milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing statement

Complaint: I have a Macy 's credit card account which has been in good standing since XXXX. In XXXX, XXXX I purchased a dress for {$100.00}. In XXXX I paid {$30.00} to my Macy 's account and then later in XXXX, I returned the dress and made a purchase of around {$40.00}. I was thinking that with the {$30.00} payment and the return, I was probably about even and assumed I would receive a bill for the balance, if there was one. I have not used the Macy 's card since XXXX. In XXXX I reviewed my Fico score which is provided by XXXX XXXX XXXX and I noticed that it had suddenly dropped from the mid XXXX 's to less than XXXX for " delinquency ''. But I was unaware of any accounts that were delinquent. I then pulled up my credit report and saw that Macy 's had reported me to all XXXX credit bureaus as being 90 days delinquent, which greatly impacted my credit worthiness. I looked online at my Macy 's account and saw that I had a balance of {$12.00} in XXXX and then fees and interest had been added for the next XXXX billing cycles. I saw that my account was " late '', that I owed {$35.00}, and that my available line of credit had been dropped from {$4800.00} to {$300.00}. I immediately paid the balance. My complaint is that Macy 's never called me, sent an email or mailed me a bill. There was never any notification to me, by Macy 's indicating that I had a balance due. Now, because I was never properly billed for the {$12.00}, I have bad credit. I am hoping that there is some way this could be remedied, especially considering the low dollar amount that I owed and the fact that I had never been late in the past.

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 06-04-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  XXXX , I started a loan forgiveness program with  XXXX   XXXX   XXXX  who has been great at handling everything. They work w ith FedLoan Se rvices to allow me to have income driven payments for 10 years and the remaining balance to be forgiven.   Last year, I received a payment of {$14.00} per month compared to my normal monthly payments of {$350.00}. Wow, that was great. It was what the program promised. I receive communication from   XXXX   XXXX   XXXX   that my payment calculation was wrong, but the company would allow me to pay the {$14.00} each month instead of the $ 20ish dollars it was supposed to be.   This year, we resubmitted my tax information f or FedLoan Services t o calculate my new payment Starting  XXXX   XXXX . I received a letter, bill and an email ( dated  XXXX   XXXX  ) saying that my new payment was {$0.00}. Wow, I thought that was even better. I was excited!     On  XXXX   XXXX , I get a letter and a bill that states my n ew Income Driven Pay ment is {$70.00}. WHAT? I called immediately because that was a huge jump from the year before and it certainly was n't {$0.00}. I talked to the person with badge #  XXXX . They were no help. All they could tell me was that there was a mistake made and this would be my new payment. I asked some questions about how these mistakes keep happening, but this is my new payment.     I then called   XXXX   XXXX   XXXX   and they said that they received information from FedLoan that there was an error and that {$70.00} is my new payment.     I am not happy and I do n't understand how they can mess up continuously like this. I wonder if they actually even look at the information provide or if they just pick a number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (NJ).
Issue: Deposits and withdrawals

Complaint: Yesterday, XXXX XXXX i received my direct deposit at XXXX XXXX and tried to access the funds at XXXX XXXX and could not. When i called the customer service phone number i was on hold for over an hour. The agent told me that there was a problem with the direct deposit file and that all funds were reversed and would be re-deposited in about 1-2 hours. Today, XXXX XXXX as of XXXX XXXX, i still do not have my direct deposit funds and today is the actually payday. I called customer service again and they say they are working on the issue and i would receive a text once the funds become available.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: TRANSUNION AND XXXX WILL NOT GIVE ME MY REPORT NEED THEM ASAP CAN NOT WAIT 15 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 08/20/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Other fee

Complaint: quite some time ago possibly XXXX years I opened a united milage card with chasein XX/XX/XXXX iI opened a united mileage plus explorer card with chase which has more benefits i was told. I verbally asked to have the XXXX card closed. they did not close it as requested. in XX/XX/XXXX i realized i still had XXXX accounts and asked to have to closed and my mileage combined. i cut up my original card. i checked in XXXX XXXX and found united still had not combined milage which they said they would do. I few days ago got a new card from chase for the old susposed closed account and called chase getting he run around from XXXX and XXXX and a supervisor XXXX XXXX saying the card fees could not be refunded. I asked for her manager - she said none available but i would be called back next morning - next afternoon i had no call so again called for manager was told all busy and now would be called back in 3 days. XXXX card fees were taken out of my bank account even though only XXXX card was used. XXXX fees were taken out previous year as well. i wish XXXX fees refunded. 
My father is a retired XXXX XXXX. I am a XXXX times XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BROKER SOLUTIONS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called and spoke with a representative about the promotion, asked to not have my credit pulled and was told there would be no hard pull on my credit, and indeed they did pull my credit, without authorization. Called the company directly to dispute and they said that I gave verbal authorization, I asked for proof of agreement and they had none, yet they refused to remove the hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX XXXX at Bankof America Corporate OFFICE Headquarters Bankof America XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX about i hadandaccountwiththeBank Account Number XXXX and Rrouting XXXX the Bank phone numberis XXXX XXXX XXXX theysaidtheBankaccountwasand XXXX XXXX XXXX XXXX/XXXXtosendbyXXXXonly {$75.00}, torecivers XXXX XXXX XXXX XXXXshesaidtheyhadDeposit XXXX} and i couldstartwithdraw XXXX/XXXX/15 i talk to bank of america atmyhomeandtheysaid i do not haveaccountwiththem andthatthis a scamtheyemai XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I wrote a dispute letter to the third party company XXXX and to Transunion regarding this suppose debt however Transunion wrote me back stating that the updated my credit file. Transunion did not send me any documents stating that they verified this supposed debt with this third party company. How can they not investigate this suppose debt with this company and kept it on my credit file?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Medical) with Capital Accounts, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account fromCAPITAL ACCOUNTS LLC. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX purport I owe. I request thatCAPITAL ACCOUNTS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ACCOUNTS LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Student loan (Federal student loan servicing) with MOHELA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: This is report, yet again, another a problem with MOEHLA student loan servicing. This time, the web site 's secure message center seems to be XXXX XXXX  or worse, the company has completely removed the ability to e-mail the company with a question. 

Tonight, I tried to send a message to the company in order get more information about its claim to offer a " CASHLoan 3 % Interest Rate. '' According to the website, " Interest rates may be reduced to 3 % during XXXX XXXX XXXX ... .Eligibility is based on XXXX XXXX  status reflecting on the SCRA Website. '' Yet that is it. There is no further information. 

When I attempted to go to the MOHELA secure message center in order to submit a question, the process totally and repeatedly failed. It appears to no longer be possible to send a message. Rather, unsuspecting customers are first lured into a secure message center that looks real. But upon choosing a subject from a drop down menu ( of which are severely restricted ), the site only allows you to choose from a preset subject. Upon clicking the preset subject, the site simply displays a small narrative -- much like a FAQ section. In my case, I selected " other. '' MOHELA displayed " Sorry, messaging is not available for this topic. " In sum, tonight MOHELA is blocking customers from submitting questions to the company via e-mail. 

