milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: In XXXX XXXX I moved and Macy 's automatically updated my mailing address to a non-existent address. I paid off a {$170.00} balance on my Macy 's card in early XXXX which was the full balance on my XXXX statement the last statement I received at my old address. I had my mail forwarded from my old address, but Macy 's instead went ahead and updated my address with an incorrect XXXX. 
A purchase of {$44.00} was made on XXXX XXXX. I never received any statements from Macy 's regarding this balance. I was not made aware of any balance until XXXX of XXXX when a collection agency contacted me and said I owed a balance of {$350.00} from interest and late fees. 
I had difficulty obtaining statements from Macy 's and requested them numerous times before finally getting them. I have spoken with representatives at length and sent a fax on XXXX XXXX and have still received no response. I want the negative information removed from my credit report and all the interest and late fees refunded as Macy 's never sent a statement for these charges and instead sent them to a non-existant address.

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 02-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: To : Consumer Financial Protection Bureau From : An Illinois Homeowner, a XXXX citizen and a Veteran Date : XXXX XXXX, XXXX RE : Wells Fargo Home Mortgage We have been battling with Wells Fargo Home Mortgage since XXXX, XXXX, when they violated RESPA laws by increasing our escrow requirement by more the lawful amount, thereby increasing our mortgage by {$800.00}. 
Though Wells Fargo has made settlements with various government housing agencies, they are still violating laws and rights of some homeowners. Although they are the servicer for our XXXX XXXX owned mortgage, we have not had the benefit of having a loan modification properly evaluated, nor have we ever received an explanation for denial of the two application we submitted. Though XXXX XXXX made changes to some of their requirements for servicers last year, we still have not had the benefit of Wells Fargo 's compliance. 
We filed Chapter XXXX Bankruptcy in XXXX of XXXX which was discharged earlier this month. We submitted the HAMP application on XXXX XXXX, XXXX, and per instruction received from Wells Fargo on XXXX XXXX, we began the work of submitting the Uniform Borrower 's Assistance Form, along with required attachments. We were told we would receive an answer in XXXX hours after all documents were received, however there was no date by which we must have everything in. All items were submitted on XXXX XXXX, however it was n't until we called Wells Fargo on XXXX XXXX, XXXX, that we learned the documents would not be processed because of a pending sale date. This sale date of XXXX XXXX was in placed on XXXX XXXX when we received the first call about receipt of documents submitted XXXX XXXX. 
XXXX XXXX requires our documents be processed because of the Chapter XXXX Bankruptcy we filed. We understand the servicer is not required to solicit an application from us, but are required to process the application once we submit it. Once again, they are refusing to abide by regulations. Since our Chapter XXXX has been discharged, our financial situation is much improved, and we are able afford our mortgage payment. 
It is our hope that you will forward this correspondence to all related agencies that have an interest in seeing that mortgage servicers are in compliance with the law, and in a position to hold Wells Fargo and other like services accountable. 
With appreciation,

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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : Bank of America Dates : XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Consumer Loan (Installment loan) with Cash Time Title Loans, Inc. (AZ).
Issue: Managing the loan or lease

Complaint: I have been paying this loan and the balance owed on the the loan remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX     2016, the p ayment plan on a number of my private loans with Navient were updated, so I had a lower monthly payment of about {$600.00}.     Starting  XXXX   2016, we  started making additional payments towards the highest interest rate loan of 6 %, the  '  XXXX   Signature Student '.      As additional payments were made, and the balance on the highest interest rate loan went down faste r, Navient began re-dis tributing how the monthly {$600.00} was allocated across all loans by decreasing the amount paid toward the highest interest rate  (   XXXX   ), a nd increase towards all the others. They did this without our explicit permission, or without notifying us of this change.     By changing the payment terms, and applying less towards the higher interest rate loans,   Navient is in effect earning more interest on these loans than they should otherwise, had they left the   payment terms the same. Interest Rates on Lo
ans below, see the attached AllLoans.xlsx document for payment history and dates.       Interest Rate Loa n   6       XXXX   S ignature Student  4.75   XXXX  Signature Student 4.5  XXXX  Signature Studen t 4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  XXXX   XXXX  Signature Student 4  XXXX  Signature Student  4   XXXX  Signature Student  4   XXXX  Signature Student 3.75  XXXX  Signature Student

