milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Our XX/XX/XXXX Statement from Citibank Did NOT Show a Payment of {$1100.00} to Pay Off Our Previous Months Balance in Full. We Contacted Our Bank ( XXXX XXXX ) and Asked them to Fax PROOF of The Payment to Citibank on XX/XX/XXXX, and Mail Us a Copy of The Front and Back of The Check as a Hard Copy. The Check Showed Our Bank Paid {$1100.00} on XX/XX/XXXX, and Citibank Endorsed The Check on XX/XX/XXXX. I Have This Documentation. I Mailed The Hard Copy of Payment to Citibank on XX/XX/XXXX, to : Citibank, XXXX. XXXX XXXX , XXXX XXXX, Mo. XXXX Today, XX/XX/XXXX - Citibank is Still Telling Me They Show No Receipt of This Payment, My Banks Fax, or My Submission of The Hard Copy of The Payment/Endorsement. To Make Matters Worse, Citibank Has Sent Me a Refund of {$970.00} with No Explanation of What Happened to My Original Payment or Why There is a Difference Between the Two Amounts. They Obviously GOT MY PAYMENT, or I Would n't Have Got a Refund. I Have CLOSED My Account With Citibank, as I Have Spent HOURS of My Time, Trying to Get an Explanation From Citibank, and Have Them Acknowledge My ORIGINAL Payment. I am Now Sending Another Payment by Certified Mail/Return Receipt to Protect my Credit Rating. Can You Get an Explanation For Me?

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 02-04-2018 about Debt collection (Other debt) with Penn Credit Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I began receiving phone calls about a debt that was the result of identity theft. I notified the callers of this and was still harassed. I then notified the company from which the debt originated of the identity theft and was assured they would handle it. Some time goes by and I still receive calls with threats of negatively affecting my credit score if I don't hurry and pay them. They then attached to my credit score while I waited to hear back from XXXX XXXX ( the company fraudulent debt originated from ) and it knocked my credit down 47 points. After attempts to contact XXXX XXXX, I was finally informed I could contact their " collection department '' during my work hours where it is physically and literally impossible for me to make calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
I have had some issues with this company in the past, but over the years they have accommodated my need for an adjusted payment so I was n't overly dissatisfied ... until now. 
Part of my adjusted payment plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. When I have extra cash from a tax return or bonus I will add this to the payment. 
About a week ago I decided after getting a hefty bonus payment that I was going to make a large lump sum payment to one of my loans. 
I set the payment online, hit submit ONCE, and got ONE confirmation number. Fast forward to yesterday and XXXX has fraudulently withdrawn an additional {$6000.00} dollars from my bank account. The amount of catastrophe this has caused is unmeasurable. 
In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 
I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 
XXXX took money from my bank account without my permission. Having my bank information for PREVIOUSLY AGREED UPON monthly charges does not permit you to take large sums of money from my bank account. 
I will be calling the company again on Monday and requesting a more timely resolution to this issue, if not I will be seeking legal counsel and seeking damages for the other accounts that I can not payoff while this issue is being resolved. 
My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. Furthermore, I am being additionally charged for everyday it is negative. Which will be until the payment is refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: did a dispute with PRA llc they sent me XXXX copys of statements that do n't add up looks to be altered but there investigation says it 's valid

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was pressured by a third party to get this loan with guaranteed job placement once graduated. I am thousands of dollars in debt. Navient has a class action law suit. The penalties are through the roof. I believe that this was fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a short sale package in XXXX 2014. US Bank has not given me an answer to my request. I believe a year is more than enough time for US Bank to review and give me an answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with Insight Financial Services LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX 2016, we submitted a loan application and the required docs and received a Pre-Approval letter by Insight Loans so we placed a contract on a home based on the amount of the Pre-Approval. 

Awaiting closing, we packed up our entire household items, informed our landlord that we were moving out so he arranged showings on the house, and many other time consuming and/or costly changes. A few days before closing, we had n't received any updates except a few text messages stating that underwriting was very busy but rest assured everything will be fine. Closing day came and went without any return calls/emails that we made as well as requests from our realtor and the seller 's realtor. We also emailed XXXX XXXX ( lender ), to no avail. 

A day after expected close date, we were asked for an extension from Insight. The sellers did not give us an extension because they were very frustrated and had already moved out ( expecting to close ) and paying XXXX mortgages. We never received an update from Insight Loans that day and the home was put back on the market. 

Later that week, we were informed that the Senior Underwriter did n't approve our loan! We were in shock! NOTHING had changed on our end - everything remained the same. The final excuse we received as to why our loan was declined was because the Loan Officer calculated the income incorrectly. 

We understand that closings fall through all of the time due to changes that occur on the buyer 's end. However, there were NO changes on our end and the loan officer agreed. We met every condition the underwriter had sent. We are devastated that we lost the home and how this affected many families. The after-the-fact apology that was received by the loan officer does not begin to make up for what we are going through. 

How could this process go this far and then only receive an excuse of " the income was calculated incorrectly ''?? We have it all documented in an email. 

