milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
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: My Citibank XXXX was charged {$50.00} onXX/XX/XXXX. I disputed the charge and a temporary credit was posted to my account. Citibank " investigated '' and claimed their investigation indicated that the charge was legitimate. The {$50.00} was reposted, as a charge, to my account. 

I called in lateXX/XX/XXXX and spoke with XXXX who told me that it was a XXXX charge and he provided name, address, transaction number, etc for the charge [ details are provided in attachments ]. I never made such a XXXX transaction and had no knowledge of the person identified. I sent [ via USPS ] Citibank a copy of my XXXX account fromXX/XX/XXXX to XX/XX/XXXX, listing every transaction ( there were only three in a two year period and NONE inXX/XX/XXXX! ) and none anything close to the amount or the date of the disputed charge in XX/XX/XXXX. I have called Citibank four times requesting that the {$50.00} charge be removed from my account and posted as a credit. I have three letters [ datedXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ] stating different departments have responsibility -- basically I simply get bounced around from " dispute department '' to the " lost/stolen card department '' to the " fraud department '', with promises of a callback. I have been waiting for a callback for 2 weeks -- just from my most recent inquiry. 

Are credit card companies not required by law to post a credit for disputed/fraudulent charges while the issue is being investigated? 

[ All this during the same time that Citibank had an internal security breach and had to issue all credit holders new cards with new numbers! ]

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 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hi, I saw the Citi bank gold checking account opening promotion online earlier this year, and it said I just need to meet the following requirements : 1. open a citi gold account 2. use the debit card for XXXXUSD transactions, 3. has two bill payments from the newly opened accounts. After all these requirements are met, I can get XXXX XXXX mileage. 

so I went ahead applied for Citi gold checking account online. and from the Terms & Conditions signing up the new checking account, it clearly listed the promotion for me, and I am eligible. 

To confirm the promotion, I also went to the nearest Citi branch, the banker looked at my account, and said she saw the promotion code, and I should get the XXXX XXXX mileage once I finish all the requirements. 

now it is a few months passed, although I finished all my requirements, but Citi said I am not eligible for that promotion. They said the promotion code is just for specific person. 

If it is just for specific person, why when I signed up the checking account, it said I am eligible? 

thanks!

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 've been trying to submit complaints to EXPERIAN for some reason they keep sending me fraudelent dispute letters back. Guess this leaves me with no other option but to file complaints .... 

XXXX XXXX XXXX XXXX XXXX, #! XXXX. # XXXX, # XXXX, # XXXX, # XXXX, XXXX FIRST AND FOREMOST BEFORE YOU " VERIFY '' THIS ACCOUNT XXXX XXXX XXXX IS OPERATING WITH AN INACTIVE LICENSE IN THE STATE OF LOUISIANA!!!!! THAT IS ILLEGAL. SECOND, I HAVE NEVERRRRRRR GIVEN XXXX XXXX XXXX OR ANYONE ELSE ACCESS TO MY MEDICAL INFORMATION!!!!!!!!! PLEASE REMOVE THESE ACCOUNTS!!!!!!!!! 

XXXX XXXX # XXXX I have never done business with nor have i been contacted by this company. Please remove. 

- XXXX XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove!!!! 

XXXX XXXX # XXXX I have never heard of XXXX XXXX . I have never done business with XXXX XXXX. I do n't owe this debt they claim i owe. Please remove. 

-XXXX # XXXX I have NEVER done business with XXXX ... .Please remove. 

I know that mistakes happen but it should not happen at my credit 's expense!!!!! 


also these addresses are incorrect. i have NEVER lived here ... 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 03/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I made consistent payments to Navient for a year, then they raised the payment. After asking to continue at the affordable payments, they refused. I could n't understand why they would n't want consistent lower payments but sent my accounts to a collection law firm. Now I am getting calls from them every 10 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a continuous issue : Navient is claiming I have not paid my student loans in five months ; however, they cashed my previously sent checks, which cleared my account, and they did NOT apply those funds to my account. First time I called, they said they would research it. I continued to get emails stating I could go into forbearance if I was having problems paying ; but I had paid! Second time I called, they told me to print my bank statement and mail it in. I did that, highlighted where/when the checks were cashed. I continued to get the forbearance emails. Third time I called ( three weeks later ), I was told they never received the bank statement, that the address I was given was incorrect, and told me to upload it to my online account for them to review it more promptly ; and they said they would put a high priority on researching it, as well as remove it from my credit reporting, if they were in the wrong. I continued to get the forbearance emails. Fourth time I called ( two weeks later ), I was told they could not find the funds from the check and that they would put a high priority on researching it, again. I 'm trying to get my own place, and with them erroneously reporting I have not paid my bills in five months, it is impossible to find someone who will deem me reliable -- not to mention the incorrect reporting to my credit. I 'm at a loss, as I have done EVERYTHING within my power for them to make my account up to date, and they STILL have not done ANYTHING to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: We are currently paying a mortgage with a 11 % interest rate and the property is under water. We have repeatedly tried to seek a modification with Greentree but they are not sending us the required documents to submit or they are not responding at all to our requests for assistance. We have been struggling to pay the XXXX monthly payment for over XXXX years and really need assistance at this very crucial time. Greentree has avoided us for over a year and we are desperately in need of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA).
Issue: Fraud or scam

