milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a XXXX card and never missed or made payments late. My due date is on every XX/XX/XXXXof each month and on XX/XX/18 when I tried to log in to my account to make my payment online as I do every month and I got a message saying that my account was locked for 24 hours. I contacted XXXX to unlock my online access and was unsuccessful. I was transferred several times to different representatives. I then was connected with a representative who introduced himself as XXXX and he introduced himself as a supervisor. I explained that I needed to make my payment since I travel for living and was going to be out of the country on XX/XX/18 and was advised that since my card was expiring in XX/XX/XXXX, a new card had been issued and my online access was locked until I registered the new card. I explained that I had not yet received a new card and needed to make my payment online to print my transaction and he told me that he was going to give me until XX/XX/18 to make my payment and if payment was not received by the XX/XX/XXXX, a late fee would be accessed. I explained to him that I have no control on when I will receive my card and since I have a valid card until the end of XX/XX/XXXX, I should not be locked from my online access and he said the XX/XX/XXXXwould be the date before a late fee would be accessed. I filed complaints with the XXXX  and CFPB and got a call from XXXX in the CEO 's office. I returned her call and she said that she waived the late fee and I advised her that I would make my payment as soon as I can log in to my account. She also said she was sending me a new card, so my old card is no longer valid. I am still waiting for the new card, but started to receive aggressive calls several times a day from the collections department, although my account is only 9 days late. They call and leave a recorded message or simply call and do not leave a message.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my information to be accessed by an unauthorized 3rd party who has the ability to access all of my personal information for potential monetary exploitation.
I never allowed Equifax to store this information nor to host it in a manner that it could be compromised. They willfully did not attempt to store my data in a manner that would be consistent with reasonable identity protection and are unable to provide me with clear answers as to the following : 1. Who took my information?
2. What information of mine was compromised?
3. What steps are they taking to protect me?
4. Should someone attempt to use my data in an unscrupulous manner, will Equifax cover the legal and time costs?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (WV).
Issue: Loan modification,collection,foreclosure

Complaint: Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient 's customer service rep factually and legally misrepresented that I could not lower my monthly payment back to the minimum without defaulting on my loan, and he encouraged me to become deliquent in my repayment. Navient improperly applied a lump sum payment, when I was current and in good standing, in part to interest and against my express intent to apply it to pay down principal. Navient improperly applied late fees. Navient 's wesbite and account history is innacurate and misleading. Navient failed to adequately explain or disclose terms and allowed oral modification of the repayment, without providing sufficient explanation, in violation of the terms of the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I completed a Chapter XXXX Bankruptcy that started in XXXX and actually completed it in XX/XX/XXXX early. It is now starting to show on XXXX XXXX all these years and we are trying to refinance our home currently a XXXX XXXXXXXX XXXX balloon taken over by XXXX ( XXXX XXXX ) during the bankruptcy and the interest is 9.75 %. This on other reporting agencies is showing XX/XX/XXXX, either way, it is beyond the two years we started this process. We have liens that we are trying to remove from our deed, they are removed from our reports. XXXX XXXX should not just now be showing aXX/XX/XXXX bankruptcy that is completed as a hard negative impact on our credit.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them 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 02/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please help assist me, there is a judgment showing up on my credit report which is NOT mine. I have disputed several times and Experian reply 's they verified which is not accurate. I called the court house and the company whom filed the judgement and confirmed myself this is not mine. I want it removed from my report. There is also another issue reporting XXXX XXXX child support, this is inaccurate also stating I owe I do not owe anything on child support again took it upon myself and contact this agency, I am correct nothing is owed, I also am requesting this be removed. It is very sad this agency does n't verify anything and keeps on reporting inaccurate data. My next step will be hire an attorney and contacting my states attorney general office if not resolved.

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 07/30/2015 about Other financial service (Foreign currency exchange) with JPMORGAN CHASE & CO. (NY).
Issue: Excessive fees

Complaint: On XXXX I stopped by the branch to purchase {$2000.00} worth XXXX for my vacation trip. On Tuesday XXXX I received XXXX XXXX in exchange for USD XXXX that were debited from my savings account. This means the USDXXXX exchange rate applied was XXXX. 

However, the official USDCXXXX exchange rate on XXXX was XXXX ( according to XXXX XXXX. This means that, in absence of commissions and at a market rate, I should have received XXXX XXXX. The difference is XXXX XXXX or USD XXXX. 