We are living in a house that is all packed up with nowhere to go. Also, the sellers are now refusing to give us our earnest money back and we have paid money towards inspections, etc. that we have not received back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I always make my monthly payment online from navient.com, but when I tried to make my XXXX 2015 payment, I was unable to log in to my account online, due to some kind of " legal '' issue. Not knowing why I would be locked out, I tried calling the number given. No answer. So I attempted to call multiple different numbers until I got through to a person. I was then asked if I was involved in any type of " legal mitigation, such as a bankruptcy '' which I am not, and never have been involved in any type of legal activity, but this was the reason I was locked out of my account online. 

After I told the rep that I was not in any type of legal mitigation, I made my payment over the phone and they were going to work on getting my access back online to make future payments. About two weeks after making my payment over the phone, I received a late notice, saying I missed my XXXX 2015 payment. Well, it was actually mis-applied by the rep. as I paid the full amount that was due for XXXX 2015. 

I have called, emailed, faxed my issue to Navient and it is STILL not corrected. It is a simple payment correction. I have actively been trying to get this corrected for weeks now and I am getting nowhere with Navient. I was trying to get my XXXX payment corrected before I made my XXXX payment, so it was not mis-applied as well, but since the issue is taking so long, I went ahead and paid my normal monthly payment for XXXX 2015, so please ensure it is posted correctly as well. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30, 60, 90 days in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off our loan on XXXX/XXXX/16. They held on to our escrow money until supposedly disbursing it on XXXX/XXXX/16. It 's now 24 days since disbursement date and 42 days since paying off the loan and we still have n't received any funds. This should have been part of the settlement of the pay of the loan, not something where they hold on to my money for months after paying them off. I 've reached out to them 7 times now. I receive no communication back from them. The only time I got a hold of them, they told me to wait another week and I should get it. That was on XXXX/XXXX/16! It 's now XXXX/XXXX/16!

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 02-12-2016 about Consumer Loan (Vehicle loan) with VW Credit (IL).
Issue: Taking out the loan or lease

Complaint: In XXXX XXXX, I purchased and financed a vehicle through Volkswagen Credit. Shortly after, Volkswagen admitted to having deceived its customers through fraudulent emissions practices in it 's diesel vehicles. The vehicle I purchased was a XXXX XXXX XXXX, a diesel car that was impacted by Volkswagen 's fraudulent practices. I have contacted Volkswagen Credit on several occasions to request that the take the vehicle back and eliminate the loan from my credit. I have been told that if I stop paying the car loan, the car will be repossessed and will impact my credit score significantly. I have continued to pay the loan and am current, but feel that there is rampant fraud throughout this issue. I do n't believe myself or other consumers should have an obligation to continue to pay on financing for vehicles that were sold deceptively. I have made no progress working directly with Volkswagen. Seeing as the company sold and financed a fraudulent product, I am hoping that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however Chase Bank continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for Chase Bank to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : Chase CFPB Complaint : XXXX Credit Bureaus Complaint ID : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Billing disputes

Complaint: HELLO. 
THIS PARAGRAPH IS SUPLIMENTAL TO THE ONE BELOW.ON PAGES XXXX THRU XXXX IT IS CLEARLY INDICATED THAT I WAS CHARGED FOR NOBLE MATERIAL AND I WAS PROVIDED SEMI PRECIOUS.AS SEEN IN THE DOCUMENTS PROVIDED YOU SEE THAT THE XXXX XXXX AGREES WITH MY ARGUMENT.UP TO THIS DAY THE PHYSICIAN HAS FAILED TO PROVIDE THE CERTIFICATION OF ANYTHING ON THE XXXX POST.IHAVE SPOKEN TO THE OTHER AGENCIES AND THEY SAY IN CASE OF INSURANCE THIS WOULD BE A PERFECT EXAMPLE OF INSURANCE FRAUD ; SINCE THERE IS NOT INSURANCE INVOLVED THIS IS DEFINITELY A COMPLETE VIOLATION OF CALIFORNIA XXXX XXXX XXXX AND COMPLETE BREACH OF CONTRACT.I NEED A SERIOUS AND IMMIDIATE ATTENTION TO THIS MATTER PLEASE.WHEN I RECENTLY SPOKE WITH REPRESENTATIVE SHE SUGESTED THET I RESUBMIT THE COMPLAINT. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX IN MY XXXX. I JUST WANTED THESE XXXX OUT AND REPLACED WITH COMPOSITE XXXX. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED XXXX AND XXXX. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR XXXX AND XXXX. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS SEMI PRECIOUS MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS SEMI PRECIOUS AND I HAD REPAIR BILLS FOR XXXX OF THE XXXX I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN XXXX. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED SEMI PRECIOUS AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY XXXX. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE XXXX HE HAS DONE NEEDS XXXX AND ANOTHER XXXX XXXX NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE XXXX BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES XXXX ON ALL OF THE TEETH HE HAS WORKED ON.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX &! On XXXX XXXX, 2016 my friend XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal then the bank manager XXXX contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity and I would be granted my refund of XXXX everything would be fine that was not the case when we got back to the bank the branch manager XXXX just wanted the money I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX Bank I have limited information about my funds and I was referred here to possible get a resolution my contact number is 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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is the second time I have contacted your Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XX/XX/XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.

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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus

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