milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Around the holidays of 2015, I received a postcard in the mail from citibank. The advertised promotional offer XXXX, stated that if I opened a citigold account, use the debit card to make {$1000.00} dollars in purchases and use my checking account to make XXXX qualifying bill payments, I would be rewarded XXXX XXXX XXXX Advantage XXXX. I used the online chat function to confirm the promotion was for my account and the stipulations I needed to make in order for the promotion to be valid ( please see screenshot attached of online chat ). I have since placed upwards to XXXX calls to citi confirming the offer was in fact linked to my checking account and to call back once I had finished these requirements. I have called back more times than I can count, and it seems that the staff gets just as frustrated with the situation as I do, although they have yet to credit my AAdvantage account and have sent me an email saying I do not qualify for this promotion I 'm not sure if citigroup over extended themselves with their offer, but they need to make it right. Causing a customer to call more than 10 times to have a problem resolves is absolutely absurd. They continue to tell me they 'll look into it, but never call back and do not find a resolution to the situation. The only correspondence I have received is from citi bank NOW saying I do not quality for this promotion and to provide the original postcard to them that I received nearly 10 months ago.

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 09/29/2016 about Payday loan () with Rosebud Economic Development Corporation (TX).
Issue: Can't stop charges to bank account

Complaint: XXXX very rude and harassing people at my work a guy named XXXX called random numbers got one of my co workers and asked for me. I agreed to pay XXXX a month and next thing you know they drafted XXXX from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have made the following withdrawals from my XXXX  account, and these were indicated to become available on my bank account by XX/XX/XXXX/XX/XX/XXXX, but have not been sent to my bank account ( IBAN : XXXX ) as of yet. 

Similar withdrawals in the past, were always successful, and received within the indicated timeframe. 
I need the funds to be available as soon as possible, and as the total concerns over XXXX USD, I hope you can appreciate the urgency. 

I have tried to contact the company, but to no avail, as there is no response to my submitted ticket ( case # XXXX ), and their helpdesk via phone keeps one in the queue endlessly ( I had to hang up after 1.5 hours yesterday ) I appreciate your help in this! 
Thank you in advance, XXXX XXXX XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX  Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a large student loan debt with Navient ( formerly XXXX XXXX ) due to going to medical school. I understand having to pay interest on all loans, however, I do not understand how over the last six years since being done with residency, I have paid a total of {$180000.00}, {$150000.00} of which has gone to interest and only {$32000.00} toward principal. 
Over these last six years the yearly amount of principal paid is as follows : XX/XX/XXXX : {$6400.00} XX/XX/XXXX : {$860.00} ( yes, this is correct ; less than one thousand dollars ) XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$7300.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$9200.00} I 'm happy to include any documents needed. 

Having this large debt persist has prevented me from being able to purchase a home and, hence, I have been losing money in rent. 

In XX/XX/XXXX, I wrecked/totaled my vehicle and had difficulty getting approval for a new one.

I 'm desperate for help in this matter and the idea/hope for some form of resolution to this. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has been reporting a fraudulent debt assigned to my name by XXXX XXXX XXXX also know as XXXX XXXX XXXX. I have disputed this debt since XXXX 2015 for over a year with Equifax. It is still be verified as my debt even though I have provided Equifax with an identity theft affidavit. I have also provided Equifax with two police reports of identity theft. I have even provided Equifax with the notification to the collection agency to cease and desist. <P/>This reporting by Equifax has ruined my credit and has harmed me irreparably. <P/>I have called and even purchased the credit monitoring service to no avail and still Equifax is stating that my information is being verified by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to 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 12/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: because of wells fargo home mortgage unfair business practices, my homeowner rights have all but evaporated. on XXXX XXXX i opened a letter from wells fargo stating that my home modification has been denied. the reason for denial was known by wells last XXXX 2016 when i first started my home modification process. instead, they have taken me on a 9 month process only to deny me. if i would have know this at the beginning of the process, i could have resolved my mortgage issue through different means. now they have total control over my house and are foreclosing. something is very wrong here and there are some very disturbing business practices being conducting by wells fargo that needs to be investigated immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: CHAMPION MORTGAGE Company keep sending me FRUGLANT Bill that is not Allowed on my Mortgage Note and is Threatening to Default the Mortgage Note.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing statement

Complaint: I made the mistake of opening a Lowes credit card and it has been a nightmare ever since. They charged me late fees on items that were NEVER PICKED UP and Lowes was notified that I was canceling the order and now they are reporting that my account is XXXX days late? I used this card ONCE and it will NOT GO AWAY. They started me out with a {$500.00} limit and because I had not noticed that the inept people at LOWES did not process a return when they should have they reduced my limit to {$100.00} further damaging my credit. I do not owe late fees for a balance resulting from RETURNED items.

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 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was paid and closed but remains on my Experian credit report. Even after I requested for the items to be removed, the items remain and are damaging to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Struggling to pay mortgage

Complaint: XXXX is disputing this repayment plan and the fact that SPS did not do a full review, rather look at income alone and did a repayment plan. It is shocking that SPS is keeping the interest rate at a staggering 11.15 % and raising their payment by 2 times. SPS is increasing their payment by {$2300.00} per month. That is shocking. An interest rate at 11.15 on a first mortgage payment today would fall under section 32 TILA.
XXXX is requesting that you establish an affordable payment and take into account the hardship which detailed serious ongoing medical problems for XXXX XXXX.
XXXX made their first payment of {$3700.00} on XXXX/XXXX/17.
XXXX is respectfully requesting a full review and an affordable payment plan based on their household income minus medical bills that average {$1200.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Collection information from XXXX XXXX needs to be removed with immediate effect this does not belong to me. See attached for letter from XXXX. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I placed a money transfer order with Western Union on XXXX/XXXX/16 for {$1700.00} to help with my parents medical fee overseas. Western Union did not make the transfer and emailed me saying they rejected the transfer of the money and would refund my money in 3 to 5 days. 