Complaint: Somebody called from XXXX posing as police and threatened to arrest and XXXX despite having XXXX status. Then transfer the call to saying XXXX officer calling from a number listed on XXXX website as toll free number ( XXXX ). They took our all identity information including SSN. Then the posing officer said we were tracked and all our bank passport were frozen now and bank account were frozen. Then he said he talked official in our home country and as our background clear in US he ca n't put us behind bars and the XXXX govt has to do the background check and let them know within 3 days. But to do the background check XXXX govt wanted {$2400.00} as refundable security deposit. We were told to deposit the amount within XXXX hour as office is going to close and only moneygram can make it possible to transfer within XXXX hour. We panicked and did XXXX transfer. After depositing we realized about the fraud and complained to police in XXXX. The complain DC # XXXX. I called moneygram to cancel the transaction ( ref # XXXX ) and report the fraud, but they could not do anything about it as money has been picked up. Please help us to get the money back or bring these criminal people to trial. 
There are many cases like this involving moneygram. They should change their policy in favor of senders.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I applied for a Used Car Loan at Navy Federal Credit Union. The loan was for {$21000.00} at an interest rate of 10.49 %. The loan was approved and I was issued a check to make the purchase. I purchased the car, a   XXXX   XXXX   XXXX  , from   XXXX   XXXX   XXXX  , for the sum of {$21000.00} and paid with the Navy Federal Check I was provided by the Bank.
<P/>
The   XXXX   XXXX   began to develop problems and I returned the vehicle to the Dealer who attempted to fix the vehicle. The problem persisted and I returned the car back to the Dealer who offered to exchange the car with another car. I accepted the offer.
<P/>
I informed Navy Federal and because of the exchange Navy Federal now wants to increase the interest rate on the transaction even though the transaction had been completed between Navy Federal and myself. Further, the exchange was by the dealer for another car.
<P/>
Navy Federal can not change the terms of a deal after the deal had been consummated between myself and the bank.
<P/>
The breakdown of the Navy Federal loan is as follows : Loan - {$21000.00} ( Check Amount ) Loan Protection Plan - {$190.00} ( Added to the check amount ) Total Shown on Contract - {$21000.00} I have made payments on the loan as I agreed to and the Bank continues to accept my payment.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: There is a new york state tax lien that I have been battling with Transunion and XXXX to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for XXXX and Transunion to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and NYS wants it to be deleted after satisfaction, please compel these Bureau to delete the record. <P/><P/>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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unexpected or other fees

Complaint: Several months back I signed up for Transunion 's credit monitoring subscription on their phone app for {$1.00} to work on improving my  XXXX  score. The following month I noticed the charges of {$19.00} in my bank statement. Unfortunately, being  XXXX   XXXX , I put off calling Transunion to cancel the subscription due to   XXXX   XXXX  . Then when I checked my bank statement for the month of  XXXX  I noticed that Transunion began charging me {$24.00} without informing me. I also noticed that not only did the  XXXX  charge of {$24.00} post to my account on  XXXX , but  XXXX  more charges of {$24.00} being processed on  XXXX . I immediately called Transunion to cancel the subscription and demand a refund. They informed me that my subscription would end  XXXX  and that only  XXXX  of the charges would be refunded within  24 h ours. This Transunion employee attempted to keep my patronage by offering reduced subscription fees as well as a month free. I respectfully declined.  48  hours later and no refund posted, I called Transunion back to find out why I have n't received my money back. The Transunion employee thanked me for informing them of the accounting glitch and that a refund would take up to 30 days. I then came across the article regarding the CFPB 's investigation of the  XXXX  credit bureaus and their predatory practices and fraudulent charges. I would also like to point out that at no point did Transunion offer me my free annual credit report. I Then decided to call the CFPB to submit a complaint. After a brief automated answering system, I was immediately put through to a woman named  XXXX  who directed me to this website as well as the process. And here we are ...

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 07/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problem with the payoff process at the end of the loan

Complaint: Would really appreciate it if Huntington Bank would partner with XXXX. I use XXXX XXXX a lot for pay day advance. It takes a long time because they say my bank ( huntington ) has to send my transactions. XXXX implied that it may help if huntington partnered with them!

