years to get income sensitive repayments. I was always told I do n't qualify and instead should do a forebearance which would still have interest accrue causing my loans to be higher while making no payments. I still need my payments reduced and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Using a debit or ATM card

Complaint: I withdraw {$500.00} from Atm Machine located at the Citibank branch of the city of XXXX CA XXXX on XXXX XXXX 2016 around XXXX. I realized the ATM gave me just {$200.00}, I called Citibank customer service to report this incident, They gave me conditional credit toward my account pending investigation without showing any proof they reversed the {$300.00} credit given, I spoke with a Supervisor on the customer service department I told him, I need some type of proof as a video of the transaction because while after completing their investigation Citibank has not provided me proof of such the money given by the ATM just they said as stated on the letter 'they cant XXXX honor my request '' That 's why I 'm reporting this issue to the CFPB.

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 10/17/2016 about Debt collection (I do not know) with GOLD KEY CREDIT, INC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Stated their company does not maintain a " Do Not Call '' list after I asked. Stated they have the legal authority to call a cell phone after I informed them not to contact me on that phone. Ignored the National Do Not Call registry. Refused to answer all of my questions without me first stating my name. Stated they will call again. http : //www.goldkeycreditinc.net/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Making/receiving payments, sending money

Complaint: I tried many times to determine why I could not pay the IRS with my Citibank online BillPay. I finally received the attached letter, dated XXXX/XXXX/2015, from Citibank. XXXX XXXX states " this service is no longer available for the IRS, as we have encountered servicing issues with them. " I am totally OUTRAGED at this response from Citibank! 

I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

Why did n't Citibank say this in the first place? 

Why did I have to drag this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Debt collection (Mortgage) with Seterus, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Seterus Inc is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had an open credit card account with Bank of America and I have not been late on payments on this credit card ever since I applied for it on XX/XX/XXXX. On XX/XX/XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, bank of America credit card services have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, Bank of America have decided to close the account on XX/XX/XXXX. 
On XX/XX/XXXX, I reached an agreement with Bank of America to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. Bank of America did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.

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 05/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Long story shor  t. Nationstar prequalified me for a home purchase. After signing a sales contract on my existing home and a contract to purchase a new home, almost a month later, Nationstar denied my loan. I was told it was because of a software qlich that was n't " associating '' private mortgages for other properties I own. I understand pre-qualification letters are subject to further verification. However, Nationstar took almost a month between the time all necessary documents were emailed as requested, an appraisal on the new property completed, and no hint of problems throughout the entire process.
Nationstar essentially left me with two options, neither of which are good. One, place our personal belongings in storage and sell our home of 17 years and live in a hotel or back out of my existing sales contract and risk legal ramifications.
After many conversations with other lenders and brokers, my debt to income ratio is n't sufficient for a loan amount in areas my family wants to live. I can live with that and appreciated the other lenders telling me that upfront and honestly! Unfortunately, Nationstar led m  e to believe the loan would proceed and my life plans were made acccodingly. Bottom line is the " mortgage professional '' did n't do her due diligence upfront and should have never given me a pre-qualification letter. She simply said " sorry '' and went on her way.     My income is from many rental real estate properties I own and factoring income is n't as easy as it is with  XXXX  wage earners. I had a conversation upfront with her at the beginning of  XXXX  about my income. I was informed she was very knowledgeable in this matter and had worked with numerous other individuals in a similar situation.

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 EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I purchased XXXX cashier 's checks at chase bank with cash. my account became overdrawn. Chase contacted the Payees and told them the check were fraudulent and would not clear as they placed a stop payment on them. Chase damaged my reputation with the vendors. They did not contact me I contacted them to ask why they told a car dealer to seize my car I just bought. The checks were bought by me for cash at Chase. I made a deposit in my account with an insurance check. the check was placed on hold, I had no reason to believe there would be an issue with a check from a major insurance company. When the funds cleared I withdrew the cash and bought the Cashier 's checks. XXXX XXXX in collections told me she told the dealer to seize my car because the check I deposited in my account was not collected. She also told me the money I withdrew was no good even though it was available. She said she was trying to mitigate any losses to Chase. If this was a collection effort it was collectable with me, not a payee. Any dispute was between CHASE and I not Chase and the payee. They had no right to contact to payee to collect anything. This matter should have been addressed to me. XXXX XXXX at Chase lied to XXXX XXXX and told them I made the check instead of purchasing it. I have attached a copy of the withdrawal slip, proving I withdrew the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Debt collection (Medical) with Receivables Outsourcing, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep on getting medical bills at my address in which my dad has passed since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I have been a new Ford customer for the past two years. My first two vehicles I leased a XXXX Ford Focus and returned it with no issues. On my second vehicle, a XXXX Ford Fusion, I traded in my lease early X/XX/17 being advised I was eligible for an early bird trade in. I traded the Fusion in and picked up another XXXX Ford Escape Titanium. 

I periodically checked in with Ford Credit 's website to see that payment was still due but I was assured by the sales rep that all the paperwork was completed that day and I had nothing to worry about. When I received letters that payments were missed, I followed up again and going forward I have made no less than a dozen calls into Ford Credit and half a dozen calls into the Ford Dealership in XXXX, CA to get the issue resolved. 

Ford Credit made contact with the dealership and confirmed the details with the GM and the sales rep, yet still continued to bill me the remaining 3 months as well as report to the credit agencies that I am delinquent on my payments. 

