milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was approved for the XXXX $ repayment based on income. Both my student loan companies are charging more interest than I believe should be charged. I am unemployed at this time. Navient is not looking to help and I had to go through the actually student financial government website to find the help that I need. Even with XXXX I had to do the same tjhing. I wish instead of putting people further behind when it comes to repayment they would help people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$600.00} from Castle pay day and they specifaclly told me that my pay off balance will be {$750.00} ithis compamy have collected more that twice the amount i borrowed from withdrawing from my account only for them to tell me i still owe {$750.00} and some more finance charges.How can this be legal in the united states.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Payday loan () with MoneyLion Inc. (TN).
Issue: Can't contact lender

Complaint: Lender required bank verification by logging into account on their site that included answering a security question. My account is now at risk. I was told I was approved then after verifying the account I was denied.

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 03/27/2017 about Consumer Loan (Installment loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Problems when you are unable to pay

Complaint: I have fallen behind on my installment loan, they extended my loan but since I can not pay the full amount I wanted to cancel my authorized withdrawal of funds XXXX and make another arrangement, they said they would not cancel the authorization and that they were going to take the funds out and not cancel my consent so it would seem that I am ok with the withdrawal. I talked to a supervisor, he belittled me, he raised his voice and said " He was done with me '' and hung up. I called back at lease five times, and all staff that answered said they would not cancel my withdrawal of funds. They said I have not intention of paying the loan, that is not true, they are still calling me to make more arraignments, when I call back the number is not a working number they leave n my voice mail. They are also sending me letters saying they are going to take me car away, even though it is not a title loan. Lastly, they said they would keep calling my references. I think I can say this is not harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with States Recovery Systems, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: States Recovery is continuing to charge interest on a debt that was charged off by XXXX XXXX. To this date, I have paid {$1000.00} on a {$3600.00} debt and still owes according to them as of XXXX 2016, {$3200.00}. When I asked for a statement, I was told they do not send any statements and are not required to. States Recovery claims, XXXX XXXX ( Original Creditor ) are the ones who has this information but when I contacted XXXX XXXX, I was told the debt was sold to States Recovery. States Recovery claims collection efforts were instructions from XXXX XXXX and they did not buy the debt. These are deceptive practices, States Recovery are unable to provide me with any kind of information regarding a debt. They are not suppose to impose interest charges on a debt especially if they are unable to provide statements. I have tried to settle this debt but they refused to work with me. They continued to harass me at work, call different branches to find the exact branch I work, even after I told them to stop calling me at work and I have given them my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Greetings, Citibank has been reporting to XXXX XXXX XXXX  that I opened a checking account that I never opened. We tried to get this resolved last year and I was unsuccessful so I'm doing another complaint with the CFPB. Citibank sent me a form in the mail requesting various information about the account ... I responded to them and sent them the requested documents and I never received a response from them. I'm really tired at this point of the inconsistency from Citibank.

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 07-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Bank Citigold Checking account earlier this year. I signed up for the account as part of a promotion Citi Bank was running, whereby they promised to award XXXX XXXX XXXX miles to any new customer who completed a few requirements. I had never been a Citi Bank customer before and met all of the requirements ( two consecutive monthly bill pays and minimum {$1000.00} debit transactions ). When I signed up for the account, I spoke directly with a Citi Bank representative, and they confirmed to me that I was eligible and would received the points after completion of the tasks. It has now been over XXXX months since completing the requirements, and although Citi Bank confirms I completed everything satisfactorily, they have told me I will not receive the points. This seems unacceptable to me, as they told me at account signup that I was indeed eligible, and I have been paying a monthly fee for the account ever since. I completed all terms required for the promotion, but not they have chosen not to hold up their end of the deal.

