milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (RI).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Gold Checking account in XXXX, XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX Thank You Points ( worth approximately {$500.00} ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account. 

I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus points will post within XXXX statements of completing the requirements ( which would have been XXXX, XXXX ). 

It is now XX/XX/XXXX, and I have paid {$90.00} in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, and requiring that I provide proof ( which was a postcard mailed more than 6 months ago ). I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. 

Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. 

My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.

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 10/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to responsibly manage my situation with Navient, yet every time I call them and I speak with someone they ( the agent ) end up hanging up on me. Today I was being asked some questions that the agent told me could potentialy lower my monthly payments, but when I told them I was un-employed the last thing I heard was a grunt and they hung up. This is not the first time this has happened. On a seperate occasion last week I told them I was not capable of making large monthly payments, and when I was asked how much I could pay, I responded to the agent and he told me he would return my call. I never received a call from Navient in regards to that conversation. Now they are telling me that a payment I had agreed to make with them did not go through. I am trying very hard to be responsible given my situation with un-employment, while also trying to avoid any kind of delinquency but Navient is beginning to demonstrate some rather sketchy behavior. I feel helpless in this situation because I am trying to call, and I am trying to reach a solution, but I am recurrently being hung up on, and when I try to call back no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (AR).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Wells Fargo dealer services are ripping people off. My interest rate is 4.9 % Wells Fargo charge me a daily interest of {$5.00} per day unless my monthly payment is paid before my monthly payment due date ... ..of course that 's what I was told by representative so I 'm trying to figure out why am I still being charged {$5.00} per day when I make big large payments of {$3700.00} and this company still charge me daily fees of {$5.00}. I should not have to pay daily fees of {$5.00} if I 'm making 5 additional payments in advance of my monthly car payments due dates. Someone needs to seriously look into this because I 'm sure if they 're getting over on the mortgage loans they 're getting over on the car loans as well they already have outstanding lawsuits for ripping people off for over charged fees. And I called them and asked them could I get refinance months ago to get a lower car payment and a Wells Fargo representative told me that they do not refinance to people in Arkansas how is that when they give loans to people in Arkansas if you ask me I think that 's a redlining lawsuit

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 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO MAINTAINED A FORECLOSURE SALE DATE ON MY PROPERTY THROUGHOUT THE MODIFICATION TRIAL PAYMENT PERIOD. SET FOR XX/XX/XXXX THE SALE DATE STILL ON. XXXX PAYMENTS MADE ON SCHEDULE. 
ALSO FLOOD INS. TAKEN OFF BUT STILL REQUIRED TO MAKE PAYMENTS WITH FLOOD INCLUDED IN THE ESCROW DOLLARS. LOAN WAS NEVER A DEFAULT WELLS SENT XX/XX/XXXX PAYMENT BACK SAYING THEY WANTED ESCROW MONEY INCLUDED ON MY NON-ESCROW LOAN WHICH I PD EXTRA FOR THE NON-ESCROW TERMS. FARGO DID SO WHEN THEY WERE NOT EVEN THE ASSIGNED THE SERVICING RIGHTS UNTILL XXXX PLUS XXXX DIFFERENT SPOC IN PAST 8 MONTHS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2016 about Student loan (Non-federal student loan) with U.S. BANCORP (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: To Whom It May Concern, I filed a XXXX Complaint after having trouble with obtaining some information about private student loans listed on my credit report dating back to XX/XX/XXXX. I requested copies of the original promissory notes and full payment history for all accounts involved. I received applications and no payment history. 

In my complaint, I mentioned there are duplicates listed on my credit report. Where XXXX claims there are XXXX loans, there are XXXX-XXXX listed. She stated maybe XXXX XXXX ( the loan servicer ) listed them also, but they are under no obligation to remove them. 

I also mentioned that due to the age of the alleged loans, they would have been removed ages ago due the 7 year requirement. My last date attended for Ohio State was in XX/XX/XXXX and any student loan I had, went into repayment in XX/XX/2006. Since no payments were made ( to any of my loans ) they would have all been defaulted by XXXX after 270 days of non-payment. 

These loans were taken out ( starting in XX/XX/XXXX ) XXXX years ago it is unethical to have it knowingly duplicated ... AND listed as a current debt. Please research into this as I am securing an attorney to help with the intentional and blatant violation of the laws.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: With regard to complaint  XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from  XXXX   XXXX , and not only is at least  one  of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified by a 3RD Party vendor ( in which is not accurate ) but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and/or sent me documentation on how they verified the information that they put on my credit report.