My hope is this is just a temporary IT error. However, knowing the company for as long and as well as I do, this is likely the beginning of yet another way to reduce service to customers by a company with little or no oversight of there employees that promotes an anything goes/no controls environment. Thank XXXX for the CFPB to investigate and pursue an enforcement action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello, my name is XXXX XXXX. I took out a loan in XXXX of XXXX from XXXX XXXX. In XXXX I started paying it back so I can get out of it being defaulted but stopped paying about 6 months into my payments. Last years tax return ( XXXX ) I filed my taxes and was supposed to get it back but when I never received it I called their offices and was told it was used to payback my student loan ... The debt collectors had garnished my wages since XXXX of XXXX and then they took my tax return and I finished paying off the rest of that loan of XXXX something. Well I 'm sure they 're allowed to garnish my wages but take my tax return? Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has let unverifiable information back to my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: Dear Board : In XXXX a series of emails ( XXXX ) went between my email and XXXX XXXX, an investment company in XXXX, requesting a distribution of {$35000.00} from my retirement account. I never initiated these emails nor were they visible in my email program. XXXX distributed the money by wire to a fraudulent account in a XXXX Wells Fargo account. This account was set up with my information but another name on the account, unrelated to me. I was made aware of this when I received a letter from XXXX acknowledging the distribution. I emailed, then called immediately denying that I had requested this payout. XXXX was made aware of the error/theft and I immediately went to our local Wells Fargo bank with the police. A search warrant was issued and the money/wire transfer was traced. 
XXXX, Wells Fargo, and XXXX have fraud teams working on this and to date I have all but {$4000.00} back in my account. However, several regulations were broken. XXXX is obligated to confirm by phone that I had requested this. They did not. The hacking of the email appears to be from their end, not mine, per the forensic IT department that I hired. Wells Fargo did not do their due diligence in setting up the fraudulent account. How can an account be set up with my credentials in XXXX in XXXX? Then they accepted a wire transfer with my name on it into an account with someone else 's name on it. Our local police say it is out of their jurisdiction now since it crossed state lines. So who is tracking the criminal? 
No one has assured me that I will recover all my money. No one is taking responsibility at being at fault. But both companies did not follow regulations and rules. They need to be held accountable.

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 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent in a identity theft affidavit ( certified ) to Experian and they have ignored my request in re : to id theft number XXXX as well as the XXXX please have these accounts/inquiries removed direct result of identity theft commercial bank XXXX mortgage XXXX bank XXXX inquiries ally fin XXXX XXXX lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank 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 non-monetary relief
Consumer complaint received 11/16/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I have been charged for a " Payment Safeguard '' fee since XXXX of 2013 and I do not recall ever authorizing this benefit by Citi Card or requesting this.

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 02/17/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In XX/XX/2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a Lier and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.

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 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a tax lien thats incorrect on XXXX/XXXX/2015 via certified mail on XXXX/XXXX/2015 I received a response from the credit bureau that they previously verified and will not investigate it. I disputed this in XXXX of 2015 to get the info correct and they said they verified, I asked for method used to verify with no reponse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Managing the loan or lease

Complaint: I took out a CitiFinancial XXXX loan in XXXX. I made payments but when I was late by a payment, CitiFinancial filed a lawsuit against me. On XXXX XXXX, XXXX, this judgment was vacated by the judge. I continued to make timely payments on my accountuntil CitiFinancial sold my account to XXXX XXXX. I made the monthly payment to XXXX XXXX on account. After a short time, the account was once again sold back to CitiFinancial. I did not receive any statements but continued to make the monthly payments on time. In XXXX XXXX, I contacted CitiFinancial by phone and was told the amount due was {$2500.00}. This was incorrect. I continued to make monthly payments. In XXXX XXXX, I contacted Citi again to inquire as to why I still was not receiving statements and why there was no activity on my credit report. I was advised by email, I owed {$5200.00}. I than received a letter from XXXX advising that I had been sent to collections and Citi reported to the credit reporting agencies that I had defaulted on my loan. Even after producing the vacated judgment, they have refused to correct this. I continually get transferred and told they cant talk to me. But I was able to find out that they are now stating I have XXXX accounts. I have only had XXXX account through Citi. My credit has been affected by CitiFinancial 's inaccuracies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Bankruptcy

Complaint: my company is apart of my bankruptcy case that was filed in 2012 but are still reporting the account as a negative item with the credit bureaus each and every month.

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 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX addresses that I have never resided. How do we get them removed?

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