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with Mortgage Team 1, Inc. (TN).
Issue: Settlement process and costs

Complaint: I recently sold my home in XXXX, XXXX to relocate to XXXX, XXXX. The people buying my home hired XXXX XXXX with mortgage XXXX team as their lender. XXXX XXXX gave me a closing date of XXXX XXXX ( after an extension ), therefore I moved my entire truck into a moving truck that afternoon. Less than an hour before the time of closing, she called and said she was n't ready. We went through that XXXX more times. We finally closed yesterday on XXXX XXXX. I have been living out of a moving truck that is costing me {$100.00} a day since XXXX the XXXX. She did n't even submit the loan to XXXX until XXXX XXXX. I finally decided to call her and ask her what the holdup was. After being extremely rude to me, she put me on hold ( or so she thought ) and proceeded to call me crazy and make fun of me to her coworkers for XXXX minutes. My house was paid off, and I needed the funds from the sale to buy my new house. So I put off my other sale for several weeks. My experience with XXXX XXXX was so bad that my realtor ( XXXX XXXX ) said she would never do business with her again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In the last few months I have contacted transunion in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that transunion would have to remove the inquiry. Today after learning about a glitch that transunion had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. Transunion response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.

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 10/16/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Customer service / Customer relations

Complaint: I called my credit card company because I was having problems registering online so I could see my bill and pay it. I spoke to customer service who had me verify my account and then they transferred me to technical support who had me verify my account again. Not wanting to go through a lot of hassle I told him that he did not have to assist me and that he could send my back to customer service. When he did they ask me to verify my account again. Frustrated I asked for a supervisor, and was transferred to fraud and accused of not verifying my account. I said that I did verify my account but I should not have to verify it 4 to 5 times on the same call. Besides I called to look at my account online not to get information about my account from anyone on the phone. I spent a lot of time speaking to fraud, a lady named XXXX who was having a hard time taking my complaint. She finally transferred me to XXXX who identified herself as a fraud manager. I again asked her how do I place a complaint. She was evasive and disingenuous throughout the call and she lied telling me there was only one way to make a complaint. She told me that she had documented my complaint and asked her how could she had if I did n't give it to her to document. I hung up after getting no where and called back for a supervisor to make a complaint. I got Someone name XXXX. Who verified me and told me there was a block on my account. I asked him if that meant I could not make a complaint. He put me on hold and came back with XXXX from Fraud. We went around in circles before she realized that this was n't a fraud case and she transferred me to XXXX who identified herself as an account manager. She told me that I could make a complaint to the office of the president and she gave me the address and she took my payment. All of this took about an hour and a half of my time. I do n't know if my account is still blocked but I want Citibank Office of the a president to know about disgraceful exchange with me so the individuals could b addressed for their poor customer service. No one should have to be verified 5 times on the same call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I receive a message from XXXX stating there was a XXXX collection on my credit file with all three credit reporting agency. I pulled my credit and seen it was for a XXXX hospital in XXXX XXXX NC and the collection companies name is Bull City Financial Solution in XXXX NC. I called and talked to a XXXX at the call center and she stated to me the account clearly is n't mine and i will remove and broke this account from all there credit bureau 's asap, It Never happened!!! So called back in 30 days and asked why is n't it been removed and she stated to me its your account we have court doc stating its yours, So i called the Hospital and talked to a supervisor in billing and he stated this account clearly is n't your and i will pull it from the collect company!!! So called the credit company back and asked why has n't been removed yet, XXXX said its your account and we will not remove it. I have filed a police report and also filed a lawsuit under fair patience laws. They want even give me the paperwork under the FAIR CREDIT REPORTING ACT, 15USC-1681 TO PROVE ITS MINE. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was a fire in a home I owned. My homeowners insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a check to my mortgage company XXXX XXXX XXXX XXXX XXXX for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX XXXX XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX XXXX XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX XXXX XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX XXXX that XXXX XXXX XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX XXXX XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX XXXX XXXX is attached. Also attached is my credit report. Please note the XXXX XXXX XXXX item is on page XXXX and the same item as reported by XXXX is on page XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VT).
Issue: Account opening, closing, or management