The rate applied implies a 11.03 % fee for executing this transaction. This is a hidden fee, as it is not disclosed anywhere but implied in the exchange rate, and its size is absolutely abusive. The transaction itself is very simple and does not involve pretty much any costs for the bank whatsoever. 

I sent an email to the company through their customer service center to express my discontent and they told me to go to the branch. At the branch I was told that those are the exchange rates the firm approves and there was nothing they could do. 

I understand there have to be fees associated with a specific service provided, but those fees should be transparent and not hidden in a extremely unfavorable rate for the customer, who does not have an alternative way to acquire local currency.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I called XXXX the end of XXXX and I was informed by the agent that Deutsche Bank National Trust was the investor for my mortgage ( loan number XXXX ). I called Deutsche Bank National Trust ( using the phone number provided by XXXX ) and was directed to speak to XXXX. I wast told that he handled the mortgages handling for the state of Virginia. I reached out to XXXX on XX/XX/XXXX via fax to explain my concerns and issue with identification of the investor on my loan and the negotiated payoff offer. I left several messages over the next few days and then spoke to XXXX directly the first week of XXXX. He explained that " XXXX continues to makes mistakes by misinforming their customers that Deutsche Bank National Trust is the investor on their mortgages. '' He continued " we have issue with XXXX sending people out was with the wrong information and I may be able to help identify who the correct investor is on your mortgage ''. After this conversation we shared the following email correspondence forwarded below in this email. I responded to XXXX email with the information provided, however he has not returned my phone calls nor responded to any follow-up emails. I reach back out to XXXX escalation department several time and they continue to identify Deutsche Bank National Trust as they investor, however they continue to deny that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Vehicle loan or lease (Lease) with VW Credit (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XX/XX/XXXX I was contacted via telephone by XXXX XXXX, Lease Retention Manager/Client Loyalty from XXXX XXXX located at, XXXX XXXX XXXX. XXXX, CA XXXX. XXXX XXXX detailed a special offer for a " Loyalty Programme '' being offered by XXXX. The offer was followed up with an email confirming my VIN number qualified and asked me to come into the dealership to see my options on a new XXXX. 
XX/XX/XXXX I stopped by to hear more about the offer and to have my XXXX XXXX inspected. The offer to trade in my XXXX XXXX, as is, for a XXXX model was confirmed. I returned to the dealership Saturday XX/XX/XXXX to select a new vehicle for lease and return my XXXX model which was once again inspected by XXXX and confirmed the vehicle qualified for the Loyalty Programme, no additional fees were due. The transaction was completed that day. I requested something in writing stating the transaction was complete and no payment due other than my down payment for the new vehicle of $ XXXX. 
Early XX/XX/XXXX I received a invoice from XXXX XXXX XXXX titled " Turn-In Settlement Invoice '' $ XXXX. I contacted XXXX XXXX via email however as of today, no reply. I then filed a complaint with the XXXX. XXXX XXXX, General Manager of XXXX XXXX responded with a basic form letter. His excuse was/is not acceptable therefore my complaint with XXXX is unresolved. XXXX XXXX later contacted me via telephone and left a message stating he would like to clear up this misunderstanding. I replied via SMS as I wanted any correspondence in writing. He replied suggesting this was a misunderstanding on my part. No further correspondence with XXXX XXXX sense XX/XX/XXXX when XXXX XXXX told me I misunderstood the invoice of $ XXXX. XXXX XXXX XXXX has continued to send me the invoice that I have not paid. The consumer should not be made responsible for unethical business practices. XXXX is a huge corporation, the consumer is one person who is forever being bullied....

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX XXXX, threatened if full payment is not received by FIFTH THIRD BANK by XXXX/XXXX/16, further action will be taken to secure payment of the amount owed including reviewing this matter with the Prosecutor 's office for possible criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (VA mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: We contacted a gentleman by the name of XXXX XXXX who works with American Pacific Mortgage about a VA loan to purchase a house. The escrow was originally set to close at the end of XXXX XXXX. It was then pushed back to XXXX XXXX because we had a short sale on our prior home XXXX of XXXX and for the VA loan it had to be 2 years. That was all fine but then the escrow date moved to XXXX XXXX, XXXX according to XXXX " just to make sure we can make the deadline. '' XXXX XXXX rolls around and we find out that XXXX had not ordered a termite inspection which is mandatory with a VA loan. Our agent called an inspector who was gracious enough to make us a priority and come out the same day. Escrow finally closed on XXXX XXXX with no help from XXXX but by the assistance of our realtor and his mother. When we went to sign the last of the loan docs and the statement said we would be receiving over {$2400.00} back in the form of a check and we questioned that since we had only put down {$1000.00} in good faith. When we got the check for {$2000.00}, we again questioned our escrow agent and she informed us that the mortgage company had given us a credit and this was how they were accounting for it. Just after XXXX, I received a call from XXXX saying that and internal audit had been done ( again, later in the process than normal ) and we had to return the extra money and he would e-mail me with details on how to do that. He never did. I did get a call from our escrow company saything that they had heard from American Pacific Mortgage about the extra money but she said she told them that she could not be sure if we still even had the money. She never mentioned bringing her a check. On XXXX/XXXX/XXXX, I received an e-mail from XXXX as a " follow-up '' about the Overpayment and he said that the VA was aksing for it and the escrow company said they did not have a check. I replied that he never e-mailed me to give me direction on what was to happen. He responded that the escrow office said they called me and that the check was to be returned to them. Thereby, in my option, blaming the escrow company for not informing me when he said he would. I did give a check to the escrow company in the amount of {$1000.00} that this morning, XXXX/XXXX/XXXX. It seems to me, that the mortgage company and XXXX XXXX should have been on top of this situation and not put us in the position of having to return money we questioned not once but 2 times. Buying a house is a stressful enough process without the loan officer forgetting things and then the loan company making a huge mistake. On top of that, founding out that we are responsible to return money the mortage company give us. This is just a poor way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: Purchased jewelry at XXXX and sales associate split the credit on XXXX cards XXXX being XXXX account and other being synchrony.We were not informed of the interest rate on the synchrony until after we made the purchase being at XXXX it will take us 10 years to pay the XXXX dollar depth off.Knowing that we would of not made the purchase, I feel they did n't properly explain this to us now we 're stuck with this terrible account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep ther was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted Experian and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inqurires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my liveihood. 
1.XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4.XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6.XXXX XXXX/XXXX/XXXX 7. XXXX XXXX/XXXX/XXXX 8. XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX/XXXX/XXXX 11.XXXX XXXX/XXXX/XXXX 12. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX/XXXX/XXXX 15. XXXX XXXX/XXXX/XXXX 16. XXXX XXXX/XXXX/XXXX 17.XXXX XXXX/XXXX/XXXX 18. XXXX XXXX/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 03-07-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Trouble during payment process

Complaint: On XX/XX/2018 BOA paid XXXX XXXX XXXX dollars out of my escrow account. The XX/XX/XXXXpage which they received showed a policy total of XXXX dollars and a BALANCE DUE of XXXX dollars. BOA paid in error and has now held me hostage with a negative escrow account. Many attempts have been made to resolve the issue, but misinformation keeps being conveyed such as : We can not issue stop payments on checks ( re : they paid XXXX XXXX XXXX on a cancelled policy just 11 days prior ). They then issued a stop payment on their check to state farm. So which is it? You can or can't issue stop payments? They also lied about the date XXXX XXXX   cashed their check. XXXX XXXX isn't the real issue though, it's the state farm payment of XXXX they made in error and are too incompetent to rectify. I want my XXXX dollars back. I should not have to wait for whatever whacked out process they have which has to date been almost 20 days. They have funds to pay me into a negative state. They should use the same slush fund to pull money from to rectify their error and deal with state farm on the back end to fix the problem BOA created by paying a XXXX dollar balance statement. Meanwhile I am losing interest on the XXXX I had to pay out of pocket.

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 07/28/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Credit decision / Underwriting

Complaint: We put our home up for Sale as a " Short Sale '' on XX/XX/XXXX. We have two issues with Citimortgage : # 1. Received an offer on XX/XX/XXXX and since then Citimortgage has requested new closing dates every month ; for different reasons. A year later the new closing date is XX/XX/XXXX. Need a reason why it took so long for the closing. Which put me threw a lost XXXX. 


# 2. We were told by Citimortgage Representative, that we will receive a relocation incentive of {$3000.00}. That is no longer available because they said we moved out. Yes, we moved out to due no heat in the home, however I still have furniture in the home ; I am staying with family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation