milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX, I was supposed to have my paycheck direct deposited to my Navy FCU account ( checking ). My online account snapshot stated I had {$0.00} in Checking and {$0.00} in Savings. No other accounts were mentioned. On XX/XX/XXXX, I logged in to my account and it showed my direct deposit scheduled to hit the account. I called Navy Federal 2 ( twice ) times to ensure my funds would be available at midnight on XX/XX/XXXX. Both Representatives I spoke with, stated, " they would be available from XXXX on XX/XX/XXXX ''. When I logged on to my Navy Federal Checking Account at approximately XXXX on XX/XX/XXXX, my account showed I had a balance of {$0.00}. Upon further investigation, my account stated that my ENTIRE direct deposit was transferred to a credit card. I called Navy Federal and they stated I had an unpaid credit card debt and the ENTIRE amount was used for " collection purposes ''. None of this information was given to me and I feel was mislead. I am a single Mom who had bills scheduled to be paid from my Navy Federal Account which is causing hardship on my life and that of my child. I have not had any garnishments from my pay or any Court papers stating that I owed money. I feel like I was fraudulently mislead and lied to by my Credit Union who took my entire paycheck from me from debt I have not been given information about and that was n't apparent on my online account. I have screenshots if needed!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: I applied online for a Citi Thank You Preferred Card. I was approved. This particular card gives you XXXX bonus points when you spend {$1.00} when the XXXX 3 months of use of the account. I was keeping track of my transactions, and had made roughly {$1600.00} in purchases within the XXXX TWO months. I noticed that the BONUS points were not issued to my account. I have other reward cards and usually any bonus points are rewarded soon after the threshold spending level is reached. This was not so with the Citi Thank You Preferred Card. I contacted the customer service department to get an explanation. After waiting two days for an e-mailed response, I was informed that I was NOT enrolled in the bonus point program and that " on my contract '' I was given an 18 month 0 % APR introductory offer instead. The Citi Thank You Preferred Card according to the Citi website has a 12 month 0 % introductory APR plus the XXXX BONUS point program. The 18 month offer is not even the standard issue for this particular card. Needless to say, I was not informed of the change. I feel that they used a bait and switch technique to get people to sign up for their cards. It seems like a form of fraud. Incidentally, they did say that I could contest this if they sent me any printed material which confirms the BONUS point offer was offered to me. I APPLIED ONLINE, IT 'S ON THEIR WEBSITE, It 's also mentioned on various websites that help consumers compare credit cards and help them to decide which card is best for them. I feel that people should be made aware of Citibank 's fraudulent practices in regards to their rewards program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was approved for a HAMP modifocation, my loan company accepted the XXXX trial payment plans plus XXXX permenant payment. I then leaned while processing another payment that my modfication was rejected due to paperwork that was never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

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 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been forwarded from XXXX to Navient for my loan service and it seems the information was transferred incorrectly. They have it noted that I am to pay loans ( XXXX ) for XXXX XXXX XXXX  XXXX back which was taken out on X/XX/2007. The issue is, I did not attend XXXX in 2007. I  was attending XXXX XXXX University. They have it incorrectly listed ( which leads me to wonder what else is wrong ) but I called them to have it fixed before I started paying on the loans. I spoke with someone and was forwarded to a hold where it said I had a minute wait. After waiting 20 minutes on hold, I finally hung up and called again. After explaining the situation and possible resolution to the lady I spoke with multiple times, she said to hold for her supervisor, then came back on the line and hung up on me. I just need this resolved and have been working way to hard to fix this and they 've made it nearly impossible to work with. I have spent the greater half of my work morning on this. They have no email address to contact if there 's an issue and it seems like they always have a " poor connection '' via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX placed XXXX previously removed accounts on my report. XXXX accounts were closed in 2010. Both were sold to debt collection agencies. XXXX XXXX re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Other fee