Complaint: At XXXX, I discussed my overdrawn commercial act with local TD bank personnel who was very helpful and refunded half ( around {$50.00} ) the overdraft fees I had accumulated over the past 61 days of inactivity. 
At XXXX on Tuesday, XXXX/XXXX/16 I deposited {$750.00} into the same commercial act. Later that same day I checked the account through the online TDBank app and saw that the first {$100.00} of the deposited check had been made available ; half paid the outstanding fees and roughly half showed up as the account balance. 
On Wednesday, XXXX/XXXX/16, the commercial account no longer existed on my TDBank app. I went to the branch and they told me the account had been closed due to 60days of inactivity with a negative balance. So I asked them to deposit the check into my personal account. 
On Tuesday, XXXX/XXXX/16, I still have not seen the check deposit show up in my account and was told that it still had not cleared. I complained. 
I think the offsite, non-branch personnel closed the account knowing that there was a recent deposit because they did not agree to refunding back some of the overdraft fees. 
I think they are withholding funds until they figure out ( and agree ) to charge me the full outstanding charges on the closed account. 
* The bank manager just called ( XXXX/XXXX/16 ) and said they would deposit an amount, less half the outstanding fees, as agreed to in the beginning. Yeah! 
In this instance, I think the local branch personnel who are generally very professional and customer-oriented were able to convince the offsite people to relent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received an e-mail ( attached XXXX from XXXX XXXX indicating that I had placed an order for {$2500.00} for a camera to be shipped to XXXX XXXX in XXXX. I placed no such order and do n't know who XXXX XXXX is. There was no account number on either the e-mail or the receipt, just that it was paid by a credit/debit card. I contacted XXXX and received a response XXXX attached ). Apparently an account was opened with Discover that I know nothing about. A few days later I received a check for {$1.00} from Discover ( with no account number or other identifying information ). I shredded the check.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Citi-mortgage and have not been XXXX days late with them. They keep calling about the mortgage payment for XXXX even though it is XXXX XXXX ( within the XXXX day grace period ). The worst part of the matter is, they keep calling my relatives from another state which never gave them that information. Citi-mortgage took it upon themselves to skip trace those numbers even though they have my contact information ( it hasnt changed in the XXXX years I have had the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private loan with Navient and my payments are too high too pay, and ya 'll say I 'm not able to lower my payments, in which it makes it hard to keep the payments current.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX from Bronstein and Weiss called work and home threatening lawsuit for unspecified debt if I do not contact them within 72 hours. Indicated that it could be " embarrassing '' for me since work for state of New Mexico. Used " spoofed '' local New Mexico number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: -There are two Citibank student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite 

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 12/26/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Repeat calls
No letters
MA law 3 letters 2 from credit card then collections 
I never received any
Calls same person 25 calls
I changed my phone number that i had for 20 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (OR).
Issue: Managing the loan or lease

Complaint: Went to pay loan in full ( {$1500.00} ) within 90 days of no interest terms. Duvera financial revoked all terms of contract, applied back interest to date loan was originally issued because I was now calling 4 days past first payment date.Said I now owed Duvera $ XXXX+ to Resolve loan. Refuse to help me resolve loan that day and still till now until I pay their demands. Now they say I owe them {$2400.00} for a loan that is only 5 months old.

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