milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have provided documentation to citizens bank that a charge from my credit card was false. Despite several conversations with the dispute department where they acknowledged the receipt of the documentation, they failed to respond in writing and failed to resolve this issue in their allowed time.     I filed a complaint and was contacted on  XX/XX/XXXX    by  XXXX   XXXX  of citizens bank who told me he would investigate this matter and " make me whole '' Since this call I have received numerous calls from citizens ' bank dunning me for a minimum payment. I explained the situation to the first collection person and gave them  XXXX  's phone number.     This did noting as I have received several more human and robo dunning calls.     I have left several messages on  XXXX  voice mail telling him that I am being dunned and he has not returned any of my calls.     I think that such collection calls and the failure of Citizens to resolve this issue as mandated are clear violations of consumer law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to obtain a loan modification with CitiMortgage. Without notification, they sent the loan modification paperwork via XXXX which I never received. My attorney had claimed Chapter XXXX to prevent them selling my house many months ago which we let be dismissed because they were working with us but in such time, they will not accept my payments, will not provide me with a XXXX, have put my house back into foreclosure and therefore we have been forced to file again. My mortgage support specialist never calls back when he says he will not even to my attorney. My situation is complicated so there was additional paperwork, in which they did not disclose the information for, that was signed and delivered for the second step of this process that they DID receive, however, they never contacted us about the loan modification documents which was the first step. There seems to be no protection for me because the XXXX envelope was not delivered to the proper address or got lost somewhere or put in a bush. I do n't understand how this is acceptable. There needs to be some sort of culpability for the mortgage company. We have been jumping through hoops for the last year and a half trying to get this settled and still it is not. I am a single mother just trying to save her house and I feel like I have no rights and that they can just do or say whatever they want. Are there any protections in place that would ensure they proceed in a professional manner and are responsible for their actions and holding up their side of the bargain?

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 08/19/2015 about Credit card () with Cheek Law Offices, LLC (OH).
Issue: Payoff process

Complaint: In XXXX 2010 I had a credit card that went into collections and got sold to Cheek Law offices/XXXX XXXX XXXX XXXX I explained to them i was struggling and having a hard time even keeping a place to live. They would n't work with me even then, they proceeded with a judgment against me i was XXXX at the time so i was fresh into this and had no clue what i needed to do. I called them after i got the letter from court and asked them if i needed to appear in court as well, they told me no that i did n't need to appear so i did n't go to court. The judgment was to garnish my wages. They just now put in the order to garnish my wages more than XXXX years later. This was a credit card for XXXX dollars and they are now asking for XXXX. They want to garnish my wages for {$500.00} a month. I offered them {$1000.00} to settle or i would take that {$1000.00} and file bankruptcy chapter XXXX. They still refused to take that settlement. I also offered to pay them {$100.00} a month, they refused that as well. I can not afford {$500.00} a month this will leave me homeless and possibly unemployed. I think the way they are handling things is unethical. I have explained my situation to them and they are not at all willing to work with me. I also do not understand how a lawyer can charge me interest. I also find it convenient that after over XXXX years after the judgment when the money has racked up then they all of a sudden start to garnish my wages. If they would have garnished them right after the judgment then this would have been taken care of a long time ago. I feel they waited this long to do so because they wanted more money, which is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Back in 2008 I purchased a bedroom set with financing for 18 months {$2800.00} through Home Design/ Synchrony Bank . I agreed to automatic billing from my bank account and charged me 18 payments that stated that would pay off my purchase within 18 months. They continued to bill me without me being aware until my account bounced because of these charges. So for almost ten years they have been billing me and Im sure I paid more than double {$2800.00}. They claimed that all I paid was the interest on this account at a rate of 27.99 % which is ridiculously high and I still owe {$1000.00}. I tried to dispute these charges and they would not allow me to. 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 monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to a Bank of America branch to talk about getting a home equity loan. I described my situation in detail ( I needed money to renovate a home that my brothers and I had just inherited so that we could put it up for sale ; the house is held in a family trust ; BofA holds the existing first mortgage on the house ). I gave the banker a lot of information to get the paperwork started but I did not sign anything authorizing a credit check. However, the next day both my husband and I got notices from our credit monitoring service that our credit had been checked by BofA. One day later, a BofA rep called to get more info for the loan and in the course of that conversation I explained ( again ) why I needed the money. She put me on hold for a while and then came back and told me that the first bank rep had made a mistake and BofA would not loan money for a renovation in order to sell a home. I said I wanted to lodge a complaint and get the credit inquiry removed from our credit reports, since there never was any chance that we would be getting a loan. She gave me contact info for her supervisor and several days later I was able to reach him. He was apologetic but when I asked why our credit was pulled before we 'd given authorization he did n't have a good explanation, and when I said that I wanted the bank to contact the credit reporting agencies to get the loan inquiries removed from our credit reports he said he did n't think that was possible. That 's crazy. If BofA checks our credit without written authorization when they do n't even offer loans for our particular situation, then they should have to remove that credit inquiry from our credit reports so that it does n't affect us later on. The supervisor was very nice and kept saying " I promise this wo n't affect your credit '' but I do n't think I should have to rely on his promise -- I want that bogus inquiry removed! 

On top of this, the first banker misrepresented the loan costs to me when I was in her office in two different ways. First she said that it had a introductory rate of 2.99 % during the first year, but much later, at the end of our appointment, she said that the 2.99 % rate was not guaranteed for the first year and that it could vary. When I tried to get the details of how it might vary, she just kept saying, " Do n't worry, it wo n't vary. '' In addition, she neglected to mention the " Early Closure Fee '' for keeping the account fewer than 36 months that is described in the paperwork that arrived at my home a few days after our meeting -- despite the fact that I had been very clear about only needing the loan for about 4-6 months.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Ally Financial two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.

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 08/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Closing/Cancelling account

Complaint: Capital One recently canceled my credit card without providing me with an explanation. Capital one called me two weeks ago and said there was suspected fraud related to my card and I needed to upload personal documents online in order to verify my identity. The documents requested were : a copy of my passport, the front and back of my social security card, and a bank statement. I provided the documents through their online portal and received a call the next day notifying me that I should call them. When I called them I was told that my account was permanently suspended because of fraud related activity. I asked them for an explanation, but was told they can not provide XXXX. I asked why a fraud investigation was being conducted in the first place and I was told they can not tell me. Prior to receiving the initial call there was no suspicious activity on my account. I 've held a card with Capital One since 2007. In the end the only answer they gave me was " I 'm sorry Sir your card is permenantly suspended, you may apply for a new card. '' My concern is two-fold. First, I deserve an explanation for why my account is being canceled. I 've never had a late payment the entire time I 've held the card. Second, if Capital One did indeed find fraud related to my account I would like to know so that I can take action to ensure my other accounts are no compromised. What can I do to obtain information as to why my account was canceled?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I received a personal loan from Big Picture Loans in the amount of {$1000.00}. I was told my payments would be {$220.00} on the XXXX of each month. Before accepting the loan I asked how much I would pay in interest if I paid the loan off right away in XX/XX/XXXX, the agent said about {$160.00}. XXXX. My first payment of {$210.00} was deducted from my bank electronically on XX/XX/XXXX. Another {$210.00} was deducted on XX/XX/XXXX. I called Big Picture Loans and made a complaint stating that was not what I agreed to. I asked the representative how much I would need to pay off the loan on XX/XX/XXXX. She stated {$1000.00}. I purchased a cashiers check from XXXX XXXX, check # XXXX on XX/XX/XXXX, and mailed it to Big Picture Loans Customer Support XXXX XXXX XXXX XXXX, MI XXXX I stopped all future electronic deductions from my account. I paid {$450.00} in interest from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I  received an email from Big Picture Loans stating that they received my cashiers check in the amount of {$1000.00}, but due to me putting a stop payment on this account, I have a remaining balance of {$310.00}, and to keep in mind that additional finance charges accrue daily.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this debt does not belongs to me

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 01-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ND).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a cosigner for my daughter 's student loan, she went to XXXX state university in XXXX Minnesota. The loan I 'm having trouble with is from XXXX XXXX now navient. She is in repayment now. I 'm trying to help her because the job she has now wo n't cover her loan payments along with living expenses. I 've tried asking them what type of loan I cosigner for and they lied to me and told me it was a government loan. Found out last week that it was a parent plus loan. I guess I do n't know who to believe because I get a different answer every time I talk to someone. They are rude and mean and I 'm tired of it. They 're bullying tactics are unbelievable. I asked to have my original loan papers sent multiple times and have never received them. I just need help I 'm so frustrated. Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (Gift card) with Blackhawk Network Holdings Inc. (AZ).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: The visa " gift card '' I purchased to specifically use for an online purchase was declined. When I contacted customer service, I spoke to  XXXX . I asked him as to why, I was informed it was because the card was not registered. I then hung up and went to register the card. I then attempted to make an my online purchase again. The card was declined  XXXX  additional times. I called customer service again and I spoke to  XXXX .  XXXX  informed me that it was because the company I was trying to make my purchase with was flagged. I asked  XXXX  what does that mean?  XXXX  said that Blackhawk was investigating that company. I then asked  XXXX  if there was certain businesses that Blackhawk refused to do business with, why was it not plainly written on the package upfront so the consumer was aware. He could not answer my question. I then asked  XXXX  to put me through to his supervisor. Af ter 15 mi nutes of waiting, a supposed supervisor by the name of  XXXX  came to the phone. I posed the same questions to him.  XXXX  told me that Blackhawk did not do business with that company because it was under " their '' investigation. He could not give me a timeframe of that investigation because he does n't know. I asked him what I was supposed to do being that I was not informed that Blackhawk does not do business with certain companies prior to purchase of the gift card.  XXXX  suggested that I use a competitor gift card provider instead. I told  XXXX  that indeed I would do so next time. I then asked  XXXX  to speak with  XXXX  's manager and asked what was  XXXX  's manager name.  XXXX  refused to put me through to his manager and refused to tell me his manager 's name.  XXXX  was extremely rude with his rebuttals and refusal to provide me " the customer '' with any information. I told him that I would file a complaint with someone and he told me to go right ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with NATIONS RELIABLE LENDING (TX).
Issue: Application, originator, mortgage broker

Complaint: My wife and I signed a contract from a mortgage broker agreeing to a specific interest rate based on a credit report that was not from experian, equifax, or transunion. I received the request notification from the credit beurous dated on the same date the mortgage broker 's credit report was dated saying : The lender has requested a credit report from " us '' : " us '' being the actual 3 credit beauros. The credit score on the credit report from the credit beauros was over XXXX points higher than the score on the credit report the mortgage broker used to determine the interest rate for my home mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: i disputed two transactions made on my Wells Fargo debit account. Transactions dates XX/XX/XXXX in the amount of {$3000.00} and XX/XX/XXXX in the amount of {$3800.00}. Both transactions made to XXXX XXXX. Wells Fargo bank did n't do nothing to get my money back, they gave me a temporary credit of {$4800.00} and than after a month they deducted it back from my account. I disputed this transactions and i want my money back but my bank did n't help me so please help me get 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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has incorrect information my credit report. I have written them twice to correct the report errors, on XX/XX/XXXX and XX/XX/2018. The information contained the report is in error and has adversely affected my credit score. Further, it has resulted in an increase in my APR on my XXXX XXXX account. I have not received a reply to my letters in any form or manner. They show delinquencies which is incorrect, high balances on revolving credit cards which is incorrect ( all my cards with one exception have a XXXX balance ), they show I have recent personal loans outstanding which is incorrect, they have us residing at an address we have never owned or resided at. All of this was brought to their attention in my letter of XX/XX/XXXX and follow up of XX/XX/XXXX, with no response from them.

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 04/20/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing statement

Complaint: Up until  XXXX   XXXX , I was paying down a balance on my AmEx card, plus paying the interest and my current charges. The month after, I noticed my balance going higher and higher. My interest rate also doubled and I am told it is because I am only paying a portion of my charges. This is untrue. Customer service refuses to help, and is even rude. I 've had my card since  XXXX  and never missed a payment. This happened 6 years ago and I thought it was straightened out. Now I really do believe they have 'creative and illegal bookkeeping practices.   Please look into this.   Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WV).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: 2-Student loan now purchased by NavientXX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX ; two accounts same act # XXXX 1 in the amount of {$8500.00} the other {$12000.00} With Navient 1 year ago I begged for forbearance, they granted it then a few weeks ago Navient started harassing me once I asked for credit reports after my identity was stolen with credit opened in my name. They gave me the forbearance then once I pulled my credit report after being hacked they started with the 24-7 calls. The history of the loan goes back to XX/XX/XXXX ; I was coerced into buying the loan/school program did n't finish it for 2 reasons. 1. Once I realized I could not afford 2. Soon also learned it was not accredited Please assist me in having these expunged, removed, forgiven and stop the harassment. Thank you for all your help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company is reporting inaccuarate and unverified information about me

Company response to consumer: Closed with explanation