milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a credit card with XXXX in XX/XX/XXXX and was recalled to XXXX as a XXXX, I requested the SCRA 6 % APR on the XXXX Visa account balance of {$5100.00} and a 34.99 % APR, I also tried to cancel the Credit Card Protection Plan that I had been paying for, because it was n't going to cover my payment protection while I was on XXXX and it was causing my account balance to stay over my limit each month. The XXXX Visa account was closed in XX/XX/XXXX, but the CCPlan continued to be charged to my account, as well as the 34 % APR until XX/XX/XXXX and once XX/XX/XXXX Applied the SCRA provisions to the XXXX visa account, and adjusted the balance for the interest in XX/XX/XXXX, the never refunded the Credit Card Protection Fees Charged and it was well over {$1500.00}. I paid off the balance on the XXXX account, but disputed {$900.00} for the CCPlan. I XXXX to XXXX in XX/XX/XXXX and when I returned the credit card account number reported was changed to a number I was never able to get the last four numbers for. I had disputed the account on XX/XX/XXXX with Trans Union and it was removed. I filed a law suit for SCRA violations and never able to filed the complete 3rd credit card number in the Complaint, I had to deploy during the case proceedings and it was dismissed. I was XXXX in XXXX in XXXX and my Clearance was Adjudicated and the XXXX Visa account was reported as the {$910.00} being Charged off, but it was the same number that was n't my account, and the POC wanted to know if XXXX has paid me or had been attempting to pay me. As I said, the disputed amount was for charges that the CFPB had Settled in a Consent Order in XX/XX/XXXX, and a check had been sent under the last four numbers of the account, but I never knew it was about my credit card until now. I wanted to see why XXXX has continued to report my XXXX Visa account as Charged off when they paid me more then the amount claimed were charged off under the credit card account number being reported with all XXXX Major Credit Reporting Agencies? I 'll provided the account documents to verify that my account was apart of the CFPB case in XXXX, and the credit card account is effecting my ability to continue my work currently. But I do want to THANK the CFPB for doing so much to fix a failing system, you have been hope for a lot of Servicemembers who had given up. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Transaction issue

Complaint: Sir/Ma'am, Citibank claims to have paid the vendor - XXXX ( a business based out of XXXX XXXX , Florida, XXXX XXXX XXXX, Contact : XXXX XXXX XXXX XXXX ), {$980.00} on my behalf through my credit card account in XXXX 2015. 

They paid the vendor initially through my credit card account ending with XXXX, then reversed the amount when I disputed it. Then they closed the account ending with XXXX and provided me a new card ending with XXXX. 

Subsequently, they charged the full amount of {$980.00} back to the account ending with XXXX. 

The vendor who owes me a refund of the full amount ( {$980.00} ), claims that Citi Card never paid them the second time after reversing the charge the first time. I have been calling up Citi Card customer service for the past 5 months to get proof of payment made to the vendor so that I can submit the proof with the vendor and receive my full refund. I have already paid Citi Cards as part of my monthly payment. 

Citi bank refuses to provide any sort of proof. They keep hoodwinking me after making me jump from one person to another and making me wait on the line for 45 minutes to one hour every time I call. They claim that they will email the proof to my email address and they never send it. And they refuse to stay on the line until I receive the email. They promise me that someone will call me back and no one does. 

It 's been five months and I have no clue where my money is ( {$980.00} ). 

Citi bank tells me it is with the vendor 's holding bank ( XXXX XXXX XXXX : XXXX XXXX XXXX ) and the vendor, XXXX, tells me their bank never received the payment from Citi. 

I have, frustratingly, been patient with both the vendor and Citi bank for the last 5 months and I 'm coming to you as a last resort. 

If Citi bank can provide me or the vendor with proof of payment, then I can receive the refund from the vendor. 

The vendor also asked me to ask Citi bank to open a formal investigation with their compliance department but Citi refuses to do so. 

They even refuse to provide me with a case number and I have to explain the situation every time I call to every person that my call is transferred to. 

They have harassed me for the last 5 months and have not been straight forward or helpful. 
Thanks & RegardsI demand that Citi resolve this issue immediately and help me in getting my money ( {$980.00} ) either through a refund from the vendor or recompensating me directly, depending on which party has my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Follow up to complaint XXXX and XXXX. I hope the third time 's the charm. XXXX XXXX continues to pass the buck. They are quick to respond to my complaints. They say that the complaint does not belong to them and they are not the appropriate company to address my issue. My question for XXXX XXXX : WHY ARE YOU REPORTING MY CREDIT HISTORY IF THE ACCOUNTS ARE NOT YOURS? 
XXXX XXXX needs to read that attached documents as they provide substantial proof that they are still reporting data. I want the accounts removed ENTIRELY from my credit reports rather they are reported by XXXX XXXX or XXXX. Attachments VALIDATE that XXXX XXXX is listed a debtor in XX/XX/XXXX reports AND XX/XX/XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (GA).
Issue: Trouble during payment process

Complaint: Hello. I have a foreclosure sale and I need assistance with stopping it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Student loan (Non-federal student loan) with The Regional Adjustment Bureau, Incorporated (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: Applied for a home refinance with my current lender BofA XXXX 2015 and due to gaps in their process my credit report expired and at some point reran my credit and are now refusing to proceed with the loan, since XXXX of our credit scores is XXXX and their minimum threshold is XXXX. The delay in getting this done in an appropriate amount of time was due to documented and admitted gaps in BofA 's processes. I have emails with approval from their senior management stating loan is approved. I have a good faith statement that they sent to after they had rerun credit and knew it was below XXXX because they said would proceed with the loan due to their delays in the process. Now 6 months later I get a call stating that some committee is not approving my loan with since not at XXXX credit score. This leaves me and my family in a very precarious financial situation since the intent of the refinance was to combine a XXXX and a XXXX and credit card debts to make our monthly payment more affordable and which they had agreed to do and kept us engaged with requiring information again and again and promising that it would get done, which is all we want. See attached documents and approvals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Student loan (Federal student loan servicing) with EdFinancial Services (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I graduated in 2009 and Ed Financial is now my loan servicer. I was given the information and was enrolled in graduate repayment plan and was never offered or educated on loan forgiveness options. I was under the impression that I am under the plan which will qualify me for loan forgiveness. After making 42 on time payments when I contacted ed financial about how and where to upload my employment information I was Informed that I am not eligible and I have to start over. 
I am a XXXX XXXX with XXXX. This is beyond frustrating that i was never given the information or opportunity to learn about the program. After repeatedly asking for all my correspondence with them in which they keep directing me to enroll in Income base plan and start over as my only option, I need help from the consumer protection department.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NC).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I was given a NetSpend card as a gift. This card was purchased on X/X/2017 at XXXX from XXXX in XXXX XXXX, North Carolina. Following the instruction on the packaging, I tried to activate the card online. That process failed and I was directed to call a phone number that was different from the phone number in the instructions on the packaging. The number on the packaging says to call XXXX, the website directed me to call XXXX. Upon call the number prompted from the website, I went through a series of automated prompts to enter the card number, my date of birth and my SSN. Then, I had to wait to speak with someone. This person took more personal information : may address, my phone number. Then she stated that I would need to take a picture of my social security card and my driver license and email it to them, yes, she said take a picture and email it. I challenged this and stated this was a gift card and I do n't take pictures of my SSN or DL and send it to anyone. This seems like a front to steal identities! Ridiculous! My sister gave my XXXX teenagers each a {$50.00} NetSpend card. We cant activate a single one without giving extremely sensitive information either by way of fax or email. They have scammed my sister out of {$150.00} PLUS the fee for each card of {$2.00}. This is an unacceptable practice. This card was purchased at a store, not a bank and not via a bank or credit union website.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.

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 03/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: 7 times since XX/XX/XXXX we have been told by Navient that we either had past due amounts or additional fees due. Each time we call Navient to settle these issues we reach the XXXX where they barely speak English and have little idea what the left hand in XXXX, PA is doing. What we do know is that in XXXX XXXX, PA they intentionally mis-apply the money we send to them so they can tack on late fees and past due amounts. Then we get a letter from Navient that states we have a past due amount of {$110.00}. Every time we call Navient they tell us somebody has mis applied the money we specifically ear mark for each account. We put the account numbers on the two checks we send in each month and then we send in a typed form with the account number, the amount of money still owed on that account, the interest rate being charged, the monthly amount to be paid, and finally the check number to subtract the monthly amount from. Yet 7 out of 12 months they harass us with past due amounts. We can never find out who the somebody is that is responsible for not being able to read what is sent them. It is simply a case of greed, fraud & trying to get more than they deserve. The CEO needs to take responsibility for a corrupt and evil company. The last I knew the CEO of XXXX made 4.6 million dollars a year doing the exact same thing as Navient and XXXX. Why so much money for ripping American 's off???

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I FILES FOR CHAPTER  XXXX  PROTECTION IN   XX/XX/XXXX  . PAID INTO THE PLAN FOR 5 YEARS AND WAS  DISCHARGED  IN  XX/XX/XXXX . THE BANKRUPTCY FELL OF MY  XXXX  CREDIT REPORTS IN   XX/XX/XXXX . I HAVE A AMEX CREDIT CARD WITH A LIMI T OF  XXXX  WHICH I KEEP PAID OFF. I APPLIED FOR A   XXXX    AMEX CARD ON   XX/XX/XXXX   AND WAS DECLINED BECAUSE THEY SAID I FILED FOR A BANKRUPTCY. THERES NO COLLECTIONS, BANKRUPTCIES OR DEROGATORY MARKS ON ANY OF MY REPORTS. I BELIEVE THEIR HOLDING A OLD BANKRUPTCY AGAINST ME TO NOT EXTEND CREDIT TO ME AND THATS WRONG. THANKS I MIGHT ALSO ADD THAT THEY NEVER PULLED A COPY OF MY CREDIT REPORT EITHER TIMES IVE ASKED FOR CREDIT WHICH HAS BEEN A FEW TIMES. I HAVE ALERTS WITH   XXXX   AND THIS IS THEIR CREDIT REPORTING AGENCY OF CHOICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.

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 12/16/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is n't mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I paid $ 50k approximately for a used rental XXXX XXXX ; that is only reported being sold as $ XXXX ... Apparently the maintenance and detail purposely ruin the vehicle even more based off my readings and personal experience. Now after three days in the shop, they 've destroyed my interior, exterior, and engine! The interior they replaced the mats with older ones, stained them, stained the inside AND EVEN PULLED THE LEATHER!! I 'm the only person that sits in this car, there 's no way that just happened! The exterior now has numerous scratches that were not there! AND THE ENGINE NOW MAKES NOISE!! XXXX EQUALS FRAUD ABUSE AND WASTE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Payday loan) with CASHCALL, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Refer to case XXXX. The XXXX XXXX - CashCall shell game will not go away. After paying more than {$35000.00} on a {$10000.00} loan, CashCall and their thugs continue to try to drain money from me. The most current version is some alleged XXXX XXXX with and outfit claiming to be XXXX XXXX XXXX - phone XXXX. XXXX continue to get harassing calls from all sorts of debt collectors, event though I paid this off to XXXX in XX/XX/2016. I 'm pretty certain this has played out the way XXXX XXXX XXXX XXXX planed out, with hiding behind an Native American laws to charge interest at a rate well beyond any state or federal government rules, and using the full force of the federal and state governments to attempt to collect. After state and federal governments finally catch up and inact laws to stop his practices, whatever loans that have been handed out ca n't be touched. Then, when victims can pay no more, he sells off the loan information to multipe 'debt collectors ' who claim to have 'ownership ' of the loans. The alleged XXXX XXXX of XXXX XXXX ( XXXX ) threatened me with lawsuits and threatened to harass my family members - specifically my wife. I have had enough!!!!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: My vehicle was repossessed on XXXX/XXXX/2016 for paying a partial payment of {$200.00} on my car note. I intended to pay the remainder of the {$380.00} note which is {$180.00} on XXXX but my vehicle was taken for being 15 days past due. To my knowledge a repossession notice is sent prior to repossessing a vehicle. I inquired on the date the letter was sent and was advised it was sent on XXXX with a cure date of XXXX. I also paid XXXX 's payment late, which was on XXXX the day I received the intent notice. So I am no longer bothered by the vehicle being repossessed for being 2 weeks late. Now I am being called 3 times a day from Westlake Financial to recover the vehicle. They tacked on fees and are willing to put the fees on the end of the loan if I pay the {$180.00} for XXXX and also pay XXXX payment. They are also willing to add XXXX payment to the end of the loan. The representative would not answer as to why was n't I given assistance to avoid the repossession versus being called daily to recover the vehicle. So I looked at blogs dedicated to Westlake Financials practices and this in a way for them to make extra money. They repossess cars for being less than 30 days past due then offer assistance to recover the vehicle. The assistance extends the loan and generates more interest. I have repeatedly asked Westlake to discontinue contact as they have the property but they refuse. They are already charging 27 % interest and late fees I do not understand the purpose of taking a vehicle then charging to get it back, and harassing you if you do n't get it back. I have been repeatedly threatened by representatives of Westlake Financial on the outcome of not recovering the vehicle as to make me recover the vehicle so I can always worry every night that when I wake up will my car be there. Please assist with the constant phone harassment and the outcome of repossessing a vehicle without notice.

Company response to consumer: Closed with explanation