milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Citibank has closed my credit card, XXXX 's card as well as my wife 's credit card. 
They refuse to advise me for the reason they closed them and state they have the right to close any account for any reason or for no reason. 
They also forfeited all thank you points and cash rewards earned which is totally unacceptable. 
My wife and I have never been late in paying our accounts and.we did not experience such a situation with any other bank.

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 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XX/XX/XXXX we used a promotional 0 % financing option with Synchrony Bank to purchase a mattress at a local retailer. I was under the impression the offer was for 24 months. In the course of the sale, I did not pause to read the entire contract. I signed it. 

I set up regular monthly payments. I was receiving paper bills at first, but a few months later, requested online statements. I tried to set up my account on the Synchrony website, but had trouble. I did n't worry about it because I believed I had 24 months. The contract I signed unknowingly was for 12 months. 

By the time the promotional offer expired, on XX/XX/XXXX, I had paid off {$2300.00} of the original {$3200.00} price of the mattress. But I missed the deadline, which was at XXXX. They speak of a 30-day grace period, which ended XXXX, on XXXX XXXX. On XX/XX/XXXX, I logged on and saw a {$920.00} interest charge added to the bill. I immediately called the company and spoke to three different levels of management ( so I was told ). They explained to me that when that expiration date passed, I became responsible for interest from the day I purchased the mattress, at 29.99 %, for the full price of the mattress. I am aghast. I had by that time paid off more than 2/3 of the mattress price. ( There had been a couple of exchanges of the original mattress, with a credit of the original amount, followed by an increase, which was handled as an additional purchase. That created two expiration dates, one even earlier than the other. I had been billed interest for a couple months already! ) I do n't understand how a credit card company is allowed by law to place a consumer in such a precarious position. It feels like a case of predatory lending. I was set up to fail. Why are they not required to send me an email prior to the end of the promotional period? Why do they not send me an explanation of how a second promotional expiration date was created when we exchanged one mattress for another? Now I 'm being asked to pay an extra {$920.00} in interest, with nothing to show for it. I have never encountered a company that was n't willing to work with me, especially when my intentions were clearly good as I paid monthly and had almost paid off the bill. This is an enormous financial burden for me. I am hoping for some sort of alternate resolution.

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 05/15/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Using a debit or ATM card

Complaint: Back on XXXX XXXX, 2016 someone someho stole my debit card. I had only {$180.00} in my account. By the time the thief got through I was {$1300.00} overdrawn. I filed a complaint immediately, the bank sent an affidavit which I filled out and returned. Then I called Card Services. They told me this would be settled in 5 to 10 business days. So here it is, XXXX XXXX and I 'm still waiting for my money. They claim they already returned {$800.00} one day and {$200.00} on another. But nowhere in my bank statements are these reflected. I 've called several times and half the time I get told to call their claims department. I 've also called claims a bunch of times, stayed on the phone on hold for a half hour, using up my cell minutes, and no one ever answers. Sounds like the bank is scamming me. Am I ever going to get my money, or am I being ripped off twice? Any help you can give will be gladly welcomed. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Io, Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted to submit a dispute on XXXX site, when I enter my information it tells me that my information entered is incorrect and forwards me to an open webpage. I have free formed my dispute twice and received not response or resolution.

Company response to consumer: Closed
Consumer complaint received 05/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had to resign from a very stressful job XXXX XXXX as a XXXX XXXX XXXX woman due to the health issues it was causing me : I had XXXX twice in a 6 month period and was XXXX. Acording to my doctor, I 'm XXXX because of the XXXX and a XXXX that has been plagued with injuries. I was on a low repayment with 1 % interest on private student loans from Navient, but that plan ended 7 months after my resignation. Despite the fact I am XXXX, I am making less than half ( if I am lucky ) than the year before, XXXX pay for health insurance and my expensive perscriptions losing money on the property I was renting and still trying to keep up on other monthly bills all while living with my parents again. I got behind in my payments with Navient, especially since they were expecting almost twice as much money from me. They call me sometimes seven times a day on auto dial- and when I can answer it 's just a pre-recorded machine telling me to call them back later. Well, I have a XXXX and legitimately forget to call them back. They also had the wrong address on file for me. I was finally able to make a payment, and the very next day they started auto dialing me again!!! I feel like that is harassment. I also spoke to someone on the phone the day when I made the payment, she said she would be my account manager and would talk to me next month about other options, such as lowering the total amount I owe by a certain percentage, but today when I spoke to a supervisor, I was told that is not possible because my loans are private, not federal. I want the constant harassing phone calls to stop! I ca n't pay you another payment when a day has n't even passed for me to receive a paycheck! I ca n't answer my phone when I have XXXX children sitting in the room with me learning about the world. This company is so irritating, especially when they are dealing with people paying off loans for education, not clothes or cars, but schooling for people to advance their careers and lives.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company continues to take escrow on my home owners insurance even after i paid the full premium off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Credit card) with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I noticed an article today about Bank of Omaha, and their illegal credit card practices. I am so glad you nailed these guys. They basically ruined my life when they added me to my wife 's credit card account. When the strain of the fees and charges broke her, it took me down as well, causing us both to lose our house, bankruptcy, and nearly our marriage. This was about 7 years ago or so. Any discomfort you cause them, know they deserve all of it, and probably a lot more.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I've been a customer with US Bank for many years. One day ( XX/XX/2012 ) as I was walking in to make a deposit, a banker approached me and told me I should have a credit card as well, and she thought I would be eligible since I was a home owner. 