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 11-04-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My daughter applied for XXXX student loans from the Wells Fargo Student Loan Division to finish her XXXX XXXX at the University XXXX Kentucky. She graduated in XXXX 2016 and took a $ XXXX/hour apprenticeship position with a local Veterinarian while she applied for and awaited acceptance at accredited schools where she could complete a XXXX program and become a Veterinarian herself. Before her first payment towards the XXXX Wells Fargo XXXX loans came due, she applied for continued deferral and was denied. She appealed and was again denied deferral, and was told that she had to make the total {$390.00} monthly payments beginning XXXX XXXX, 2016. She only makes approximately $ XXXX/month so Wells Fargo is asking her to pay 40 % of her income towards her private student loans each month, which obviously does not leave enough left over for her to live on, so she would end up going into default on her loans in order to be able to pay rent and buy gas to go to work, etc. but Wells Fargo did n't care. Wells Fargo knew that the co-signer ( me ) would have to step in and make the payments on behalf of my daughter so that she would not go into default on the loans. In essence, by denying her deferral, they were side-stepping the borrower and going straight at the co-signer. I feel this, at a minimum is unethical, and hope that it is also illegal banking practices, similar to Wells Fargo 's other illegal banking practices that have been in the news lately, and would appreciate the Consumer Financial Protection Bureau 's assistance with this matter, and hopefully force Wells Fargo to reconsider and allow my daughter deferral while she awaits acceptance into a XXXX program.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except experian and i have attached the same letter over and over again, i have also verified with the creditor XXXX XXXX and they have sent the notification many times please have experian change their reporting 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 explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with Senex Services Corp. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Senex Services is re porting a false medical debt on my name on behalf of  XXXX   XXXX  hospital. I have disputed this debt with  Senex Services nu merous of times and a bill was sent to me without any details as to what services were rendered nor was any contractual agreement with my signature on it was ever sent to me. I contacted  XXXX   XXXX  and was told to speak with someone from Senex Services after explaining to them that I had already disputed this with Senex but was told that there was n't anything they can do.  <P/> I want to make it clear that THIS IS NOT MY DEBT. I did not attend  XXXX   XXXX  hospital for treatment for any reason whatsoever. Furthermore, this false debt is affecting  my credit score and  is making me appear more risky to creditors and lenders. I have a stellar payment history with credit cards and installment loans on my report. this is the ONLY negative information on my credit report and quite frankly, it has and still is ruining my quality of life.  <P/> At this point, I am respectfully requesting t hat Senex Services rem ove this false debt from my credit report effective immediately. Please be advised that this is my third and last request for removal. I have tried to resolve this matter amicably but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Vehicle loan or lease (Loan) with UNITED AUTO ACCEPTANCE (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On  XXXX   XXXX ,  XXXX  I purchased a vehicle from  XXXX   XXXX  sales in  XXXX , GA. I was told buy the sales representatives and from the signs on their building that they were a buy here pay her and all financing would go thru them. Several days after purchasing the vehicle the car began to break down. I tried to exchange the vehicle several times but management would not exchange the vehicle until their mechanics reviewed the vehicle. After I brought the car in to get serviced I still had issues with the vehicle. So  on  XX/XX/XXXX  I retur ned the car to the dealer. I was not told until after I returned the vehicle that they would log it as a repossession and that the car was financed thru a third party. After careful research I have discovered that the dealership and the finance company are the same company. Also, I was told by the sales manager that the ca would not go on m credit because a full deposit was never made and any funds I did pay to them would be for the rental of the car for 10 days. This did not happen. The dealership forged my signature and dates on paperwork for a voluntary repossession when the car was a return so they could keep their commission. The finance company UNITED AUTO ACCEPTANCE s is very aware that this debt is not valid but they continue to pursue this.     They have also violated several Georgia laws during this process. Under Georgia state law the lender had to send a certified letter by  XX/XX/XXXX  stating any balances owed. They did not do this and have on several occasions failed to produce evidence. Please look into this as soon as possible. This company is a predatory lender and is not following the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company called " Portfolio Recovery '' keeps calling my home, sometimes twice a day ( evening, morning, weekdays, and Sundays ). Says we owe a debt and is requesting money repayment but we do n't owe anything. Calls have persisted for over 6 months. This is obviously a scam and based on the volume of Internet complaints, they are a known-seedy, aggressive " business. '' They use different phone numbers ( e.g., XXXX ; XXXX ; XXXX ; and XXXX ) making it difficult to block their number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid my loans by sending in checks. These have been cashed by  Navient  and cleared my bank account. However, Navient never actually applied them to my account, thus making my account past due for months. I finally checked my old student email to find these notifications from them. I called and spoke with  two  different people. They said they could help, tried making me go into forebearance ; but that is not what needed to happen : they needed to reconcile my account with the funds I had paid.   I reiterated that multiple times, sent them my bank account print out via postal mail ( they would not accept electronic ), and they STILL put me into forebearanxe WITHOUT MY REQUEST.   I have paid my bills, and yet they reported me past due on my credit. This is unprofessional and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a BMO Smart Advantage checking account at BMO Harris on XX/XX/XXXX.  When I signed up I used the promotion code to receive a {$200.00} bonus for opening the account after making two $ XXXX direct deposits withing 90 days. I sucessfully met these requirements after a direct deposit of {$300.00} on XX/XX/XXXX and another {$300.00} direct deposit on XX/XX/XXXX.
On XX/XX/XXXX ( after not receiving the bonus yet ) I contacted BMO Harris about the status of my bonus and was told that I did not qualify for the bonus because I do not live in one of the targeted states as part of the promotion. The issue with this is that when I signed up for the promotion there were no state requirements, this has only been recently added. Due to this I still deserve the {$200.00} bonus.
Thanks for your 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 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgage in question was foreclosed on in 2014. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Shellpoint mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted ShellPoint several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. 

I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The office of the Attorney general 's office is reporting i owe back child support in the amount of {$12000.00} since XX/XX/XXXX and i have had custody of my XXXX year old daughter since XX/XX/XXXX .I have tried multiple times over the phone and visiting the local office and still they refuse to remove it from my credit report.I am having a difficult time getting hired by XXXX XXXX XXXX as well due to the high amount being reported being over the allowable limit of {$1000.00} in colloection 's by there company.So i am still unemployed pending this, and it has knocked my credit score down over 60 points also .I contacted XXXX and Experian to dispute it as well and still have n't had luck through them either. My custody is pending a court order to finalize via the court 's, i would like assistance now to have it removed and i have over 13,000 dollars on hold for me since it 's being taken out of my child support weekly still. Thank You, 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