milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Transaction issue

Complaint: For the XXXX time, I have scheduled credit card payments for a Citibank Credit card and XXXX the institution have failed to process the payments resulting in over the limit fees, late payment fees and now they are charging me an arm and leg to bring the card back to within balance. I had paid this credit card religiously over the years and now all of the sudden they are treating me like a criminal and it 's affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with Synovus Bank (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection beacuse I have not paid to Fisrt Porgress and They pass the account to  XXXX   XXXX   XXXX   XXXX . I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  ,2017 Afte r paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the lette r from First Progress, whic h is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost four times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 Equifax discovered a hack that exposed my personal information, including name, address, and social security number. I believe this is due to negligence on the part of the company for failing to protect my information securely. They inappropriately and without permission gave my complete credit history to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Since 2010, I have been applying for homeowner assistance with my mortgage loan and my lender has been unwilling to assist, providing me with only canned decline responses after taking an inordinate amount of time to complete the review process. The initial review took over one year, and the most recent over six months. The bank seems determined to foreclose on my home and, therefore, has made no sincere effort to provide any assistance that would allow me to remain in my home, actively pursuing foreclosure the entire 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
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: My letter to Chase below outlines the issue : RE : 1 ) Account Number XXXX ( XXXX XXXX XXXX, XXXX PA XXXX ) and 2 ) Account Number XXXX ( XXXX New Jersey XXXX, XXXX, PA XXXX XXXX Dear Chase Research Department Representative : We have been a Chase customer for many years, and have had approx. 20 mortgages with Chase, and never once were we past due on a mortgage payment. Two mortgages were recently paid off, and this letter is regarding those two mortgages, which are referenced above. We currently have 15 open mortgages with Chase. 

Recently, you removed the two above referenced loans from auto-pay, the loans became past due, and you reported us 30-days past due. Please see the sequence of events below, and consider adjusting the derogatory credit reporting from both accounts. 

You supposedly sent us letters on XXXX XXXX, which I verified were sent by your call center Rep, but we did not receive the letters. In the letters, you informed us that you would send us the payoff amounts by XXXX XXXX. 

You did not send the payoff amount letters, which I confirmed yesterday ( XXXX ) with a Chase Rep. during a phone conversation. 

Instead, on XXXX XXXX, you sent us past due payment notices, which we received on XXXX XXXX. 

We contacted your office the morning of XXXX XXXX. The Chase RepXXXX calculated a XXXX day per diem, and asked that we overnight the payoffs so they will match the balance he calculated. However, not once did he mention that our credit may be affected. 

On XXXX XXXX, we overnighted the payoffs to you. 
You credited our accounts on XXXX XXXX, and reported to the credit bureau agencies that we were 30-days late for the XXXX XXXX payments. 

We are applying for a refinance on our primary residence, and your derogatory reporting was brought to our attention because it affected our scores.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my XXXX and Experian credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}

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 11/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Credit decision / Underwriting

Complaint: My name is XXXX XXXX and I 've been trying to sell my deceased mothers home thru Wells Fargo. I began my efforts on XX/XX/2015 to sell my mothers home and sought the help of XXXX XXXX to sell my mom 's house at XXXX XXXX XXXX, XXXX, NC XXXX. I ca n't seem to get Wells to finalize the sale. I totally believe they are dragging their feet and slowing down the process to extract more funds from me. I need help, PLEASE. XXXX XXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my AES account reported by XXXX to AES and XXXX and XXXX  requesting that the incomplete reporting of my AES account information be changed to reflect the correct XXXX reporting of my AES account. 

I have not heard back from American Education Services. XXXX  and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with AES and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and XXXX, but are being reported correctly on my XXXX credit report. 

My request is that AES reports the same information to XXXX and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed Experian, XXXX and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.

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 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called Renton Collections bc I saw a negative reporting on my credit report. After being placed on hold and transferred numerous times, a gentlemen told me what it was for. He said he couldn't accept my XXXX month minimum payment and they do not offer settlements. So he said he needed to transfer me to another person that I could talk to. This persons name is XXXX. She immediately asked why I was calling her and I told her I was transferred to set up a payment plan. She then told me XXXX/month. I told her that I'm unable to pay that much at the time and she started yelling at me saying obscene names. She said that it wasn't her XXXX problem that I couldn't pay it and what a loser I was. I asked what her XXXX name was and she said that it was none of my XXXX business. I then asked to speak to her boss and she said was the boss. So I asked if I could speak to someone above her. She said she was the boss and that my broke XXXX needs to pay the bill or shes threating garnishment today. I said what if I file bankruptcy? She said not if I beat you XXXX and hung up the phone. Ive never been treated so horribly to try and pay a bill!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with Atlanticus Services Corporation (FL).
Issue: APR or interest rate

Complaint: Emerge Credit Card has been charging me 29.99 % interest on a card I not used for over six years. I voluntarily closed the account and have only been paying on the balance owed. However, it seems to only have decreased by about {$2000.00} on the principal over those six years. I need to get them off my back. I am XXXX veteran on set income. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-11-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (OK).
Issue: Managing the loan or lease

Complaint: I declared Chapter XXXX bankruptcy in XX/XX/XXXX as part of my divorce proceedings. The debts included in the bankruptcy were discharged in XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX Firm in XXXX, OK was my attorney for these actions. I had a loan through Honda Finance at this time. It was communicated to Honda Finance that I intended to keep my car and continue paying on the loan and the loan was not included in my bankruptcy. Two years later, I have discovered on my XXXX Credit Report that Honda is reporting that my loan was closed and is reporting that my account status is derogatory. Meanwhile, I have been paying Honda Finance {$320.00} per month every month in the belief that I was paying off my loan and helping to rebuild my credit. A call to Honda Finance was answered by someone who was completely unhelpful and refused to offer any assistance whatsoever. Honda Finance apparently believes that they can do whatever they want, regardless of what the law says. I informed my attorney, XXXX XXXX of this situation and he advised me that Honda is in violation of the Consumer Fair Credit Act and directed me here to the Consumer Financial Protection Bureau. XXXX XXXX is willing to represent me in a lawsuit against Honda Finance, but I would like to avoid such a costly and time-consuming endeavor. I am hoping that you can investigate my case and, if the situation warrants such an action, force Honda Credit to do what a solitary individual citizen apparently can not - follow the law and refrain from screwing people just because they think they can.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: I had theft on my XXXX bank card I filed a claim and Wells Fargo promised to send me the forms to complete this never occured. In visiting the XXXX branch in XXXX on a Saturday, I met with a banker and assistant XXXX they were unable to provide me the forms to sign. They contacted an internal department via phone and we waited on the phone for over an hour with no response. The branch XXXX at this location was suppose to call me and never did. As a result my account has now been charged off internally, and a refund of {$83.00} from an outside vendor ( XXXX ) returned to my to my Well Fargo Visa Debit card has now disappeared because my account. I have spoken with the XXXX numerous times I need 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 04/20/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Other

Complaint: I have had a credit card with Chase Business and was told that this will not be reported on my personal credit unless the card is delinquent 90 days. I had a chase card for several years and in XXXX XXXX my dad passed. I made a payment over the phone and it was not credited on time so Chase escalated my rate from 8 % to 29.99 % I wrote corporate and they told me too bad. I closed the account and they than escalated the payment much higher that the {$150.00} per month that we had budgeted. I have until the XXXX of next month before this would be 90 days yet I am now being told it will report after 60 days. Nothing has been consistent with this bank and they are frauding the public when this happens. I asked to have call recorded and they denied me yet say they are doing this on their own. I no longer have card and responded to a letter from them telling me they would work with me by lowering the rate if qualified or negotiate a settlement I spoke to a XXXX a XXXX ( XXXX ) who tells me that they will report delinquency on my personal credit after it is delinquent 30 days and definitely 60 days even though I have been told differently in the past. She claims it is the LAW. If this is the case how come other banks do not until it hits 90 days. I am in the credit field and such an action will result in me losing my job. Their actions of raising the rate for not properly posting a payment and then telling me hey could care less ( essentially ) caused the rate and the payment to go higher than what we had budgeted.I have personal credit card accounts with this company and have never missed a beat ( as high as ( {$30000.00} ) XXXX I am afraid that the attitude of too big to fail has truly created this '' monster '' that feels they are beyond complying to the laws and gives them the right to do anything to anyone without any recourse. Hard working people such as ourselves and the middle class bailed them out and have put the public at jeopardy. My card number ends with XXXX. I am afraid without the government intervening in this injustice that after the XXXX of next month it will have additional repercussions and destroy my credit. Letter I received prompting this was XXXX XXXX, XXXX. Phone number for contact was : XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The servicer ( Nationstar ), after review of an offer presented to them via their XXXX portal, attempted to sell the property via an online auction " offer validation program ''. There were no bids, and the servicer will not consider further loss mitigation options for the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My name is XXXX XXXX and This complaint is against XXXX XXXX. While monitoring my credit diligently trying to increase my credit score, I spoke with a agent at XXXX who informed me that If I were to get a " deletion letter '' from all the creditors that are reporting their inquires to my credit reports, they could only then remove the inquires. I had just ( like 3 weeks ago ) finished paying off my XXXX XXXX XXXX account so tried to start with them. The rep that I spoke with stated they had no idea what I was talking about, after speaking to her supervisor put in a complaint and said something about disputing the inquiry, I explained to her that I did n't want them to do anything but send me a letter to mail into my cbr 's, here we are 3 days later after being told I would receive a letter 20 days later letting me know of the outcome I see where they went and DISPUTED the account I JUST PAID OFF, causing my credit score to drop by 20 POINTS!!!!!! So I called and spoke to 2 separate supervisors one that left me on hold for 40 minutes never returning to the phone and the other telling me there 's nothing they can do to remove the dispute ( THAT I NEVER MADE ) and all she could do is make notes that I no longer wanted to dispute the account!!!!! Why on earth would I dispute an account that I worked so hard to pay off so that it would reflect good on my CBR and raise my credit score????!!!! So now after working so hard to increase my score I 'm 20 points down, oh and here 's the thing my credit score had just gone up 18 points just YESTERDAY only for it to drop down 20 today  all because of a Dispute I DIDNT MAKE!!!!!

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