milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I have had Citibank Credit Card since XXXX cobranded with XXXX XXXX . During XXXX 2015, i received an offer letter from XXXX to open an Citibank CitiGold Checking account by XXXX 2015 and then make purchases of {$750.00} from the checking account 's and XXXX Bill payments from the checking accounts within 90 days of opening the account in order to receive XXXX XXXX reward miles. The offer also promised to provide these reward miles within 90 days of completing the qualifying transactions. 
I opened the account by XXXX 2015 and completed all the necessary qualifying transactions within 90 days of opening the account. However, I did not receive the any airline miles within the 90 days. Moreover, i was shocked when the Bank began to assess $ XXXX Monthly fees for XXXX consecutive months. When I enquired with the customer service, the servicing agent mentioned that I need to have {$50000.00} in linked deposits. These terms and conditioned were not mentioned when i signed up for the account. I also did not receive any communication on the terms after opening the account. I wrote back numerous times to the bank to reverse the fees and close the account. After many complaints, i received the XXXX Airline miles well after 7 months of opening the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 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: Their investigation did not fix an error on your report

Complaint: In correspondence dated  XXXX  -2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either

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 04/22/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (UT).
Issue: Settlement process and costs

Complaint: After several years of stalling, Shellpoint Mortgage Servicing finally agreed to execute a deed in lieu of foreclosure. The deed in lieu was recorded on XX/XX/XXXX and the mortgage satisfaction was recorded on XX/XX/XXXX by the XXXX County ( NY ) clerk. After several calls and letters to Shellpoint, they are still unwilling to provide documentation that confirms the closure of my account, to correct the information on my credit report or to provide a XXXXfor tax purposes. This includes several calls I made requesting a status, and most recently emails on XX/XX/XXXX & XX/XX/XXXX and a letter that was sent ( and tracked ) to several recipients on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with BANCO POPULAR DE PUERTO RICO (TN).
Issue: Deposits and withdrawals

Complaint: My dear Mother passed away a year ago. Mom and Dad had a joint account at the time with the Banco Popular of Puerto Rico. The bank immediately froze both the savings and checking account. The Banks ' excuse was that they following Puerto Rico 's Inheritance laws. I contacted the banks ' legal division and spoke with the Attorney XXXX XXXX. She informed me that if I and my XXXX sisters showed up in person the bank would unfreeze the accounts but she had to confirm if some documents were confirmed. Attorney XXXX can be reached at XXXX XXXX, ext. 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 12-04-2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Managing the loan or lease

Complaint: I made a payment of XXXX to go to auto loan payment on XXXX/XXXX/2015. The bank set up an auto payment of XXXX to come out on XXXX/XXXX/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had 2 lates on my Chase Mortage dated back XX/XX/XXXX and XX/XX/XXXX 2013. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

Chase refused to remove the lates of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Years ago, my mortgage was sold to Ocwen Loan Servicing , LLC . On XXXX XXXX, 2014, I received an official letter from Ocwen Loan Servicing , LLC confirming my successful enrollment in its Automatic Clearing House ( ACH ) program. This letter was in response to recent efforts intended to ensure payment of my monthly mortgage while I was on international travel beginning XXXX XXXX, 2014, and without access to regular mail or telecommunications. 

Upon my return to California on XXXX XXXX, 2014, I checked my credit score using the mobile application " XXXX XXXX '' as I regularly do. It was then discovered that my credit score had dropped significantly. Further investigation resulted in the following discovery : Immediately, I contacted the company to resolve the issue. After literally hours of miscommunication and misunderstanding with the company 's horrendous XXXX-based call center, it was discovered that, contrary to what was stated in their official letter written to me, Ocwen Loan Servicing , LLC had failed to enroll me in their ACH program. It was also discovered that the company had failed to notify me of this failure. It was admitted that the company had made no attempt to notify me of the failure by regular mail, electronic mail, or telephone. Fully admitting their blunder, Ocwen Loan Servicing , LLC agreed to wave all associated late fees. Further representing my level of responsibility and good faith, I then paid the entire remaining three-month balance in full during the same conversation. 