Complaint: I had a credit card with Wells Fargo ( I do n't remember the open date ). I closed the account and the remaining balance are just fees. I thought the fees were waived because I closed the account. However, the balance remained on the account and now the account is charged off and is being reported negatively to the credit bureaus. The balance on the account consists of only fees. I feel this is a compliance violation as I should be responsible for the balance if its just fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: We have had a TD HELOC with a XXXX year draw period and a XXXX year renewal. ( This 5 year renewal product is no longer offered by TD ). As we approached the renewal ( XXXX XXXX, XXXX ), TD sent us a letter informing the we needed to submit last XXXX years income verification. My husband is XXXX employed and his XXXX tax returns were not yet available. 
We called several times to discuss requirements. With each call, there was no record of our previous call. On XXXX XXXX, we received final notification indicating that all paperwork needed to be filed by XXXX XXXX, XXXX ( 3 Business Days ). Due to holidays, we missed the deadline and were told that the exception could NOT be made. This experience was surprising due to the Office of the Comptroller of Currency ( OCC ) guidelines on Home Equity Lines of Credit Nearing their End-Of-Draw period : Contacting borrowers through outreach programs. Management should begin reaching out to borrowers well before their scheduled end-of-draw dates to establish contact, engage in periodic follow-up with borrowers, and respond effectively to issues. 
After speaking with several people in the TD Branch network ( XXXX XXXX ), we were told that an exception was possible. ( XXXX indicating that she had difficult time contacting Loan Servicing too ... would not answer phone ). 
Last week, we faxed my ( XXXX XXXX ) XXXX years worth of XXXX and XXXX XXXX tax returns. The fax cover letter indicated that XXXX XXXX tax returns would follow. 
XXXX we receive a letter from TD, indicating we were denied due to insufficientincome verification. XXXX again, pushing us into a repayment phase. 
We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note. 
We have now applied with our local credit union and anticipate approval shortly ; however, our preference would be to continue with TD for the additional XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: I cancelled my card due to a fraudulent charge that caused a major overdraft situation, and ordered a new Debit card. I went to my local Wells Fargo Bank branch to get a temporary debit card XX/XX/XXXX. I asked the branch rep if she could make sure my account would not allow transactions that would leave me with a negative. She said, " yes, we can do that. '' I asked if that protected me for online purchases, she said " yes. '' So for a couple months I 've been under the assumption that this service was available to me. Friday, XX/XX/XXXX I made XXXX purchases online, through XXXX, and I apparently went negative. The transactions went through XX/XX/XXXX, and after realizing that happened, I immediately went to the bank to put money in the account. I needed to made another purchase for work, and I put {$100.00} in my account Monday, XX/XX/XXXX, leaving me with a XXXX+ balance, which all seemed off. Then I checked my balance again, and I only had {$28.00} dollars! Se regardless of whatever efforts I made to put money in my account over the weekend, it did not matter. Seems that the bank waited to charge my account the next business day, confusing me, causing me to lose {$70.00}. I could have just closed the account instead and they could have lost a customer, and kept my money. I contacted several customer service people yesterday and today, and they said " they can not do anything about it. Sorry you were not given the right information. '' I also found out that the service to not allow my account to go into the negative was never on to begin with, and was only specific to the temporary debt card, not my account. Customer Service " apologized for the inconvenience '' then activated that for XX/XX/XXXX. But then they explained that anything online would be considered an Automated Payment, and that is n't going to be protected by that service anyway, which goes against what the representative at the branch said. So the information I was given was faulty, the help I 've received was little too late, and the apathy for this customer misinformation is astounding. I really would like my {$70.00} dollars back thanks to this. I did n't deserve this slap on the wrist. I manage my account as best as I can, and try to stay as informed as I can. I remained calm, but I know I require more help to get my cash back. That 's my hard earned dollars and I do n't deserve to be punished for something I obviously tried to prevent from happening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Credit card protection / Debt protection

Complaint: First, I have XXXX Citi Credit Cards. XXXX was under a debt management program for well over 2 years and was paid off in XXXX of 2016 so its listed as a closed account.One of my XXXX existing cards was set to expire XXXX/XXXX/16 and I received a notice in the mail on XXXX/XXXX/16 ( letter was dated XXXX/XXXX/2016 ) stating they are not going to issue me a new card being that I have an account in a debt management program. I understand they can close the account at anytime they feel, however I have 2 issues with regarding this. 1 ) The excuse that they are using ... If the issue was because of another account that I have with them in a debt management program, then why did they continue to let me use the card for well over 2 years before deciding to close it out. Plus, why did n't Citi inform me of possible consequences because I enrolled in a debt management program on another account. 2 ) I have earned XXXX reward points on my card and was using them only when there was something worth using them on. Based on their items and reward options the point value is XXXX = {$1.00} which means my reward point value is equal to {$6300.00}. Due to the fact they are closing my account out, they have informed me that I will lose my rewards points once the account is listed as closed. I have repeated my issue several times on the phone as well as thru the message portal with very little attempt to resolve the issue of the fact that I would be losing my reward points.

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 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My dispute involves mainly Experian but XXXX and sometimes XXXX as well. Their tactics are so transparent. They clearly make more money by reporting anything and everything to make consumers look like a credit risk. Example XXXX XXXX mistakenly pulled my credit a second time within a 30 day period after I spoke with their senior executive that assured me they were n't going to. When it happened of course the XXXX bureaus are hot to report it. I contact XXXX XXXX and get a letter stating it was a mistake. I forward that to the bureaus and now comes the run around. It took several months to get it removed however Experian refused to do anything except change it from a " hard pull '' as they call it to a " soft pull ''. They then further penalized me by removing or reporting incorrectly my " good '' credit history. My stellar XXXX accounts ( XXXX ) are now removed as well as other good accounts and they give me minus point for, you guessed it " lack of good credit accounts ''. I tried calling them, writing them online and snail mail to dispute, and they always have a stall tactic. I 'm tired of the run around. I 'm tired of paying too much because they skillfully and unscrupulously maneuver things so that I can never qualify for a better finance rate. I 'm fed up with it! I have plenty of documents to support my situation and monitor my credit closely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a loan modification with select portfolio servicing, every time they say the package complete i call back to follow up always somethng missing this has been going on for over 2 years< i fell behind in XX/XX/XXXX when my brother XXXX XXXX, then i fell behind again when i was layed off, but i manage to make the payments every month ,Last XX/XX/XXXX the interest went up to 3%, and this XX/XX/XXXX is going up to 4%, I believe there not even looking at my modification because i had idenity theft on my tax returns so i just learned that when they request XXXX im the only one that can get it, So every time i call they ask me for updated paperwork, I wish someone could listen to the recorded messages, So i would like to find out whats going  on, do they just make people believe they are going to get approved or just wait for them to fall so far behind they forclose on there house. I have owned my house for 41 years, please help 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 12-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: recently, transunion made a reccomendation on my credit file not sure if they benefit from people getting new accounts or not .any way there reccommendation was for me to transfer my XXXX credit card XXXX saying it would save me money .there was no way for me me to check who the bank was i assumed cause they reccommended it that they researched it .after opening new card i go to transfer my balance they contacted me saying they we 're unable to transfer from one XXXX to another .i could n't close the account because it would hurt my account i called trans union XXXX call told guy hoping he was writing it down /putting in the computer i asked him he said no i asked if there was an XXXX speaking person cause i could n't understand him he said no .he gave me a fax which was n't working.i called back a XXXX answered again told her again no resolve .i was just trying to tell them that the reccommendations they make are false and to put up that on thier site to tell people because thier information hurts people credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Agency RECEIVABLES PERFORMANCE is showing on my  XXXX   XXXX  report as OPEN, a balance due in the amount of {$100.00} from the company  XXXX . It was put on my account on  XXXX / XXXX / 2014 . I have sent several dispute letters and documents to  XXXX   XXXX  showing that I haveno balance and that it should n't have never appeared on my report. I have also spoke with  XXXX  and was agreed there is no balance .Dish also is very annoyed as well because I am a loyal customer to them.Collection Agency RECEIVABLES PERFORMANCE fraudulent trying to deceive money out of me as I am a single parent & they refuse to speak with me to resolve this issue.  XXXX  this be investigate and remove asap as it is damaging my 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 01/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are excessive inquiries by the banks for an unknown reason. 


1. XXXX- There has been an inquiry every month since XXXX, 2015. 
2. XXXX XXXX XXXX inquiries to date These should be removed. I have XXXX XXXX XXXX credit cards and only should have XXXX inquiries. 

Can you please remove the excessive inquiries as no permission was obtained? 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent a letter stating that I was in default, I checked in at the website, it shows my payment not being applied on the day I made it, my conformation no. Is XXXX, I also had a message saying that I called and made arrangements to pay on the third, I did not, I call and talked to a XXXX employee number XXXX and was told to disregard. Just trying to stay out of trouble, please help if you can, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Taking out the loan or lease

Complaint: Inaccurate information as well as severe lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2016, while reviewing one of my credit bureau reports I noted an inquiry from American Express ( AMEX ) in category of requests that I had initiated. After speaking with XXXX AMEX customer services reps, I was able to speak with a fraud specialist. I was told an account had been open in my name on XX/XX/XXXX. and sent to an address in XXXX. I have the agents ID if needed. In any case I was told an investigation would be open and I would not be responsible for any charges. I would also receive a letter saying same and credit bureaus would be informed. I questioned sending a card to XXXX when the record clearly says I reside in XXXX and have for twelve years. The agent told me they pay no attention to the address. Wow! No wonder Identity theft is so wide spread when companies make it so easy for the thieves.

Company response to consumer: Closed with non-monetary relief