milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Credit card protection / Debt protection

Complaint: I RECEIVED XXXX CREDIT CARD ( VISA ) FROM CITIBANK YESTERDAYXX/XX/2015. IT WAS XXXX FOR ME & ANOTHER WAS MY HUSBAND. I NEVER EVER REQUESTED A CREDIT CARD FOR MY HUSBAND. I AM VERY UPSET WITH CITIBANK, HOW THEY GOT HIS NAME. MORE OVER CITIBANK 'S CUSTOMER SERVICE ISVERY POOR. CUSTOMER SERVICE IS OUT OF U.S.A. & THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. THEY DROP CUSTOMER CALL WHEN EVER THEY LIKE TO DO SO. THIS IS VERY RIDICULOUS. CITIBANK SHOULD BE PUNISH TO DO SUCH ACTION WITHOUT PERMISSION OF CUSTOMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (OK).
Issue: Managing the loan or lease

Complaint: I took a loan out from Big Picture loans out of pure desperation. When I accepted the loan it appeared that I would have to pay back the {$600.00} I originally borrowed and a {$210.00} finance charge. Today I thought I was making my last payment but when I logged on it said I had another payment due on XX/XX/XXXX. I called the company and basically all they could tell me is that I have yet to pay on my principal balance and I am paying the {$210.00} finance fee over and over. They offered to settle with me which leads me to believe that they do this often and I am not the only one that finds the terms of this loan misleading. The first settlement offer was for the {$810.00} which is the original {$600.00} I borrowed plus the {$210.00} fiance fee, I said no that does n't work and they offered to lower it to {$600.00} and I again said I could not do that and they offered to settle for {$360.00}. After digging around on the confusing and misleading website, I found that they are charging me 967.591 % interest. That means I owe them around {$3600.00}! The XXXX different women I talked to when I called never mentioned anything about interest, only kept referencing the {$210.00} finance fee that I have paid 4 times now. I understand that they have a business to run and families to feed but this is ridiculous. They are taking advantage of people desperate to make ends meet. I feel totally bamboozled and ripped off. I have no idea what I am going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Since Green Tree sold to Ditech in XXXX XXXX, it has been a nightmare to deal with Ditech Financial LL. We have an automatic payment set up through our bank and we 've also made XXXX payments on Ditech 's website. According to their own records, we do n't have a payment due until XXXX XXXX, XXXX. 
Their debt collector has been sending us letters. We do n't want their incompetence resulting in an adverse effect on our credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I wish to file a complaint and request a investigation of practices of Santander Consumer USA of Texas. This organization has no control of its representatives nor its vendors. The # of complaints regarding this bus business are beyond count and indicate a clear pattern of mistreatment of Consumers. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Auto) with BMW Financial Services NA, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving automated calls all throughout the day, including evening after XXXX with no agent, just recordings, This is NOT by debt

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My husband and I received a letter from XXXX XXXX denying an application for an auto loan dated XX/XX/XXXX. We had already been approved for a low interest loan through another lender and the deal was previously completed. However, this letter stated that XXXX XXXX could not approve us for an auto loan because of our credit scores from 1 of the 2 sources they had checked. The XXXX Credit Reporting agency stated our scores were XXXX and XXXX, but another credit reporting agency by the name of XXXX XXXX XXXX, stated that our Credit scores were only XXXX and XXXX. First of all, I had never heard of XXXX XXXX XXXX! Where did this agency suddenly appear from? I was told it was previously XXXX XXXX. I called the phone number for XXXX but was only able to leave a short message, but have not heard back from them. The reason XXXX gave us such low scores was " limited history for consumer at address and phone number. '' They have limited information because they have not been around long enough! I am very familiar with the 3 major reporting agencies that have been around for decades ( XXXX, XXXX and XXXX ) but this new agency has no business giving out credit scores based on their limited access to credit information!! I have read many complaints on this agency making consumers unable to qualify for loans or low or no interest rate promos because of their low credit scoring reporting that is not at all close to the other 3 main reporting agencies. I do n't know if this is some sort of scam to drive up the interest rates companies can charge, but I am requesting XXXX be investigated and that their scores can not affect the borrowing powers of consumers.