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 01/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: I have had a bank account at Citibank for 13 years. At the time of opening, i negotiated a package with no monthly fee and no minimum. I just noticed on my online account that I am being charged a monthly service fee of {$25.00}. I looked back, and this fee was assessed month after month since XX/XX/XXXX. A total of {$270.00}. Citibank CLAIMS they sent me a letter telling me of this change, but they could n't have because I never would have agreed to it. I called and made a stink and only got {$100.00} back. This from someone who has XXXX bank accounts, a credit card and mortgage with this bank, and who certainly has less money to burn than Citibank does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2017 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing statement

Complaint: this is the fourth time i complain about this company last time a lady called XXXX XXXX responded and made false claims and told us in her letter to call if i needed anything to call i left here Several MSG never responded i called here today XXXX XXXX 2017 and told here i will send here all prof of my hardship and my hospitalization she said she alredy helped me once and there is nothing she can can do for me i

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.

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 05/13/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax or one of their 3rd party information suppliers have listed XXXX separate bankruptcies on my credit report when they are obviously the same bankruptcy. I have tried multiple times to get this error corrected, once with an internet submission and twice via phone calls to Equifax and once through CFPB. This is my second submission through CFPB. I have contacted the bankruptcy court and gotten copies of all public records, the court has, pertaining to my bankruptcy. My one and only bankruptcy was about 7 years ago. It was a Chapter XXXX and it was Discharged. During the years since there was a change in how the court districts where divided plus my original judge retired. This caused the court to do an " intra-district transfer. '' There was also a slight change in my case number indicating the new district code. The internal part of the case number did not change. I have attached, here, copies of the public records I got directly from the court. Sometime in the past several years some " lame '' 3rd party supplier of information looked at these records and put them in their database as XXXX separate bankruptcies. Equifax just keeps going back to this " inept '' supplier and getting the same bad information. Equifax lied to me saying " the court sends them the records and they are directly received from the court. '' Equifax has been sued and lost for the very same lies in the past. Public records are not sent out to reporting bureaus ever. Someone must actually go and access public records. I assume this service is supplied by third parties to Equifax. EQUIFAX PLEASE DO YOUR DUE DILIGENCE AND VERIFY MY INFORMATION BY DIFFERENT MEANS. GOING BACK TO THE SAME ERRONEOUS SOURCE OVER AND OVER JUST MAKES YOU NEGLIGENT. IF YOU, EQUIFAX , COME BACK TO ME AGAIN SAYING YOUR INFORMATION ON ME IS CORRECT THEN I DEMAND TO KNOW SPECIFICALLY WHERE YOU ARE GETTING THIS BAD INFORMATION. I WANT A COMPANY NAME AND ADDRESS, A DIRECT PHONE NUMBER AND A SPECIFIC PERSON TO CONTACT.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: Hello, I was promised a XXXX via Chase Credit Card Specialist phone conversation.In this situation I had opened up a Southwest/Chase Business card that had an opening reward of XXXX travel points if a minimum spend of {$2000.00} was met within 3 months. In my first month I hit the minimum spend ( XXXX XXXX ) and in turn had earned the XXXX points. To make sure that I was to receive the points into my Southwest account I called into Chase to investigate. In this conversation with the specialist he assured me that I had indeed earned the points via the minimum spend, and that in fact made me qualify for the XXXX Southwest Companion Pass. In the conversation I made my concerns clear that I did not want to the points to disburse later that the new year or the pass would not be awarded to me. At this moment he assured me that they would disburse by the XXXX cycle and also left a note on my profile that stated these above points that I had earned the points and than in turn qualified me for the pass. Moving forward the points were not awarded before the end of the year and I missed out on the promised pass.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled service with XXXX in XXXX 2015. I repeatedly attempted to dispute final billing changes to no avail. I am more than willing to pay the portion I actually owe. Since the account was closed I was no longer able to access my account information online. I sent numerous letters and called numerous times and was transferred from XXXX person to the next. Recently, my account was sent to a collection agency and reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Go Capital Holdings, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX  Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX  I have attached a copy of the report to this complaint.

Upon checking my credit I found an item from " Go Financial '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''.

I have never done business with either Go Financial or XXXX.

