milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2017 about Student loan (Private student loan) with CITIBANK, N.A. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This in in response to my previous complaint XXXX. 
Citibank stated that they were trying to determine why my payment was sent back to me again. As I stated in my previous complaint the letter I received from Citibank said that they returned the payment because they could n't verify my account number ( see attachment ). I included with my payment the account number that I have used to make payments since I graduated from college, and I have not been notified of a change in account number. I also included with my payment the letter from Citibank ( see attachment ) with instructions on who and where to send my payment so there should n't have been any confusion as to what the payment was for. I called Citibank on XX/XX/XXXX to try and find out what my account number is. I spoke with XXXX and was on the phone with her for 45 minutes trying to figure this out. She took down all of my info and said they would research this and get back to me. I received a letter from Citibank ( see attachment ) in response to this conversation on XX/XX/XXXX that said Citibank no longer services student loans and my loan was transferred to XXXX XXXX. I have been told this by Citibank over and over ( see attachment ) and yet they still are trying to collect this debt from me. 
I also received a letter from XXXX XXXX on XX/XX/XXXX trying to collect this debt ( see attachment ). They also called my father to get information about me. Citibank told me that they inadvertently placed my account with XXXX XXXX and they had XXXX XXXX return the account to Citibank. That letter from Citibank was dated XX/XX/XXXX, so XXXX XXXX is still trying to collect this debt from me after Citibank claims to have had the loan returned to them. 
I would like proof that this loan is owed to Citibank and not any other agency ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) since Citibank is telling me that I do n't owe them this money and that I should contact XXXX XXXX, and that I do owe them this money and should send in a payment again, and since XXXX XXXX continues to try to collect from me. I would like to be assured that no other agency will try to collect this debt from me or report negatively on my credit report after I pay Citibank.

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 01/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with ASTA FUNDING INC. (OK).
Issue: Wrong amount charged or received

Complaint: I sold some of my annuity to a company called XXXX XXXX. We did several transaction over a years time, involving different amounts of my {$1100.00} a month payments. A year ago, I was offered to sell the remainder of what I understood was the rest of the monthly amount for {$33000.00}. 
Later I ask XXXX XXXX the balance left of my annuity which I bought for {$180000.00}. 
That 's when I was told that XXXX XXXX owned all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: National Credit Adjusters ~ XXXX XXXX ( XXXX XXXX XXXX contacted my employer advising that there is a serious personal matter that needed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 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: New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXX Alert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, 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 07-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: My problem involves affecting home repairs from storm damage at my home. I am behind on my mortgage but am actively working with the bank to find a solution to keep my home. I have a claim check for {$8000.00} to make repairs with another {$1500.00} available when repairs are completed ( through my insurance company ). My insurance check is made payable to myself and Wells Fargo. My lender is insisting on using a managed claim process normally reserved for large claims and major repairs. Neither applies in my case. In addition, there is a myriad of paperwork that must be submitted before payment can be made. Because of this process, contractors will not perform the work. It is not reasonable to expect a oontractor to receive payment in thirds for one day of work and the paperwork requirements make it not worth their trouble. I have told the bank that I would welcome an inspection once repairs are completed as I need to do that for the insurance company anyway. Wells Fargo still insists that they manage the claim. I have applied again for an exception and am waiting to hear. Wells Fargo has a terrible reputation in our area and is known for holding insurance money unreasonably and not paying contractors on a timely basis. I have no confidence that Wells Fargo will actually pay the contractor if I commence work. In the end, I just want my roof repaired and my ceiling fixed. We have been getting the run around for over a month just to get to a " no ''. I feel that the bank is being completely unreasonable given the dollars and scope of work to be performed

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 10/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase reached out to my wife asking for information on XXXX wires we completed. Although the information was provided timely to Chase representatives, Chase froze my account without a warning. I called the bank and had the freeze lifted, but meanwhile XXXX credit card payments were declined and XXXX checks bounced. I experienced XXXX in return payment fees because of Chase error. When I called the bank and asked to reimbursed for the out-of-pocket expense because of Chase error, was told by members of their compliance department that Chase would not reimburse the costs, even though it was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Balance transfer

Complaint: I opened up a credit card with TJ Maxx. My billing cycle for the month of XXXX ended on XXXX XXXX, 2016, and my balance for XXXX was {$150.00}. ( Statement 1 ). On XXXX XXXX, 2016, per my auto payment agreement, money was drawn from my bank account, but it was only for {$100.00}. ( Statement 2 ). So I called the TJ Maxx customer service and asked them to explain the discrepancy to me. And they said that they arrived at {$100.00} by subtracting my return of {$87.00} and then adding {$38.00}. ( {$150.00} - {$87.00} + {$38.00} = {$100.00} ). I told them the new purchase of {$38.00} was made on XXXX XXXX, 2016 which was after my billing cycle ended. However, they said that since my true balance without the new purchase ( {$150.00} - {$87.00} = {$63.00} ) is lower than my original balance ( {$150.00} ), they just added my new purchase even though it was made after my billing cycle ended. However, TJ Maxx had no right to do so. First, it is a breach of contract because the contract states " You must pay at least the total minimum payment due on your account by XXXX ( ET ) on the due date of each billing cycle. '' What they charged me was my entire outstanding balance, not the minimum payment, and some of my outstanding balance are not due until sometime in XXXX. More importantly, it is a deceptive practice. I did not expect and certainly should not be required to pay for a purchase made after my billing cycle ended. However, a representative of the customer center confirmed me that this is how they charge their customers, and they will do it again if my true balance is lower than my statement balance. So clearly, they have this practice of charging customers before the due date, and it is not right. I have attached all the documents to support my claim and am willing to provide further information if necessary.

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 11/17/2017 about Vehicle loan or lease (Loan) with Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I XXXX XXXX have an issue with the company Priority buy here pay here located in XXXX on XXXX XXXX. Please help me. They sold me a car in XXXX and after 5 months the cars transmission went out. They kept my car for a week and when I got the car back on XXXX the XX/XX/XXXX, the car started leaking transmission fluid and gave me the same issues before I took it to them. They gave me the car back from them and stated after they assumed to fix the transmission that I needed an oil change. I asked them to do everything they needed to do to fix my car and they did n't. They stated I did n't need the passanger window to roll down in order for them to inspect it. They also stated that " it woulda been more money for them to fix the flickering lights on the inside of the dashboard. They also stated that they were no responsible for the car. Not only did they not fix the transmission, they sold me a lemon. As soon as I purchased the car I was having some electrical issues with it and could never get a hold of anyone to assist me with doing so. Finally once I submitted a notice online on their website they called me back about my issue. I still had to purchase a rental car for a whole week totaling XXXX dollars. I can be reached at 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 01/30/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed two items on my credit report via XXXX. The items listed by this company were removed. They have been unable to substantiate the negative item on my credit report. It was removed. Then, my report shows that it was re-reported on XX/XX/2017 AFTER they had already deleted it. NOTE : They do not have my permission to send anything to me via mail nor do they have permission to report my mailing-only address to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This is in regards to complaint # XXXX, I request to reopen complaint as Wells Fargo is deceiving CFPB and hiding the fact that I did contact Wells Fargo onXX/XX/XXXX spoke with XXXX from XXXX XXXX IA fraud department, she was not helpful then I requested supervisor and she would not allow to speak with supervisor. I went the XXXX WI branch and worked with Personal Banker XXXX XXXX who spent an hour on the phone while they recycled him, after an hour I left. In a week I came again and spoke with banker XXXX also he kleft me his number XXXX., also week later with XXXX . I was questioned, all my cards and ID was searched and sent away. OnXX/XX/XXXXI spoke with XX/XX/XXXX from Oregon. On XX/XX/XXXX I contacted executive office XXXX who did not give out her ID, called again spoke with XXXX in XXXX Branch, then called again and spoke with XXXX  supervisor of customer service in XXXX OR, his ID XXXX.. Then called again on XX/XX/XXXX and spoke with XXXX premier banker. Bank closed my account for solo reason not to pay rewards as promised. I request that this bank is investigated for fraudulent activities and my rewards paid. There was no reason to close the account because I did respond multiple time to the letters and paid bill on 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 with explanation
Consumer complaint received 10-03-2017 about Mortgage (VA mortgage) with JMAC LENDING INCORPORATED (GA).
Issue: Trouble during payment process

Complaint: My name is XXXX XXXX, JMAClending is my loan company. I have been having trouble with my mortgage payment getting higher every month without explanation .My mortgage payment for XX/XX/XXXX was XXXX Payment due on XX/XX/XXXX. XX/XX/XXXX XXXX payment due on XX/XX/XXXX.statement dated XX/XX/XXXX XXXX Due date XX/XX/XXXX. I do not understand why my payments are so XXXX  up. My phone # is XXXX or XXXX If you need copies of statements I can send them. Address XXXX XXXX XXXX XXXX XXXX, Georgia 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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: That company equifax never delete this account of my credit report after 1 year of dispute. 

The collection company maked a credit violation on X/XX/2017. 

The case number was Case # Debt Collector Original Creditor Balance Violation Type Open Date Status XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Letter XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company was reporting a debt on my credit report that was not familiar to me. After seeking legal council I was advised to exercise my right to request validation of the account pursuant to the Fair Debt Collection Practices
Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the account with the credit bureau following my dispute with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OK).
Issue: Account opening, closing, or management

Complaint: I found a credit inquiry on my XXXX credit report from XXXX. After doing some checking I found out it has to do with Paypal. I do have a Paypal account but have never asked for any type of credit card or account with them. This inquiry was done completely without my knowledge and/or consent. It brought my rating down by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On my payment schedule it listed my payment as being set to increase XX/XX/XXXX, but actually had this higher amount on my XX/XX/XXXX statement. My statements had been {$180.00} and were suddenly increased to {$190.00} on XX/XX/XXXX with no notification, even though my account has a repayment schedule set to increase to his amount specifically on XX/XX/XXXX. I was concerned at first, and these were exacerbated by the slew of recent lawsuits against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Managing the loan or lease

Complaint: This loan is a predatory loan in which I am paying. I signed a contract to purchase a XXXX XXXX XXXX at XXXX on XXXX XXXX. The interest rate on this loan is 17.95 %. The car is now only worth {$6300.00} at trade in value. My pay off at the moment is {$15000.00} after 2 years. The loan company named Consumer Portfolio Services is charging me 3 times over what the car is worth. I feel I was scammed into this loan and I have no way of trading the vehicle in with the large negative equity I have with this car.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reported the issue of identity theft and fraud on my credit report since XX/XX/2012. I have sent multiple letters to Trans Union, including my latest one that is being attached. 
What I receive in reply is platitudes but no positive actions. I can only now appreciate the nightmare of ID theft. 
My latest from Trans Union was my credit report with a credit score that was substantially higher than when the ID theft occurred. To my surprise when my broker pulled my credit score from Trans Union XXXX Risk Score Classic, it turned out that TransUnion did NOT update the information or lied to me. In effect they told me one story and another to their reporting agency. That makes them party to a fraud. Since you are a federal agency, can you rectify what appears to be fraudulent reporting by TransUnion.

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 04/25/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: It first started in XX/XX/XXXX when I made three payments that month. We had been paying $ XXXX/ every two weeks, so in XX/XX/XXXX it worked out that we made 3 payments. They took the XXXX XXXX payment and applied it to principal and escrow. This was supposed to be for part of XX/XX/XXXX 's payment. Since then we have been considered a half a month behind. The in XX/XX/XXXX we had a returned ACH transaction on XXXX XXXX. We call on XXXX XXXX to notify the bank and they tell us it should go through twice. So we make a half of payment for XXXX and on XXXX XXXX we see another withdrawal labeled DiTech retry payment. We assume that this is the XXXX XXXX payment that was rejected. Now they are saying that they did n't get any money XXXX XXXX, only the over phone payment from XXXX XXXX. We faced them XX/XX/XXXX with bank statements and a letter from the bank showing the XXXX transactions. They came back and said our letter was n't legal enough and our bank statements were altered. We submitted again XXXX XXXX and have n't heard anything. I call and leave messages speak to agents all with no turn out or answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am not sure what this debt is and have not received any communication from this compnay about this debt. My first knowledge is the credit report that I pulled up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Using a debit or ATM card

Complaint: Chase Bank was hacked. My ATM card number was stolen -- along with many others ' ATM numbers -- and monies withdrawn from my account at an ATM in another state. This happened on Tues, XX/XX/XXXX. As of today, six days after this event, I still do not have my money back in my account. I still do not know when I will have it back. I spoke w/ customer service and up the chain to the so-called " escalation team. '' Apparently, my money and that of the other " hack-ees '' wo n't be returned until Chase 's " system '' does what it needs to do. In other words, I was told that nothing can be done about returning my money until the system determines when I should get my money back. That is what I was told by XXXX of the Escalation Team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Navient has not responded to my request to send me my payoff information for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2016, I initiated a HARP loan application with my current lender Ditech. I was informed that I needed to provide homeowners insurance and sign the necessary disclosures to move forward with my application. XX/XX/2016, I received an email from the title company informing me that I had a judgement on my title report that would need to be cleared up before or at closing. XX/XX/XXXX, I also received a call from my lender advising me that my loan had been forwarded to their legal team for review. Apparently when I closed on my loan with Greentree, they cancelled my deed of trust from when I purchased the house, but forgot to record the new deed of trust. I was told at that time not to worry they would get everything cleared up. XX/XX/2016, I paid off the judgment on title. I forwarded the information over to my loan processor. XX/XX/2016, I was told by my loan processor that we were pushing to close my loan by the end of the month. One minute the loan processor told me the title company had everything they needed to close my loan, and later she switched it to say she had to resend the information. I reached out to the title company to see if they would give me a status on my loan and was later contacted by my loan processor indicating that they could not add the mortgage sent over by my lender because it had already been released. My lender is now ignoring all of my emails to them regarding a status on my loan. My lender did not record the deed of trust on my property, so I have an unsecured note.

Company response to consumer: Closed with explanation