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 07-11-2016 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I signed up for Nationwide Biweekly Administiration 's program. The program was to reduce my interest payments, and the length of my loan by withdrawing half of my mtg payment twice a month, effectively making one additional payment a year to be applied to extra principle. Implicit in this arrangement is that this program is to be in effect for the duration of this loan, as the purpose is to reduce the length of the loan. My service was suspended in XX/XX/XXXX and has not resumed, false promises were made that the program would resume in XX/XX/XXXX. It is now XX/XX/XXXX. They have ceased ALL communications and will not answer my e-mail. When I call on the phone, I get a CSR parroting lines from a script. They have collected the full fee for their services and have not delivered. They have flat out said they will not refund anyone part of the fee. Now I find this article that a complaint has been filed against these crooks. I would like to add my name to the list of people who are due compensation from this crooked company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX Santander opened my closed/written off debt account that had a $XXXX  balance since XX/XX/XXXX and changed my terms from 72mos to 81mos and changed my balance from $XXXX to $XXXX. I disputed with bureaus as fraud. Bureaus allowed Santander to add that amount. On XX/XX/XXXX Santander, once again, opened my closed/written off debt again, and changed my $XXXX balance to $XXXX and also reported me as late/missing a payment which dropped my score 41pts and changed my 100% payment history to 98%. I disputed with the bureaus again. My balance changing twice within  eight months on a closed/written off account. I also phoned Santander and was given two totally different amounts owed. Once I read my credit reports to them, I was met with hostility and told, the debt isn't going away whether I like it or not. I asked to speak to a supervisor. XXXX XXXX got on the line. He stated the only balance he saw was for $XXXX  as of XX/XX/XXXX. I reiterated the events of XX/XX/XXXX and current day. He stated that he isn't aware of the company being allowed to open a closed debt and tack on monies and change the debts terms. I was told by him that he'd get to the bottom of it and call me back. 12days...XX/XX/XXXX later, I've yet to hear from him. My credit reports have not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (RI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have not applied fo r a Mastercard from NetSpendSmallBusiness.com, but I 've received one in the mail. I do not want the card, nor do I w ant them to mail me any additional cards. It is my understanding that sending a person an credit card that they did not apply for is illegal. There is a number on the card to " activate '' it,  XXXX   XXXX . The number also appears on the back. I called the number, not to activate it, but to complain. My only options were to activate it, or provide them with my social security number, which I was NOT going to do. I feel t  his may be a scam.
I have had trouble with the risk of identity theft,   and my credit is frozen. They should not have been able to process a card for me. I 've called  XXXX , and there have been no inquiries by this company.     These people should be held accountable for breaking the law.     My name is  XXXX   XXXX . My telephone number i s (   XXXX   )   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The original creditor reported that I was married, which sky rocketed my insurance premium. They never sent any information so I can defend the dispute. As a result they placed a XXXX account in collections on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name

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 05-01-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NE).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Early XXXX 2008 talked with XXXX XXXX at Wells Fargo Bank XXXX XXXX, XXXX NE and gave a debit card deposit of {$490.00} to " Lock in the rates ''. A few days later we told him we were going wit another bank and asked for a refund. The refund was denied as it was to be for appraisal and credit report, of which neither was done. 
We are retired and live on social security and can not afford to loose the {$400.00}. We believe Wells Fargo deceived into thinking the deposit was to " Lock In The Rate '' for a period of time, as XXXX XXXX said, " The rates are fluctuating every day. ''

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 08/22/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX ( which I assume is a debt collector ) they are trying to collect on someones Paypal Credit account, but its not mine. I do n't even have a Paypal account. The letter does not tell me much just that it 's a Paypal credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am receiving calls everyday, less than 24 hours from when I previously spoke to them. I give them the same spill, " I am unemployed, I do n't receive unemployment, I have no income whatsoever at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: {$180.00} will br collected by XXXX XXXX I, XXXX, the charge is a fraud charge put on my citi master dividened card. The balance is sold to XXXX XXXX I, XXXX by citi 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 06-03-2015 about Debt collection (I do not know) with Premier Recovery Group (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The call started out half human half automated and it rambled on about it being XXXX services and stated that they needed to hear from me or my attorney by today and to refer to file # XXXX. The call came from XXXX. During the call it gave me the option to call back or speak to a representative by pressing XXXX. I elected to speak to a representative. A man named XXXX went on to state that I have an outstanding payday loan that was for {$2500.00} that I never paid back. He states that if I do n't pay they will have the sheriff serve me with documentation to appear in court either at my home or place of employment. I advised him that although he has some of my information not all of that information is mine. He became very nasty calling me a liar. I then advised him that I am not paying a debt that I do not owe and is not mine. I requested that he mail information from the original debt to me, he stated that I had already gotten this information years ago and ignored it. I then asked him to email it and he stated that they do n't send emails. He then gave banking information that I no longer have because I had an issue with payments being taken out for a company that I did n't know. He then told me that he has my SSN and that in the end I will have to pay up or go to jail. When I asked about being sent a noticed by his company due to being taken to court and that I never got it, he stated that it was my problem not his. I told him that I ca n't dispute a debt if I do n't have validation of the debt and I do n't have anything in writing.