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 02/25/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
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: On XX/XX/XXXX I placed and order with walmart.com Order # XXXX the items show delivered on XX/XX/XXXX and left at the front door no signature just left not handed to a person but left. The other one shows delivered XX/XX/XXXX and left as well. The area is not the best area and Im not understanding why a package was left. I contacted walmart.com and they told me that they couldn't help me because the package states delivered. I asked why did the package not require signature they stated its up to them to decide if it needs a signature or not. I contacted XXXX XXXX XXXX to dispute the charge and they tell me since it shows delivered although the driver just left it the they can't credit dispute. So now I'm left with no product and a charge to my card that I'm supposed to pay with interest for items I didnt receive. Basically I feel like because I ordered from walmart.com with my walmart card they wouldn't decide in my favor any way because its the same company.

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 02-02-2018 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2018 at XXXX XXXX COMPLAINT ON MERCANTILE ADJUSTMENT BUREAU,  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX, XXXX, XXXX ext. XXXX 1. Experience - I have received repeated and frequent telephone calls on my home and business phones from the Mercantile Adjustment Bureau regarding a debt owed. I don't owe ANY money on any account that is associated with Mercantile Adjustment Bureau, and there is NO REASON for this company to call me regarding a debt.

2. No Accounts - I do not have any accounts that I know of that are associated with MERCANTILE ADJUSTMENT BUREAU.

3. I have communicated by telephone with MERCANTILE ADJUSTMENT BUREAU, that, I do not have ANY business with them, and there is no reason for them to harass me with ROBO calls to my home and business for a debt, for which they will not identify!

4. I have not received any written notification of any delinquent, passed due or in arrears accounts from MERCANTILE ADJUSTMENT BUREAU for any account ( s ).

5. I am submitting my telephone log with dates and times of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding has neglected to properly validate an account they are reporting to the credit bureaus in my name. They are reporting a past due balance owed to them in amount of {$1200.00}. I have sent them XXXX certified letters for which I have signatures showing receipt to get them to properly validate the account and show that I have contractual obligation to pay them and anything bearing my signature. This account appears to be well beyond the SOL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Mortgage (Home equity loan or line of credit) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Credit decision / Underwriting

Complaint: Underwriter at BBVA bank is using a credit report with a fico score of XXXX from XXXX XXXX where the real score is XXXX. I had XXXX credit reporting agency pull a mortgage credit report that shows the correct score of XXXX, XXXX points higher. I sent it in to BBVA but they wo n't consider a credit report from an outside source. They are denying my loan of {$80000.00} which is a 78 % CLTV and will only approve 70 % CLTV even though I qualify income and ratio wise. I feel there is obliviously something wrong with their credit reporting system and is denying me a loan I should easily qualify for..

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgager is foreclosing on my loan. I have been trying to rectify the problem, directly. 
I 've had no luck in getting any response. A friend suggested I try here before my trial. I have a trial for foreclosure on XXXX XXXX 2015. That is XXXX days from now. Can your help me to get a continuance on the trial. I have, again filled out the paperwork for modification of my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I can not access my Ally savings account via online, mobile or via telephone. It 's been over 2 weeks since I 've been able to access my account or even verify what my balance is. I 've called Ally on numerous occasions and I 've been told that it is an IT issue. I am refused my balance and twice I 've requested a bank card to no avail.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.

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 04-04-2017 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: BBVA Compass Bank has changed my monthly mortgage amount every since loan origination. They estimated my property taxes based off of a parital year payment. When My monthly mortgage went down, I called them up and asked if there had been some mistake. I was assured that there was no mistake and that this was the correct amount for my mortgage escrow. 1 year later I had a {$10000.00} dollar shortage. The bank then blamed me for the mistake and I have been paying off the shortage over a spread of 5 years. Every year I have to submit new documents or the mortgage amount will go up ( which I have done every year ). I recently changed insurance providers and my premium is half of what it was. The bank removed the shortage spread ( even though I have a current shortage spread submitted to them in XX/XX/2016 ) and debited the new amount from my bank account. And so with a reduction with my insurance premium they have INCREASED my monthly payment, removed my shortage spread ( that I was alread approved for ) and debited the money from my bank account.

Company response to consumer: Closed with explanation