Long story short, I walked out with a credit card and a {$5000.00} limit. I used the card for a year or so, and decided I didn't want it anymore. When I called to pay off the card and have the account close ( I didn't want a credit card in the first place ), I was given the run around. 

I called around to whichever numbers I was given and paid my account in full. Looking at my credit history, there is an account that says " In-Collections/ChargeOff ''. This is incorrect information. The account was paid in full.

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 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS 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 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have 3 Delta American Express cards. I received a bill for an annual fee on one of the 3 ( the business account ), and called to cancel the card. They cancelled the card, but said they still had to charge me the XXXX dollar feel because I did n't call within 30 days of receiving the bill. I explained that I am very busy, that it was on my to do list, and I did n't get to it, until the time of the phone call. ( Aproximately 2-3 months ) after receiving the bill. They said they expected payment. Since then, the account has been closed but I get monthly bill for XXXX dollars for a service I have not used. I believe this is poor business practices, especially in light of the fact that I have 2 other cards with them and am a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with SLM CORPORATION (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My account right now is in deferment. I have been making payments and I noticed my overall amount I owe has gone up. I looked into it and saw they upped my interest rate to 10 % on my lower loan. I had no idea. My loans are in deferment because I 'm currently in school and they increase my interest rates during this process. These rates are so high I will never be able to afford these and they did all this as my loans were in deferment, making all the money I have been putting down completely pointless. They are trying to make this impossible for me to ever pay back. They can not increase my interest rates whenever they like to such high amounts that I cant even afford anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: On XXXX XXXX, XXXX Midland Funding ( who had purchased a credit card debt from XXXX ) filed a complaint against me in XXXX XXXX Georgia Superior Court via the law offices of XXXX. 

On XXXX XXXX, XXXX the law offices of XXXX contacted me in writing offering a resolution to the case without further legal proceedings. Through written communication with XXXX a payment agreement was met. I agreed to and paid the law offices of XXXX a total of {$1800.00} in {$75.00} monthly installments between XXXX XXXX, XXXX and XXXX XXXX, XXXX to resolve this debt. 

On XXXX XXXX, XXXX attorneys from XXXX filed an affidavit in XXXX XXXX Georgia Superior Court on behalf of Midland Funding stating that I became in default on XXXX XXXX, XXXX by virtue of " filing no answer '' - which is what their settlement / resolution agreement with me was intended to prevent. 

On XXXX XXXX, XXXX a judgment was ordered and filed by the XXXX XXXX Georgia Superior Court in favor of Midland Funding and awarded them {$1800.00} - {$1500.00} in principal and {$250.00} in court costs - which I had already agreed to pay the law offices of XXXX to prevent these legal proceedings. 

To this day there is still a Civil Judgement showing on my credit reports. Though it now shows " Satisfied '', the judgement will remain there and impact me financially until at least XXXX of XXXX. 