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Trouble during payment process

Complaint: Dear CFPB representative, I am following up on a previous complaint I submitted XX/XX/XXXX ; complaint ID # XXXX that was never addressed nor corrected by XXXX XXXX ( representative of Wells Fargo ). Her contact number is XXXX ext XXXX. Attached to this email will be : - a copy of the response letter from Wells Fargo datedXX/XX/XXXX confirming that the company received CFPB complaint and that the matter would be addressed ( my request was a new revised billing statement which would show my {$1400.00} cash payment to be used towards the principal payment and not in unapplied funds balance ; -copy of billing statement dated XX/XX/XXXX showing {$1400.00} going towards unapplied funds ; -copy of an email from Wells Fargo that the request was solved, which it was not ; -copy of the list of the mortgage billing statements available on the Wells Fargo website ; the latest statement dated XX/XX/XXXX which has the error. No new billing statements after this date has been applied to show that the {$1400.00} cash payment was applied towards the principal ; -copy of Wells Fargo online account summary that shows the correct principal payment of {$140000.00} ; but, the actual mortgage billing statement for the unpaid principal balance states {$150000.00}. 
In conclusion, I received two voice messages from the Wells Fargo representative, XXXX XXXX ; I have returned her call twice, including leaving her a message as to my request to correct this matter. However, no changes have occurred as of yet and it has been more than two business days. 
Would you please assist me on my behalf by notifying XXXX XXXX and finding out the hardship as to why this matter has not been corrected.

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 11/14/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I filed a debit card dispute with Capital One on or around XXXX, a fraudulent charge in the amount of XXXX, XXXX on XXXX, this is an XXXX purchase and is not on my XXXX account. XXXX and XXXX both advised me to dispute charge with my bank, Capital One, which I have done. Capital One reps included a supervisor in charge have referred me back to XXXXXXXX to resolve this. On the other hand, I 've also been told they are working on dispute and can take up to XXXX business days. The item ordered appears to be an XXXX XXXX, which was returned/refused, a tracking number was provided via secure message on capitalone.com. The last dispute rep, XXXX, was rude by stating he would no longer reply to messages. Item is not in my possession, refuse to pay for it. At one time, a temporary credit was issued, later reversed as again, XXXX refused to reply to messages or look into it further.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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 initiated a dispute in XX/XX/XXXX for a fraudulent purchase on my credit card ( CITI ) for {$170.00}. The purchase was made online with a company called XXXX. The product I did not order arrived at my address. First of all, Citi failed to notify me of any resolution to my dispute via mail or phone. I contacted Citi when I saw the {$170.00} charge back on my account. It was explained to me that I am responsible for that amount because the product ( that was purchased fraudulently ) arrived at my address. I tried to work with Citi and contacted XXXX. Their reply was simple, they are not responsible for fraudulent activity used to purchase their products and would n't even provide a return label to send the item back. After receiving an electronic copy of the investigation that Citi performed for my dispute, I contacted them letting them know that the phone number, IP address, and email address, that they used as evidence to show that I am responsible for the charge, was incorrect. The only response I am getting from Citi now is that the case is closed and there 's nothing they can do, I have to pay the charge. Why is there no appeal process and why was the decision made so quickly and without contacting me to verify my information instead of assuming that it was me and holding me responsible for a purchase I did not make?

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 11/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: APR or interest rate

Complaint: For years I have had credit cards with Bank of America. When I hit financial issues in 2010, they closed my accounts and began a pay out plan for me at $ XXXX/mo. and $ XXXX/mo. on each card. What I have noticed is that each month they are also charging me an " interest fee on purchases ''. Is this a normal fee? It seems it should have been included in the payment and NOT a separate fee being charged each month. 
Please advise me as to whether this is an acceptable practice. They have already dinged my credit by closing my accounts. They came up with the payment plan so I could get rid of the account balances, which takes forever even when the card is closed! Now I notice the fee when I went in to double check my balances and got curious to check to see if anything is listed on my monthly statements. I would never have discovered this fee otherwise. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a widow. Seterus is preventing me to assume the mortgage loan to avoid foreclosure. XXXX helped me file a complaint with CFPB, but CFPB said I had to file the complaint myself, case number : XXXX. I have faxed Seterus the original deed, wedding certificate and death certificate. Seterus keeps telling me to go trhough probate. I 've been informed that under the federal code regulations and XXXX 's guidelines, Seterus is supposed to speak to me and allow me to assume the loan. They are going to take my house and no one seems to care. I have already lost my husband, and my son, I am trying to keep the last thing I still have. Please help me.

Company response to consumer: Closed with explanation