Still, somehow, this catastrophic malpractice resulted in the reporting of a 60 day late-payment notice to the XXXX major credit bureaus. I pleaded with Ocwen to contact the XXXX major credit bureaus and remove the unjust blemish from my credit score. I was told to submit a case to their credit reporting department, which I did. This process was painfully inefficient and wildly confusing. Two-weeks later, I finally received a thick packet of fine print ultimately explaining that Ocwen was refusing to remove the credit blemish. 

It is unjust that XXXX be subject to the incompetence and deceit of a company for which they had no choice of the matter. This is especially true when concerning a repulsive and scandalous company like Ocwen Loan Servicing, which has been subject to XXXX dollars in fines as the result of multiple lost lawsuits for blatantly lying to and deceiving the public.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with Midwest Recovery Systems (IL).
Issue: Other

Complaint: There is an unknown credit card debtor on my account which I know nothing about and have never known anything about it. These companies should not be able to report anything that is not valid until proven which in this case, it is not and will not be proven because this is not mine. In the meantime, my credit report score goes down 20 point without anyone proving this case. I dispute this behavior and I definitely dispute this charge. I want it removed immediately. The Company name is Midwest Recovery, XXXX, Missouri XXXX. Phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Other

Complaint: This is about my Target Credit Card. In XXXX of this year, I made a payment on my Target card with my checking account. The payment was returned by bank, It was a mistake by my bank. In XXXX I made my Target payment in the store with cash. A week or so went by and the payment was not posted. I called Target credit and inquired as to why.my payment was not reflected. I was told that since my XXXX payment had been returned, they were holding my XXXX payment for 12-15 days. I asked why as the payment was cash. I never did get an answer. I then made my XXXX payment in the store with my debit card ( also a cash transaction ) and again my payment did not show up. I called and was told that since my XXXX payment had been returned, no matter how I make my payment for the next 6 months, it will be held for 12 to 15 before posting. I asked when was this policy made and why did Target not inform it 's customers of this change. The representative told me we do not have to mail you any thing, now you know and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ARA keeps calling me 2 to 3 times a day. They said they are an acquisition firm. I do not owe any debt. One of their numbers is XXXX out of the state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: Based on the evidence that I have found it appears that my Mortgage Loan Payoff was overcharged when it was refinanced in 2001. The overcharge carried over into my new loan which caused further overcharges in compound interest. The overcharged payoff also created an incorrect loan to value ratio that extended my payments for the required Mortgage Insurance Premium.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Other bank product/service) with ACE CASH EXPRESS, INC. (CA).
Issue: Account opening, closing, or management

Complaint: When I logged into my account with Ace Cash Express, I was surprised to find that I could not log back out. All of my personal information was there on the page including SS #, birthdate, check routing number and account number, my address and phone numbers. When I pushed the back button, it asked me to sign in again but no logout! None of their pages have a logout so I called them. I have been hacked in the past and worried that anyone could just pull up my page history. XXXX then rudely said that I probably just need to look around for the button. This was ludicrous to me as it does n't exist which she later admitted. Then she said I just need to X out of the page. Really? After that, I was still able to push back and see all my info again. At this time, I just wanted to cancel my account. I called back and asked for all my info to be removed and then was told that there is no way to remove it even though I owe them nothing! They said it was for an auditing reason. All of this is bogus and I want my information off of their site once and for all. At the least, they should have a logout button to protect delicate consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: On morning of XXXX/XXXX/2015, I woke up to having my account overdraft XXXX times with the bank maximizing overdrafts fees. I called the customer service center to find out why the bank charged my account the higher transaction first. The customer service rep was rude and starting yelling at me, the bank does not stack transactions, the its policy to pay off the higher one first. I asked for senior specialist, the lady told me the same thing, bank pays off the higher transaction first. at the point i requested a manager. I explain to him by paying off the higher item first, chase was re-ordering transactions to clear the highest item first is not considered a neutral, chase was maximize overdraft fees is in direct conflict with FDIC. I told him the XXXX previous rep told me that same thing, bank pays off the higher item first. He tried explaining in a different way after i told him he was conflict with FDIC. The rep told me it was in favor for the bank to pay off the higher item first. I thanked for his time and ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 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: Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: I am writing to request that Transunion update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). Transunion has failed on 6 occasions to investigate, and correct the inaccurate reporting of the late payments that are appearing on my credit report. On XX/XX/XXXX I received a letter from Transunion, dated XX/XX/XXXX, stating that this account had been verified and updated, but no changes were made. This negligence has caused my credit score to drop dramatically, because this account is reporting previous late payments when in fact it was NEVER late. I contacted XXXX in order to conduct my own investigation. XXXX corrected the inaccurate delinquencies and updated my account. Attached, you will find a letter that clearly states that the account is paid, closed and that ALL inaccurate delinquent reporting has been removed and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct. I would also like for an updated, corrected credit report be sent to me within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with Real Time Resolutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In the process of trying to refinance my home in XXXX XXXX, my credit was pulled on XXXX/XXXX/XXXX, and this Real Time Resolutions collection was showing up on my credit, which essentially ruined my opportunity to refinance my loan. 

I sent them a certified letter asking them to provide me with documentation that this debt was mine or that I had any business with them, including any contracts, my original signatures on their documentation, etc. They did not respond, so I filed a complaint with the bureaus. After the credit bureaus got involved, instead of providing the documentation I had requested confirming that the debt was mine or that I had any type of business contract with them, the company just removed the debt from my reports, which showed clear when it was pulled again on XXXX/XXXX/XXXX. 

As I was getting ready to apply again this month for the loan which has a balloon payment due in XXXX XXXX, I checked my credit again, and the same company is reporting the debt again, but now they 're using a slight variation of the original company name. They have again ruined my chances of refinancing my loan, which is due now in XXXX. 

I need this debt removed immediately so I can refinance my balloon payment loan, and I need this company to stop placing this debt on my credit report. I fear that they will wait a few months and again place the debt onto my credit report. 

I am forwarding copies of the credit reports which show the timeline of when the debt originally appeared, when it was removed and the date it showed up again, showing the same debt but with a slight variation in the company name.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: My concerned is that chase advertisement for an authorized card holder user is false .... and it does n't give any benefits to the authorized user just bad ones ... I called Chase customer service 5 times even talk to a supervisor and all told me that being an authorized user will help with your credit history since it will be reported in your credit report. I was reported for more than 10 years ... and I remember exactly they told me it was the same as having a secured credit card just not having to put some money down ... so it does n't help you out it just hear user because if the primary account holder defaults on their card you get a mark on your credit report and ca n't be removed. I want this escalated or want a letter saying that being an authorized user will not help your credit score but if the person is late or does n't pay it will be marked in the credit profiles of the authorized user. this is why I think this application needed to reconsider or the inquiry denied ... because of the false advertisement..

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I had XXXX. I woke up one day and was XXXX. I was XXXX until XX/XX/XXXX and am now recovering. During the time I was Ill no payments were made on my mortgage and a foreclosure was filed The sheriff 's sale is Tuesday I have XXXX in equity in the house and the bank refuses to postpone the sale to allow me to work out a payment plan and bring the loan current The lender is the Bank of America loan number XXXX. I have been talking to XXXX XXXX Ext XXXX. I do not want to have to file bankruptcy chapter XXXX to stop the sale They claim they offered me a modification last spring but I was XXXX and XXXX. XXXX XXXX XXXX XXXX , Illinois 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 11/23/2015 about Bank account or service (Checking account) with MIDCOUNTRY FINANCIAL CORP (CO).
Issue: Account opening, closing, or management

Complaint: There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation

Company response to consumer: Closed with explanation