milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
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 Sunday, XX/XX/XXXX- I tried to order the XXXX XXXX fight via XXXX XXXX. It was a world wide problem with streaming services and fight, they literally delayed the fight because so many could not watch it. I tried to order on XXXX and it never gave me the option to watch the fight - only to keep renting it. I was on the phone for 45 minutes on hold with XXXX tech support, never reaching anyone ( which they acknowledged since high volume that night ) I gave up. 

I find out that i was charged for the fight. I contact XXXX and they say they are not offering refunds on XXXX and to dispute it with my bank. I dispute the charge with Citi, under advisement from XXXX themselves. Citi sides with XXXX and will not be refunding me. Neither party can answer how I was charged for a service that could not be delivered and neither party will be giving me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: TransUnion & XXXX XXXX continues to re-age an charged off account and TransUnion continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XX/XX/2018.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Navient has  my account listed w ith 3 nega tive payments from  XXXX   XXXX . and  XXXX   XXXX  in which they are adversely affecting my credit worthiness. I have never been late on this loan and was currently in a deferment during this time that they are reporting inaccurately. I have disputed this with Navient and the  XXXX  credit bureaus and they continue to report incorrectly which is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As per the creditor XXXX and the credit reporting agency ( Equifax ), I 've waited 60-90 days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was being charged for equipment I returned in XX/XX/XXXX to XXXX. I called XXXX stating that there was dept in the amount of {$1600.00} for the equipment on my Credit Report. The representative saw on my account that they received the equipment. She started a case to let the dept collection agency now that the account is at a {$0.00} balance, and that they should have reported a dept on my credit report. My case number for XXXX is 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 03/17/2017 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Taking out the loan or lease

Complaint: I financed a car at XXXX in XXXX ohio on XX/XX/2017 through huntington bank. I asked and was told there is no loan fee. Nothing on ny paperwork shows a loan fee. XXXX was added on line XXXX and then subtracted on line XXXX. On XX/XX/2017 i went to refinance through XXXX XXXX and thats when i found out about a XXXX loan fee. I have tried to work this out through huntington and was told i will get back the XXXX and now they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: and XXXX cell phone account and a XXXX internet account was openened by my ex-spouse over a year ago without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Payoff process

Complaint: my credit card company will only allow me to make minimum payments or pay the entire balane

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: Purchased an item and offered interest free for 24 months if I got their credit card ( GE Capital, now Sychrony ). I was given an amount to pay over those 24 months and set up automatic payment on GE Capital 's ( now Sychrony 's ) website. Problem is twofold : 1 ) Not really interest free, it is interest deferred ; and 2 ) the monthly payment they set up for me was a minimum amount and not sufficient to pay off the amount in 24 months. On 25th month, got hit with interest charges and late fees retro to the original principal amount, even though XXXX % of the principal had been paid. That was 34.99 % interest per month retro for 24 months! Statement just prior to last payment said nothing about this happening. Did n't know about it until interest charge appeared on next statement. In fact, 23rd statement just said that I had to continue to make the minimum payments to avoid a {$35.00} late fee. That was incorrect as well. I had to pay it off in order to avoid the penalty charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: XX/XX/2016 I received a letter from Citibank offering me XXXX reward miles if I fulfilled the terms of the promotion ( code XXXX ). I opened the account in XXXX, fulfilled the requirements ( spend {$1000.00} and submit two bill pay transactions ) and I was promised the miles per the letter within 90 days of fulfilling these requirements. Time passed and I had not received the miles so I contacted Citibank several times and via live chat, they told me " They specifically told me " You will receive your XXXX XXXX miles no later than XXXX/XXXX/16. '' XX/XX/XXXX passed and still no miles, yet I am racking up account fees. I have continued to contact Citibank who NOW in XX/XX/XXXX and XX/XX/XXXX ( never before ) is telling me I was not on their list of customers to offer this promotion to. I honestly believe that they have intentionally dragged out the resolution of this so they could continue to collect my $ 30 monthly charge. I am extremely upset/disappointed with this situation and how Citibank has handled this. In my opinion this is borderline fraudulent behavior and their practices have been extremely deceptive.

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 04-03-2018 about Debt collection (Other debt) with ProCollect, Inc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Procollect Incorporated calls me at my phone number XXXX requesting payment of a debt for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I have repeated and told procollect Incorporated on 3 different occasions that I am not the person they are looking for - XXXX XXXX XXXX XXXX. today I spoke with XXXX XXXX at extension XXXX XXXX XXXX and XXXX XXXX at extension XXXX XXXX XXXX and they both told me that my phone number listed above was taken out of their system. I called back and asked the receptionist to research the account based on XXXX and my phone number is still associated with the person in which they are trying to collect a debt. 

Previously when I receive phone calls from procollect Incorporated, I let them know that this number was not associated with the person they are looking for and I was assured my phone number, XXXX, was removed from their system. I get called from their collectors about every month looking for the person above in relation to the debt they are trying to collect. I do not want to be receiving phone calls from procollect Incorporated anymore. 

I wish my phone number to be permanently removed from their system and to never receive a collection call from Pro Collect Incorporated ever again. 

I have the voicemail from todays phone requesting to contact me at my phone number.

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 03/13/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, my wife and I was told by my account manager at Bank America that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX as ofXX/XX/XXXXand this was requested by XXXX XXXX XXXX XXXX The Investor request. As of XX/XX/XXXX to date since we are consistently being mislead we are asking for XXXX to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to 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 12-07-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: Huntington National Bank had a system issue causing some debits to double charge. Huntington was well aware of this issue as they had banner notifications on thier website while they were working thru the problem. My account was double charged and as promised, huntington reversed those charges. They did not however reverse the Overdraft fee caused by this double charging. I called in and spoke with a telephone banker and teh banker was able to reverse those charges for me over the phone as well as a extended overdraft fee that was also a result of the original overdraft. A day later ( unbeknownst to me ) Huntington reversed the refund off my account. This caused other OD fees when I used my debit card. Huntington now says the charges are my fault when my statement ( screenshot attached ) clearly shows the errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2017 about Student loan (Private student loan) with SLM CORPORATION (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: In XXXX we paid college loan amounts on our son and daughter to XXXX for {$79000.00} and Sallie Mae for {$26000.00} This is {$100000.00} dollars with probably XXXX or XXXX as much in late fees and interest. It took all of our savings. My daughter had some left {$20000.00} left that we could not pay and they are coming after her with late fees and wants {$250.00} a month and said she was in default. She has struggled to find a job in her field and the money she has made goes to her living expenses. This is not fair. At this point we wished we would never of even sent them to college. We raised good kids and to send them to college should not of taken all of our savings and caused her this much stress. I see people doing better that do nothing and live on welfare. We definitely picked the wrong loan company but do n't know what to do now. It has ruined us and now we have to worry about this all over again. She has government loans she is paying back but they are willing to work with her. Sallie Mae is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a loan on a car for 12 years. This is illegal. There was too much interest accruing.

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 05/22/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than 20 occasions and they keep me on hold for long times and eventually the call is disconnected. When trying to file an online dispute they have a 200 word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. Due to this I was recently denied a student loan ; in the student loan form I was told specifically that the loan was denied due to the XXXX collection account reported on my equifax report. What they are doing is costing me time and money and may prohibit me from going to school to finish the last year of my XXXX XXXX XXXX. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I closed a loan from Wells Fargo back in 2011. I had disputed an address on my credit report which was associated with it ( my attorney for closing 's address ). I 'm now trying to purchase a new home and ca n't get a loan because on my credit report it 's saying that the old mortgage is being disputed. On XXXX XXXX, I faxed a letter to Wells Fargo with the request as they told me to do. I called them a XXXX later and was told that there was no way of looking into the matter as the division of Wells Fargo that deals with it does n't have a phone number or e-mail. After many more attempts I spoke with a lady who informed me that the fax was received and that there was an image on the account but that she could n't open it to see what it was. I called back a XXXX later and spoke with XXXX who stated that she had sent an e-mail requesting a follow up on the incident. I called XXXX 's direct line ( XXXX ) as she had told me to do and requested she call me back. On XXXX I called XXXX 's direct line again, and again requested she call me back and as of this date XXXX I have not heard from XXXX or Wells Fargo. All I am looking for is a letter from Wells Fargo stating I am no longer disputing the loan so that I can move on with my life and purchase a new house for my family. It seems as if Wells Fargo is intentionally ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This the note I sent to the office of US Bank office. This is after being denied access by the representative ***SECOND REQUEST*** ESCALATE TO THE OFFICE OF YOUR PRESIDENT** This is my second request. Please remove a {$36.00} from my account. Also I am requesting that my call to your call center at   XXXX   XXXX  . I was treated horrible by your customer service who placed me on hold several times without any apologies and holds lasting over 5 minutes. I was then transferred to a so call manager when I purposely asked not to transfer me. To top it all off I was transferred to an answering machine not a live person. I am going to contact the media as I was made to feel like the  XXXX  passenger who was dragged through an airplane. In addition the Consumer Financial Protection Bureau will be contacted with an official complaint.
Thank y  ou  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 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX collection agencies tryingXXXXXXXX to collect the same debt. 
1. Resurgent Capital Services, XXXX, SC XXXX and2. XXXX, XXXX, MN XXXXThe debt originated from XXXX, There is only XXXX debt for XXXX. Both companies insist that their claim is legitimate and have refuse to provide any proof of the debt. 
I do not want to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently ordered my credit report form Equifax and i noticed some inquiries that i did not authorize. Such as XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Equifax multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: This is an addendum to CFBU Complaint number XXXX Please be advised that pursuant to further review of my files, I can verify the following : 1 ) I purchased XXXX XXXX XXXX ; XXXX, MA XXXX in XXXX 2 ) Bank of America was my lender and I used an XXXX loan schema. The primary mortgage has since been assigned to another servicer and is current. 
3 ) The second mortgage was involved in the Settlement with the Office of the Controller of the Currency in XXXX ( via the XXXX Foreclosure XXXX XXXX XXXX ) 4 ) At the time, Bofa characterized the second mortgage ( Bofa XXXX ID : XXXX ) as satisfied and paid in full. Indeed, this is precisely how Bofa has reported the loan since XXXX. 
5 ) Regardless, the loan in question closed in XXXX, past the six year statute of limitations for debt collection in MA. 
6 ) I discovered through a title search that Bofa never released the lien on my property and have been given the run around since XXXX regarding the matter. 

PROPERTY ADDRESS : XXXX XXXX XXXX ; XXXX, MA XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : XXXXXXXXXXXX

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