There have been several lease end managers that have been handling my case who have made contact with XXXX XXXX 's dealership. Each time they have stated I would receive follow up phone calls to update me on the issue and promised me that it would be fixed. However, each time I have had no follow ups done. I am on the phone again now with XXXX and she has again promised me to accomplish what all the others have promised me. 

The error seems to be that XXXX did not send the early bird termination papers and payment or that Ford Credit lost that information. But even with contacting the dealership, confirming that it was an early bird termination/trade in, I am still being asked to pay Ford and Ford has done nothing to repair my credit. 

The aggravation, distress, and time at work spent on dealing with this matter during working hours must be worth something. Additionally is this common practice at Ford Credit and lease end returns? It does not seem like there is any competency at Ford at the Credit department and at the dealership which makes a consumer suspicious that this is widespread.
I now turn to CFPB to see if we can get some movement on this as 3 months later they are still looking for papers ( even after the leased vehicle has been inspected, traded in, and facts verified ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On  XX/XX/XXXX I  contacted  Sallie Mae abou t my student loans. I lost my job and was seeking a deferment. I was told by the person I spoke with that I can defer my payments for 3 months at a time. I had to make a {$50.00} payment towards each loan. I was instructed that the payment was going to be made on   XX/XX/XXXX . I wa s also told that I would be deferred  for XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . W ith option to continue deferme nt by  XX/XX/XXXX  or m ake my payment.   On   XX/XX/XXXX  m y co-signer received a letter stating I was behind on my payments. My co-signer contacted  Sallie Mae a nd the person he spoke with insisted there was no arrangement made with them to defer my payments. He insisted that she double check. She came back on the line and said yes there is a plan setup for deferment, however it does n't start until the good faith payment is made o n  XX/XX/XXXX .    My co-signer asked to speak with a supervisor. The supervisor said that nothing could be done and if the payment was not made for the delinquent account that it will be reported to the credit bureau and effect his credit. Now they  had him pay for XX/XX/XXXX  and XX/XX/XXXX  payme nts totaling {$710.00}.   The information tha t Sallie Mae provi des their clients with is false or they do not know what they are talking about.   On top of that bac k in  XX/XX/XXXX , th ey showed my payment on  XXXX  account to be 60 days late. My co-signer ' s credit score  plummeted from  XXXX  to  XXXX . However I had automatic payments setup for both accounts, but  the one account w as never deducted from my bank account.   The way  Sallie Mae do es business is terrible. The employees do not know what information they are giving to people, they also use bullying tactics to get money from the person that took out the loan.   They will call and leave no message, then call your co-signer before you have a chance to call them back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a phone call from this company attempting to collect a debt that is past the statue of limitations. Today I received a letter in the mail concerning that same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am the victim of ID theft and have submitted the affidavits to those companies believe I owe a debt that was not brought on by my own doing. This company in the past three weeks has called me nearly 46 times during work hours even though I clearly explain to them that the debt is not mine. By doing this they are in violation of many different acts and they seem to think they are above the law

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 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold Checking account with a coupon code that indicated I would receive XXXX XXXX XXXX miles after meeting the promo requirements : 1 ) Spend {$1000.00} on the debit card. XXXX ) Make a bill payment using the BillPay service for two consecutive months. I met the requirements quickly and awaited my points. After months passed, I launched an investigation into where my points were and was told that I was ineligible. It seems that Citibank had retroactively gone back and decided this offer was limited and targeted only, despite it not saying so in the literature. I feel like this was a bait-and-switch scam designed to get multiple people to sign up for their $ XXXX/mo Citigold checking accounts, without fulfilling their advertised promotion. It has become quite a well know issue, as many people are in the same boat as I.

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 09/13/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received notice that I owed this debt. I found out when I went to urgent care and they told me that I had a balance that was sent to collections two years ago. I then came home and looked at my credit report on XXXX XXXX and saw that it just showed up this month, it has n't been on any previous credit reports. The amount that I was told was owed was also different from the amount shown on my credit report. Urgent care had my correct phone number and address in their system so there is no reason that I should n't have received a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: Uploaded XXXX XXXX and Adverse Claim re : XXXX. Alleged " mortgage '' loan by BANK OF AMERICA FSB XXXX XXXX XXXX, BANK OF AMERICA FSB filed at State of California , County of XXXX XXXX Recorder Office XXXX, Document XXXX - XXXX. 
BANK OF AMERICA FEDERAL SAVINGS BANK XXXX XXXX XXXX, XXXX XXXX XXXX, OR, UNITED STATES XXXX knowingly failed to transfer the assets to the trust fund to qualify as a XXXX or a XXXX. Therefore this means that this " loan '' herein is/was in default at closing and the loan is unsecured and BANK OF AMERICA knowingly holds contraband, knowingly failed to pay income tax on proceeds from my Estate and Breached Fiduciary Duty, violated of public policy under XXXX, the Emergency Banking Act of XXXX passed XXXX XXXX XXXX codified XXXX 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 09/25/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I had a credit card issued by Macy '' XXXX department store and American Express, which I have not used for a year or so. On XXXX XXXX, 2015. I received a statement about a foreign charge in XXXX with foreign charges total {$570.00}. I called the XXXX no. on the card to dispute the charge, after a long wait, I was referred to an XXXX no. which has a recording asking me to send a letter of dispute, which I did by regular mail and later by certified mail. So far I have not received any response from them, I tried to call them again, and this time after long waits I did not get to speak to any real person. Each time I spent a total of 1-2 hours waiting to speak to someone. I think they should send me a letter or call me in response to my letter, and they should have let me speak to someone responsible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: disputed several accounts in XXXX with Experian and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.

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