Company response to consumer: Closed
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have an issue with the Ultimate Rewards program. The first thing I see when I login on the left side is my Ultimate Rewards balance of XXXX total point as of this moment that I am writing this. Upon clicking on it, it displays the XXXX credit cards with their respective " current '' point balances and asks me to select one. After I select the card account that has XXXX points, I hover over to the top right where it displays XXXX points and then select combine points. On the combine points screen, I select to move XXXX points to the other credit card account with XXXX points. I then select the option to move all my points. After I press Review, on the next screen I click Confirm & Submit. Then I get the message " An unexpected error occurred. '' I called customer service today and spoke to XXXX. She said since the account was closed in XX/XX/XXXX, I had to have used my points within 30 days. I did not know that. If that really is the case, then why does it say that my " current point balance '' is XXXX points? If I am not allowed to use the points that I have earned then why does it say that those points are my " current point balance ''? She was not able to give a satisfying answer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Consumer Loan (Vehicle loan) with Ditech Financial LLC (NC).
Issue: Taking out the loan or lease

Complaint: GREEN TREEXXXX XXXX, SDXXXX ( XXXX ) XXXXXXXXThey are stating that I had an auto loan with them back in 2006. I have never had any loans or dealings with Green Tree. I do n't even know who they are to be honest. How can I get this taken care of?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX there was a system upgrade and since that day, my funds have been depleted. There are multiple items that have been debited from my account numerous times after calling the merchant and getting the authorization codes I was told they could only release ONE. When I checked my account this morning, my money was once again GONE! 

There is also a dispute that I filed on XXXX XXXX for {$62.00} that has not been resolved. Customer service is HORRIBLE and I am MORE than fed up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: I was charged a minimum interest charge fee of {$2.00} despite having a {$0.00} balance after making my final payment before the statement due date.

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 05/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent out a dispute letter via certified mail to Equifax on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from Equifax. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I ordered my annual free report from " ChecxSystems '' Consumer Relations located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX and received it Saturday XX/XX/2018 in there it has variations of my First Name, Middle initial, and Last Name. There were 3 variations of my current address. I Called this morning XX/XX/2018 to ask the Rep. if he can consolidate my Name variations and address variations and he said " I apologize but I can not do that '' I asked him to check the manual or with the manager, since in the past I would make corrections on the " Big 3 '' credit reporting agencies and had relatively no problem fixing up and consolidating variations, but he was unwilling to help in this matter. This is why I am opening this complaint since I do not believe that corrections and consolidations can not be made. 

Letter is by me should, and I will upload it when asked. 

Thanks

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 04/19/2017 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NE).
Issue: Shopping for a loan or lease

Complaint: The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I am a customer  of Chase 's   XXXX   XXXX   XXXX . This card heavily advertises a rewards program that rewards 3 % of spend on travel & dining purchases, and 1 % on all other purchases, which I 've used for sometime and have been quite satisfied with - but comes at a cost of a {$450.00} annual fee, so I have high expectations for fully utilizing the benefits of the card.     Earlier this year, I made a purchase at a cabin/lodging rental company,  XXXX   XXXX , for a trip. While not a nationally recognized hotel brand or travel agency, it 's a reputable company that can be easily found through web search, has a better business bureau profile, etc.     I reviewed my statement from  Chase  and found that I only received 1 % cash back on this purchase. I have contacted them multiple times to try to adjust my purchase to reflect that this merchant should be considered a 'travel ' expense and earn 3 % rewards, but was told that the merchant classification for  XXXX   XXXX  that from happening.     How the merchant is classified is not my problem  - Chase  clearly advertises bonus rewards for travel, and any reasonable person would conclude this purchase should earn them. I recognize the syste m may not be  100 % foolproof and am happy to bring this to their attention - but it is deceptive and unfair for them to not adjust my rewards balance after my having done so.

Company response to consumer: Closed with non-monetary relief