milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point. 
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent. 
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission.

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 07/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells fargo is reporting 30 day lates for our loan but we have been paying our mortgage on time every month. My numerous attempts to request wells fargo to correct the reporting on our credit report went ignored ... even after I have provided proof of payment on each and every month we have paid on time!!! their ignorance is anacceptable please help

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 12-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Credit decision / Underwriting

Complaint: OCWEN LOAN SERVICE & XXXX XXXX. SHAREHOLDER A schedule appointment for Monday XX/XX/XXXX OCWEN RELATION MGR. 
NEVER CALL ME AT XXXX PM. THIS IS THE THIRD TIME SINCE XX/XX/XXXX. 
TO GO OVER THE NEW PACKAGE SENT IN XX/XX/XXXX. EVERY TIME YOU CALL ASSIGNED OCWEN ( RM ) NEVER AVAILABLE THERE NO LOAN MODIFY YET SINCE XX/XX/XXXX, I APPLY FOR AFFORDABLE HOME LOAN, HARP LOAN. IM XXXX YRS. 
To : " XXXXXXXXXXXX '' XXXX " Relationship Manager '' OCWEN PERSON NEVER CONTACTED ME ON XX/XX/XXXX FOR SCHEDULED APPOINTMENT THIS IS THE THIRD TIME.. 
I CALL IN AND ASK WHY NO. VERY FRUSTRATE .THE RM RESCHEDULED APPT. 
FOR XX/XX/XXXX WHOM WAS STILL NOT XXXX .RM ASK ME WHAT I WANTED. WHEN HE CALL. NEVER WENT OVER PAPER WORK.. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Wed, XX/XX/XXXX, Relationship Manager XXXX wrote : Subject : Important Account Information To : " XXXXXXXXXXXX '' XXXX ; Date : Wednesday, XX/XX/XXXX, XXXX Dear XXXX, Our records indicate you have spoken with one of our Relationship Managers ( RM ) on your scheduled appointment on XX/XX/XXXX. PLEASE PLEASE PLEASE DO SOMETHING ABOUT OCWEN LOAN OR FINANCIAL THIS BEEN GOING ON SINCE THEY TOOK OVER MY ACCOUNT XXXX BUT THEY HAVE FRAUDLENT REPORTED TO CREDIT AGENCY OCWEN LOAN SINCE XX/XX/XXXX FALSE .. XXXX XXXX XXXX THIS NEW LOAN FOR HOME IN XX/XX/XXXX. PAYMENTS ARE INCORRECT. I HAVE MAIL BANK STATEMENT THREE TIME XXXX PAGES TO FL. AND THEY STILL SAY DONOT HAVE.. 
SCAM..NOW THEY WANT TO TAKE THE HOME.. SEE OTHER CASES. XXXX COMPLAINT SINCE XX/XX/XXXX WHEN IT WAS HOMECOMING FIN. THEN GMAC THEN OCWEN. XXXX XXXX INVESTOR. 

From : Consumer Financial Protection Bureau XXXX ; Subject : Your submission, [ Case number : XXXX ] XXXX ; Date : Thursday, XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Rewards

Complaint: I am filing a complaint on behalf of a reward dispute that occurred with Cit Bank Group for my Citigold checking account. The reward was for XXXX XXXX XXXX points after completing the necessary spending requirements ( which were met ). Despite receiving repetitive confirmation from Citi Bank both via writing and phone that I would indeed receive the bonus points, Citi Bank eventually withdrew their offer from me without any justification. Additionally I was charged a $ 30 monthly fee to keep my Citigold checking account open while I was waiting for my points, which now, according to Citi, I will never receive. 
I suspect that Citi Bank intentionally provided me with dubious information in order for me to stay a Citigold customer and continue to pay the $ XXXX monthly fee for their service. 
I have ample amounts of documentation to support my claim that Citibank confirmed the promotion and then went back on their word including an inquiry that Citibank, itself, filed in XX/XX/XXXX confirming I was eligible for the promotion which they obviously never honored.

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 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Army and Air Force Exchange Service (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I used web bill pay to get a check to my credit card company before the due date ( due theXX/XX/XXXX, check delivered on the XX/XX/XXXX ). They processed my payment on the XX/XX/XXXX, leading me to a ) be late and b ) rack up interest charges. 

I called the issuer, and they stated that " you were late because we have to process them in the order received ''. I stated that I was n't late, but they were late processing it, and I do n't think their understaffing was my problem, and I should n't have to pay interest. She disagreed with me, stating again that " you were late because they process them in the order received ''. 

So clearly I 'll cut up the card, but the {$20.00} in interest is the first interest I 've paid in years, and seems to make their staffing issues my problem.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the GM Financial account to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: On the evening of Friday, XXXX XXXX, 2015 a retirement check deposit of {$600.00} was made at a XXXX, NY, 1st Niagara Bank ATM into my bank checking account. Before this deposit, my 1st Niagara Bank balance was approximately {$25.00}. Later in the evening, I authorized an over the telephone bill payment of {$41.00} from this account. Again XXXX transactions occurred on Friday XXXX XXXX, 2015. & Yes, before the deposit I did not have enough to cover the bill payment. First Niagara Bank XXXX XXXX, New York, on Tuesday, XXXX XXXX, 2015, then credited the check deposited the prior Friday, but obviously put thru the check as of XXXX XXXX, 2015, rejected the check payment request due to insufficient funds & then charged my account {$37.00} due to insufficient funds. I did not learn of this event until over a week after it occurred. I then went to the XXXX XXXX & spoke to XXXX XXXX. He informed me that the bill request went thru on XXXX XXXX, 2015 & the deposit went through on XXXX XXXX, 2015 because it was made at an ATM. The ATM receipt did not inform me of this. I questioned why I would be charged {$37.00} if the bank did not in fact pay the check. Of course I did not get a response. He did however waive {$7.00} of the charge stating this was all the computer would allow him to do. I also asked why the ATM would take a check deposit if it could not be processed. Again no response. He only stated that since it was an out of state check there was also a clearing time of 2 business days. But of course the bank did not wait 2 business days before taking {$37.00} out of my account. I also informed XXXX XXXX that other banks in the area charge much less for insufficient funds on checks they do not honor with money already sitting in someone 's account waiting to clear. Since I have already incurred nonpayment & return check fees from the company that did not receive my payment, again with funds sitting in my account. I would like the {$30.00} charge returned back to me. I could totally understand this charge if the bill had been paid or if there were no funds in this account at all to cover the check. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SD).
Issue: Loan modification,collection,foreclosure

Complaint: I got sick and could not work for 6 months. Wells Fargo would not work with me. They had XXXX their " Home Preservationist Specialists '' work with me. In the meantime, I was back to work and paying them XXXX $ payment, which is XXXX more a month than my payments were. Also paid them every 2 weeks. So, XXXX $ a month.They sent my checks/payments back into my account. I was told all kind of rhetoric by Wells Fargo. They wanted full payment of XXXX XXXX They were not satisfied with XXXX every 2 weeks. What was I supposed to live on if I sent them payment in full? They did n't care. Then they repossessed my house. Now, they are going to kick me out, along with my son. This company is so unfair. Even when I was able to make my payments on time, I paid them extra every month so I would be able to pay the loan out faster. They did n't care about that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Problems caused by my funds being low

Complaint: Subject : in reference to previous case number : XXXX PNC bank appeared to understand that our family is under severe financial pressure and that we were trying to make sure that nothing automatic came to the account. We still did n't have money to fund the account for eventualities. However and unfortunately. Even after many efforts to change which bank funds come out of, these XXXX {$25.00} payments slipped through due to a several step process at the other bank 's web interface. 
This happened again, overnight, and, without notice and without a chance to cure anything, the account was thrust into chaos and is experiencing deep predation at the tune of almost {$200.00}. I ca n't even begin to think where I 'm going to get money to satisfy the depredation that is taking place. Call after call, I visited the branch manager, he called them too and was turned away. Our account is being held hostage by PNC. We have the XXXX dollars those payments debited. But they take their fines first so there 's no way to fill that hole. They 're forcing ruin onto us. PLEASE HELP US. We disputed their closure in the previous case, because this all happened so fast, the problem was almost fixed completely but in the last stretch, the bank has turned it 's back again.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Last XX/XX/XXXX I filed a complaint Case # XXXX against the XXXX XXXX XXXX with Comenity Bank and we resolved it and the account was closed. There has been no correspondence, no billing statements ( I had switched to paper statements etc in late XX/XX/XXXX ) nothing from this company in almost 9 months so I assumed this matter was resolved until this morning. When I received an email stating that my statement was available for viewing. So I decided to check into it further and come to find out the account apparently has either been reopened or was never fully closed even though I have emails stating that it was closed. For some reason on XX/XX/XXXX a credit was applied to my account in the amount of {$22.00} which now apparently gives me a line of credit of {$170.00} of which I did not ask for nor did I apply for since I closed the account last XX/XX/XXXX. It also says I received a refund check, I never did since I was n't due a refund I never paid for services I did not order nor did it EVER total the amount they say they sent a refund check for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company demands we carry homeowner insurance to protect the property. We can get homeowner 's insurance but because of our budget, we need to pay it off monthly. The mortgage company demands we show that we paid for the entire year. When we explain this to them, they say they will add the insurance to cover property only and then overcharge us to make additional money. The insurance they are charging us, only covers the building and property and not our personal possessions. We can get insurance for our home much less expensive that would include our personal possessions, but the mortgage company wo n't allow us to do this. They insist on adding overly expensive coverage and adding the fees to our mortgage payment. We think this is a rip off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a victim of the Equifax Credit hack. This could have long term and significant impacts on my ability to grow my business and access credit. Furthermore, I am upset about Equifax 's handling of the issue. They have lied and obfuscated at every opportunity and rather than trying to decrease the impact on american consumers they are trying to preserve their image. I would like to see Equifax forcibly dissolved and criminal malfeasance charges filed against the CTO, CEO and CFO.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Getting the loan

Complaint: About  XXXX   XXXX ,  XXXX , I received in the mail a notice of pre qualification for a loan f rom One Main Financial . On their website, I supplied some information to see what loan amount I would qualify for. I received an email stating my loan was approved for up to {$12000.00}. I took in my information t o the One Main location  on the mailing. I was told I would qualify for {$6000.00}. I was also told to submit more information which I did, including my finished  XXXX  tax returns that showed an adjusted income of {$56000.0 0}. Ione Main Financial sent   me a denial of credit stating my income was not enough to qualify. Then, about  XXXX   XXXX ,  XXXX , I received another notice in the mail from  One Main Financial that I pre-Qualified for {$5200.00}. One Main kept running my credit report which caused my credit score to  fall due to to many inquiries, making the loan I did receive with another company on  XXXX   XXXX ,  XXXX , more expensive, due to the increased interest rate. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was called by the One Main Financial store in XXXX XXXX ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been enrolled in an Income Base Repayment Plan for a few years now with my federal loans through Navient. I recently submitted my recertification so I could continue to be enrolled in the IBR plan. I had not heard back from Navient so I decided to be proactive and give them a call. The first representative I spoke to said that I filled out the application wrong and as a result the application was denied. I demanded to speak with a supervisor. The supervisor told me that there was nothing wrong with my application and that she would push it through the process. This is unacceptable because if I had not been proactive my application would have been denied and I would have lost my IBR and would have seen my monthly payments go up over {$400.00}. This is not the first problem I have had with Navient and not the first time I have been given misinformation by their representatives. As a result of their negligence and misinformation I have seen my total loan balance with the company skyrocket. The company never once informed me about IBR plans, instead in the past they pushed me into loan deferments and forbarences that resulted in interst compounding and my loan totals doubling. I had to do my own independent research to discover that I was eligible for IBRs an lower payments. I have had nothing but years of problems with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 5 hard inquiries on my credit report that are hurting my credit that I did not authorize. XXXX on XXXX, then XXXX, XXXX, XXXX, and XXXX all in XXXX. From credit plus ... I did not authorize any of these pulls and I want them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a hard inquiry from XXXX/PPC on my credit file from XXXX/XXXX/2015. I never applied for credit from paypal but did have my bank account information stolen and money taken from my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit line increase/decrease

Complaint: CBNA did an unauthorized Hard Inquiry on XX/XX/2017. Their information mailing is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and their contact number is XXXX. When calling the number, the company stated was CitiGold and the only way to talk to someone was to enter my social security number- and I 'm not doing that. I have no idea what this is and did not authorize/approve ANY company to do a hard inquiry. I did ask for a credit line increase from Citibank on a credit card but nowhere did it say on the request that a hard inquiry would be preformed. Can you please remove this Hard Inquiry? Thank you for your time

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