It has been now 11 days and I still do not have my money back. I called them several times and each time they give me a different answer but the money has still not been returned to me and I do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After receiving a copy of my Experian credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Experian, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Experian has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed.
I demand the following accounts be verified or removed immediately.
XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCredit Unions XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXXTenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX 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 02/17/2017 about Debt collection (Credit card) with Alliance Data Card Services (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX and Comenity Capital Bank XXXX XXXX XXXX OH XXXX XXXX for account number ending in XXXX has harassed me since XXXX by charging me a late fee of {$37.00} for a balance that was paid in XXXX 2016 in full. I have called and asked this to be corrected and they have refused. They continously report this to the credit bureaus monthly driving my score down over XXXX points since XXXX 2016 EVERY MONTH. 

I reported this to you in XXXX and still not resolve? When can I expect some help from you with an issue that is clearly out of control and unfair? They now have a balance of {$130.00} built strickly from late fees and interest that they are reporting which is incorrect and should be XXXX as this bill is paid. 

The original credit limit was only {$250.00}. I made orders and paid them faithly on time each month. Only when I paid the balance off did they start the antics to continously collect funds an keep me in debt. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Trouble during payment process

Complaint: This issue has never been addressed. Wells Fargo keeps adding in the two people that used my property. This is between me and Wells Fargo. 

I used my personal promissory notes to pay off two peoples home loans. 
One in the amount of {$60000.00} the other for {$25000.00}. 
Wells Fargo kept both payoffs and required one person to keep paying and sold auctioned off the other even tho the loan payoff was sent overnight. 

Wells Fargo stole from me when it refused to return my loan payoffs when the two people were not given their homes free and clear. This is the reason I filed the complaint and not the other two people. It was my promissory notes that Wells Fargo kept for itself not theirs. 

I have the letter from Wells Fargo that proves Wells Fargo received both promissory notes which has been sent to the CFPB Ombudsman. I welcome investigation. 

CFPB treatment of my promissory notes in this manner is violation of Article 75, Bills of Exchange and Promissory Note Act and accusing my promissory notes are fraudulent is slander. 
CFPB please ask Wells Fargo why it kept my promissory notes when the loans were not paid off. 

CFPB if Wells Fargo tells you it does n't accept promissory notes ask why does Wells Fargo 's own website have the definitions of what a promissory note is and why does Wells Fargo require a promissory for every loan it makes. 

CFPB please ask Wells Fargo why it 's own advisors wrote a {$440000.00} promissory note if promissory notes are worthless. 

CFPB the asset that backs my promissory notes is my promise of monthly payment and the promissory note itself. My promissory note is freely transferable same as the one Wells Fargo advisers wrote. 

CFPB investigate this matter thoroughly as Congress gave you the authority to directly handle individual consumer complaints.. Due to the nature of this complaint I have notified members of Congress and the Senate. 

CFPB require Wells Fargo to publish its response to this complaint in your public forum no private messaging or post mail of any kind.

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 08/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Advertising and marketing

Complaint: I have been with Capital One since XXXX of 2016 and i have had to go thru the XXXX just for them to increase my credit limit this month and they still have not reported to any of the credit bureaus like they are supposed to be doing an that is a breach of there terms and Agreements because they lied and i want them to report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Incorrect/missing disclosures or info

Complaint: Paypal did not notify me in advance that I would not be able to use the instant transfer. It seems to be something that is not readily available. You can use it for XXXX transaction and then when you make an identical transaction for the same amount to the same person the next month, you are not able to complete, but the following month you can. A search on google implied that it could be due to an credit card coming up for expiration but offered no other reasons for when that is not the case - and by the way these are not answers from paypal but from other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Renton Collections Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called Renton Collections today to pay a debt in collections from an ambulance ride I was given after having a XXXX XXXX shortly after Hurricane XXXX forced me to relocate from XXXX XXXX to the XXXX area. 

My credit report showed the debt as {$1000.00}. But when I gave my credit card information to the woman ( XXXX XXXX ) assisting me over the phone, she charged me {$1600.00}. She explained that the nearly XXXX additional dollars were due to interest. I agreed to pay that amount in full, but requested an itemized breakdown of the accrued interest showing how we got to that number today. 

She refused, and instead emailed me a proof of payment showing the total amount charged, but without explaining how that amount was arrived at. She told me that information would be available if I made a request in writing. I asked to speak with someone else in the organization who may be able to help. XXXX first refused to transfer me, explaining that she was the manager, but eventually transferred me to XXXX XXXX. 

XXXX also refused to provide me with any sort of written breakdown of the figure I had just paid. At one point he suggested that I was a criminal for " not paying to good doctors who provided me with such good service ''. 

XXXX transfered me back to XXXX. XXXX continued to refuse to provide me with the information I was requesting, showing how the debt increased. Both XXXX and XXXX told me multiple times to go to " XXXX and use the calculator to figure out how interest works. '' When I reminded XXXX that she had earlier offered to send me this information if I made a formal request, she backtracked and said that Renton Collections would forward my request to their lawyers and then decide if they could share anything with me. 

XXXX told me at the end of my call that I was a special case and that they were wiping my collection notice off of my credit report because they had never called me to tell me about the debt. She said that records showed they had mailed me once at a XXXX address that I do not actually live at. 

XXXX also suggested that she could put the debt collection notice back onto my credit report " if I wanted her to ''. 

I have an email from XXXXXXXXXXXX showing I paid {$1600.00} today, but have been refused an itemized breakdown of the debt, or even proof that the debt was owned by Renton Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Medical) with Prince Parker & Associates (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation