milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I reported a fraudulent charges of {$59.00} on my Macy 's Express Card, because on XXXX XXXX, Citicard contacted me to validate whether they were valid or not valid charges as they were monitoring my account. " For your account security, the Credit Services Fraud Department would like to verify recent activity on your Macy 's account. '' I confirmed that they were not valid charges. You see they were originated in XXXX ( at a gas station ) and I was in XXXX. Once Macy 's sent the fraud paperwork, I returned it in XXXX with a Police report # XXXX, filed on XXXX XXXX, 2016. My complaint is that they deny that they have received the documentation, therefore it would be difficult for them to keep their commitment of resolving disputed charges in 1 to 2 billing cycles. As I am now at at the third billing cycle since the fraud charges occurred. However, because of this, I have chosen to may the balance on the account and close it, and want the amount refunded as they are not my charges of {$59.00}.

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 monetary relief
Consumer complaint received 12/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I mailed a post dated check, they held it for a couple of days but still cashed it four days early ; my banking organization honored the check early also.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (DE).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I contacted XXXX to schedule an exam for my XXXX XXXX XXXX certification and they told me that I had a five year period to take the exam and that my training was obsolete. I then contacted the Justice Dept and Higher Ed Dept. To ask them why must I pay for an education that I could not use.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent several requests for account validation and then method of validation and all I got back was a letter that the accounts were verified. They are not verified. There is no documentation to validate or verify these accounts. Experian sent me a single piece of paper 3 times. They never did an investigation and they have no evidence regarding these accounts. These accounts are wrong and Experian has done nothing to investigate or reinvestigate and they have no validation of these accounts. They are willfully being negligent regarding my rights as a consumer. These need to be deleted

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 11-07-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XX/XX/XXXX ATM DEBIT XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} XX/XX/XXXX PURCHASE AUTHORIZATION XXXX # XXXX {$700.00} XX/XX/XXXX PHONE TRANSFER To CHECKING XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$26.00} ON XX/XX/XXXX THEY DID A TRANSFER OF {$400.00} TO ANOTHER ACCOUNT THAT I DID  NOT AUTHORIZE AND LABEL IT PHONE TRANSFER WHICH IS FRAUDULENT STATEMENT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS IT THIS WAS TO COVER A BALANCE THAT I HAVE NO IDEA WHAT ITS FOR I HAVE REQUESTED INFORMATION ON THE DEBIT AND HAVE RECEIVED NO RESPONSE THEY CLOSED ONE ACCOUNT THEN MONTHS LATER REOPENED IT SAYING THERE WAS A BALANCE ON IT. THEY NEVER GAVE ME PROOF OF WHAT THE BALANCE WAS THEY THEY RESTRICTED ONLINE ACCESS TO THE ACCOUNT SO I CAN NOT EVEN SEE WHAT THEY ARE DOING WITH THE ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I tried emailing and calling years ago to understand why my total payment was not going down. I did not receive any quality information. The same with my private loans. I have been struggling with my loans and when I have extra money I put it into the loans. I 've even called to tell them to put it towards principal which was ignored on both federal and private.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (TX).
Issue: Managing the loan or lease

Complaint: I have had this loan with American Credit Acceptance for over 2 yrs with this company and these people should not be in business AT ALL. Everytime I call I get treated like They are doing me favors just by answering the call they are EXTREMELY RUDE AND NASTY from hello. I set up autopay to avoid having to deal with them and most recently I had my payment scheduled for XXXX and their online auto payment system failed to take the payment from my card and So I went back online on XXXX and scheduled payment for XXXX and their system once AGAIN failed to process my payment knowing that there were funds available in the account I called in first thing on XXXX and first spoke with a rep who got me with a manager named XXXX, she transferred me to XXXX and she transferred me to a XXXX XXXX who claimed she was the highest member of management and every single one of these people REFUSED to help me or even take a look at my account to confirm exactly what I was saying these people are con artists and do nothing in the best interest of the customer. I finally spoke with a XXXX who claimed he was a department manager and he would take care of the late fee as a " courtesy '' I advised him theres no courtesy that hes doing, his company billed me incorrectly and thats the bottom line and once I threatened to file a complaint with the CFPB and make them aware of the ongoing issues with this company then things changed on the call. It should n't have to come to this point to get a respectful response from these people who I have to pay each month. I am fed up with American Credit Acceptance and they should be out of business with these business practices immediately if not sooner. I will not cease until something is done about this and this company is investigated because I KNOW other consumers who deal with these clowns have had similar if not worse interactions with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (WY).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: on XX/XX/XXXX my wife and i totaled our car my insurance adjuster tried for 2 weeks to get a response so he could send a payment out. in the mean time he mailed a check made out to us and wells fargo to try and get a response in the meantime i was called every day asking for payment. they received a check on XX/XX/XXXX for XXXX dollars, i know that because i was told that, my insurance adjuster XXXX ( XXXX ) for XXXX XXXX XXXX notified me that the check had cleared their bank on XX/XX/XXXX. and he mailed them out the balance after i talked to the office of the president. he finally got to talk to someone who promised to send him a letter of gaurantee for the title but they sent him the wrong information, they finally fixed that and sent the right information, when he contacted them on the XXXX XXXX from the presidents office said they never received the check and that he was wrong. now i just talked to them and was told they did receive that check but not sure the date and it would take several weeks to credit my account, in the meantime they should have received the second check, but nobody knows, i have gap insurance but cant start it without a copy of the last check.in the mean time they are charging XXXX dollars a day interest to my account and destroying my credit,

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 06/13/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH).
Issue: Trouble during payment process