I have all of the communications from the attorneys and copies of all the court documents - including a completely different set of court documents issued from a different attorney in the XXXX that I was forced to sign agreeing to the repayment that never made it into the court records.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am questioning account number XXXX with Debt Recovery Solutions by reason of I have sent several dispute letters to the credit reporting agencies and it comes back verified  every single time. They are demanding that I owe {$820.00} to XXXX on my credit report. I have contacted Debt Recovery Solutions to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I am contacting you today in reference to a predatory loan from santander consumer USA. I know that several other States are pursuing them for subprime auto loans And my loan definitely fits into that category. I 've had the loan since 2012 I 've paid over {$16000.00} on it and I still over {$11000.00}. Looking back-to when I bought the car there was no way that I could have afforded it the dealership I 'm pretty sure move some numbers around to get me approved. I 'm just looking for any information to help me in the situation this car does not even fit the needs of my family any longer, And it 's destroying my credit

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with ProCollect, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Randomly I had a collections agency call me stating I had a balance with a gym that they were working on the behalf of. I asked for documentation from both the collection agency and the gym itself with nothing but figures pointed at the other party to retrieve that info. Neither party is helpful or trying to resolve this matter. 

*This membership came at a time where I was recovering from XXXX found in my XXXX and XXXX XXXX XXXX XXXX It had to be removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I was def. not able to move let alone workout for months. So I know without a doubt this was bogus.

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 11/20/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I have been going through a severe financial hardship these past several months. My income was severely impacted, and I had a hard time making payments. I kept my balance low on my Macy 's credit card and always made my payments on time. My balance as of this writing is {$650.00}. I went on to pay my monthly bill, and received a notification that my credit line decreased from {$4000.00} to {$700.00}. This has dropped my credit score even more, and is not ethical. I have always been in good standing with this creditor, and they have made even more difficult for me now to get back ahead from this recent hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I FELL BEHIND ON MY MORTGAGE PAYMENT FOR 2 HOUSES I OWNED, IN XXXX, ARIZONA. THE MORTGAGE WAS HELD BY XXXX XXXX XXXX. 
XXXX PUT ME ON A 6 MONTH FOREBEARANCE PLAN FOR EACH PROPERTY. I MADE ALL OF THESE PAYMENTS ON TIME. THEY WERE LOWER THAN MY USUAL PAYMENTS. 
AFTER THE 6 MONTH PERIOD ELAPSED, THEY ASKED ME TO RE-APPLY FOR THE LOAN. I DID, THEN THEY DID NOT APPROVE THE NEW LOAN, TOLD ME TO STOP MAKING PAYMENTS, THEN THEY TOOK BOTH PROPERTIES. 
I HAVE YET TO SEE ANY DOCUMENTATION, AS FAR AS THE DISPOSITION OF THE PROPERTY IS CONCERNED. I DONT KNOW IF THEY FORECLOSED, OR WHAT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (SC).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/15, I initated an on line bill payment with Ally Bank for {$260.00} to XXXX XXXX , XXXX ( XXXX ) to an address in XXXX, XXXX. On XX/XX/XXXX, I was advised by XXXX that my payment had not been received. Upon further investigation, it was found that my payment was directed to XXXX XXXX , XXXX ( XXXX ) in XXXX, XXXX. These are XXXX different companies. After multiple telephone conversations with Ally, they advised me that they have done all they could and as far as they were concerned the payment was made correctly. I even had a conference call with Ally, XXXX and myself where the employee for XXXX advised the Ally employee that my account had not been credited and they paid the wrong company, XXXX. 

Ally Bank uses a 3rd party to process their on line bill payments. Effective XXXX/XXXX/15, Ally replaced the 3rd party processor that mishandled my payment with a different company. The supervisor insisted that XXXX must have supplied the 3rd party processor with the wrong routing and transit number. Seriously? That 's their story? They also insist that they are unable to retrieve the payment from XXXX. Had this been a debit or credit card, I would have been able to dispute the transaction, provisionsal credit would have been issued and Ally could initiate a recall of the ACH transaction. 

In brief, for an online bill pay I supply Ally Bank with recipient, address, account number and amount? I, the consumer, do not supply the routing and transit number. For their story to be believed, one has to accept the fact that someone at XXXX XXXX XXXX supplied the terminated 3rd party processor with the wrong routing and transit number. I would tend to believe the more likely scenario is someone at the terminated 3rd party provider bill pay service either looked up the wrong company, or input something incorrectly. 

Regardless, I have advised them that my directed payee did not receive payment and they are responsible for it 's completion. I provided correct information. I made no errors. Ally Bank is in clear violation of UCC 4A 301-305 for its ( or its contracted and terminated 3rd party provider ) actions. I have lost {$260.00} due to their errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: jc penny lower my credit as of a late pymt.

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