Complaint: Our loan was sold from    XXXX   XXXX    to  Rushmore Loan Management  in  XXXX    XXXX   or before. It has been a nightmare with Rushmore trying to correct my account. Because we made additional payments to to  XXXX  over the years, we were paid in advance. We have continued to make monthly mortgage payments to Rushmore and have requested numerous times for Rushmore to apply the monies to the principal, but they have not done so. They have suspended some of our payments for some odd reason and have not applied all of the money we have sent to the principal. Nothin g Rushmore  has done so far makes any sense and I can not, for the life of me, get this resolved. This is very unnerving to have my money messed with in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had XXXX student loans open with Navient at varying interest rates. I enrolled in auto debit to take advantage of the interest rate reduction offer. I also worked to pay down my higher interest loans first and have paid off XXXX of my highest interest rate loans so far. However, when I make additional payments to a loan I am paying down, my auto debit payment is not allocated properly. When I make a payment on a higher interest loan, the normal amount is still deducted from my bank account for the auto debit, but this amount is only partially applied to the loan it is specified for. Most of the money deducted from my bank account is allocated to lower interest rate loans rather than putting the money towards the high interest rate loan I am working on paying down. 

For example, let 's consider I am paying down loan XXXX out of XXXX loans. When I make an additional payment to loan XXXX the auto debit for loan XXXX is then allocated to loans XXXX-XXXX along with the normal auto debit payment amounts for loans XXXX-XXXX. This is essentially keeping the principle with higher interest rates high while sending the money to lower interest rates loans. I have called and complained about this. I am currently paying down another high interest rate loan and I had to request to remove the loan from auto debit ( and accept the higher interest rate ) so that I can control how my money is allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016 I noticed there was a withdrawal of {$5700.00} taken out of my bank account. I do n't remember taking out this amount of money and never authorized this withdrawal. I personally then went to the chase bank to file a report for the unauthorized withdrawal from my account. They gave me a copy of the withdrawal receipt with a signature that was not mine. The bank then told me I needed to file a police report so I can get a refund. I went to the police department and they gave me a Victims Bill of Rights report. I then returned to the bank and showed them the report, and they denied it. They told me that the sheriffs department has their policy and the bank has their own policy, which means that they do n't care what other policies say unless its theirs. I then asked them, is there any proof that you can show me to prove it, such as security videos of that day showing who withdrew that money from my account. The bank then told me that I had to subpoena them in order to see the videos or pictures. I went to the sheriff 's department and spoke to the detective so they can subpoena the bank, which was on XX/XX/2016. A month later the bank said they do n't have any pictures or videos who told the sheriff 's department. The sheriff then told me that there is nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: I have been a costumer with best buy for many years lately I have noticed that even buy doubling my minimum payment the balance did no budge much I went to take a look at where my interest rate was and I found out the interest rate was no were to be found on the credit card website all what is shown is my minimum payment and the balance. I called Citi as they are the ones who issue the best buy credit card, they told me that my interest rate was in the statement if i chose to download it. After I downloaded the statement I found out to my surprise that my interest rate was not there either. 
I am at this point assuming that the Interest rate is not made obvious to keep the customer unaware of the outrageous 25 % + .. interest rate. 
I do n't believe that this practice is ethical I always chose to be on paperless billing, for personal reasons but I do n't think that Citi should keep there costumers unaware just because they chose to bank online. 
I take full responsibility for not being aware of the interest rate, but I hold Citi responsible too for not making it obvious when I login to my account. 
The least that should take place is for citi to make the interest rate as obvious to see as the minimum payment and balance. 

I am also attaching the statements I downloaded in three formats that were available. 

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.

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 08-08-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address listed on my Equifax report where I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I wanted to take my money out of my coinbase account, but i am unable to do it. They are n't replying to my request on gmail and XXXX. I have been trying to contact since months but no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX , TransUnion, and  XXXX . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately .

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I faxed a letter to transunion regarding inquires on my credit report on XXXX/17 by fax advising that the only authorized inquiry I made was with XXXX XXXX XXXX all and requested that all other Inquries be removed as I did not authorized them. I recieved a letter in the mall stating they were not removing them. I sent a 2nd fax on XXXX17, recieved confirmation that it was recieved .There was a computer glitch that caused inquiries to be deleted .Transunion later added them all back onto my report without giving me the legally required notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them them delete the inquiries that they illegally re-added.These inquiries add hardship and my rights have been violated by Transunion and as of today XXXX/17 I still have not recieved a response back 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
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: CapitalOne opened a credit card in my name XXXX XXXX, XXXX. I never received the card. It 's never been used. I ca n't log into online banking,

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was in default, a company set up a payment plan and told me once I was out of default the place that bought my loan would contact me and I could keep my {$5.00} payment. This never happened. When I was caught up Navient had my loan and put my payment at over {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (ID).
Issue: Fraud or scam

Complaint: Redeemed a promotion through XXXX XXXX. I received a {$50.00} debit XXXX reading " valid thru XXXX ''. On XXXX/XXXX/2015 I attempted to activate the card for use and was told by citibank ( XXXX # XXXX ) that the card was promotional and expired and he would not reissue the card although it still had {$50.00} on the card. I explained that the card reads on front that it is a " Debit '' " XXXX '' for {$50.00} and I requested that a replacement card be issued to access those funds on the debit card. He refused stating it was promotional. I understand that debit cards are often handed out as part of promotions - but nonetheless- this card reads " Debit '' " XXXX '', still has funds that I would like access to ; that he was refusing access to funds given to me. This is not a " use it or lose it '' situation. I was promised a {$50.00} debit XXXX and I would like to use that {$50.00} at my leisure and if the card expires, please issue a new XXXX so that I have access to the funds. A promise is a promise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation