AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX/ XXXX XXXX group as assignee of Citibank N.A . had asked for copies of statements proving the balance due, had asked everything in writing to stop robo calling ; had told them balances were in error and that Citibank had not honored credit protection, rewards points, XXXX had refused any assistance in this matter ; they had been reporting this account late going on 3 years on my credit report. Summons was issued, refused any assistance, paid attorney XXXX to answer summons, filed at the courts myself ; had para legal complete and notify XXXX/ Citibank ; with case management, filed and entered at court ; ordered to appear XXXX/XXXX/XXXX original XXXX then changed to XXXX ; I appeared at XXXX then stayed the entire day of which XXXX group no showed ; they were given another court date XXXX XXXX, XXXX had I been the one not to appear I would have a judgement however since it was a credit card collectors representing the banks with legal representation? it was rescheduled. Most recently mailed a threatening notice claiming that they still had not received appropriate information? This has been causing undue stress and continued negative reporting on my credit rating which I have been trying to correct after major medical, loss of homes foreclosures, had Citibank has knowingly sold this and XXXX has knowingly refused to stop proceedings while under investigation. They failed to show!! this should have been at the minimum dismissed with prediduce. I have told them that I am on a fixed income and unable to come up with cash lump sum, I have also shared with them it is inaccurate and that they need to send the numerous years of payment to me showing just where they got their totals? Citibank has complied with liar reports sent directly to XXXX with their added fees after they declined to assist. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was young and in the military when I was taken advantage of when buying a car. Navy Federal Credit Union gave me a loan that was more than the car was worth. The dealership and the banking institution was working together to get over on me. Now when I try to get rid of the car, the banking institution wont let me they said it will have to be a voluntary repossession. So now my credit is shot and I 'm struggling to get my credit right and having a hard time with a car that have should of been paid off. I been asking the bank to work with me because I had to put monies into the car to repair the engine and electrical work done. I even asked about the civil service act but they said I 'm not qualified. I feel as though I have been worked over by the banking institution and the dealership. My interest rate has n't went down since I first brought the car and it was at 15.69 % and I feel that is way to high. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Sears Mastercard issued by Citibank, which I have held since 2010. I have paperless online statements and email notification, and I make payments online. I have not had access to my online account or statements for XXXX billing cycles, and can not make payments online. though I receive email notification that a statement is available. I have talked with IR and customer service as recently as today, but they offer no solution nor a timeline for fixing the problem, which they explained as the result of a software upgrade. They offered to send me a paper statement that would arrive 3 days before my payment is do, and when I noted this was a violation of the law, they insisted that there is no legal requirement to send a statement to a card holder. Without online access, I have no access to my cardholder agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently my mortgage was aquired from XXXX to Greentree and now Ditech. Ditech has sent me an Annual Escrow Account Disclosure Statement informing me of my mortgage payment of {$560.00} was changing to {$680.00} for projected 2016 property tax increase and hazard insurance increase. My hazard insurance has been changed to XXXX going down {$200.00} which Ditech has recognized. So, what they are saying is my property tax is estimated to go up {$1400.00} for 2016! I do n't think so. Also, I was under a mortgage motification program for the mortgage with CitiMortgage. I have talked with Ditech trying to understand why so much but the service representatives I have spoken to have been very short and condescending to me and I get frustrated and hang up. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: There is an account that is my wife 's only and now showing up on my credit file because it is delinquent. I never signed to be financially responsible for this account and when it was positive it was not showing on my report. I tried to resolve and this company has nothing I signed. Please help me 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXXXXXXXXXXFOR IMMEDIATE RELEASEContact : XXXX XXXXHELP!!! US BANK XXXX ME ( financially ) XXXX XXXX, 2015, XXXX XXXX, CaliforniaIt has taken me a little over six months to obtain a Court Hearing for monies owed to me. 
On XXXX XXXX, 2015, finally, an ORDER TO DISBURSE FUNDS TO ME was signed by a Judge of the XXXX of California. 

On XXXX XXXX, 2015, I presented ID & picked up my County of XXXX XXXX Check XXXX in the amount of {$11000.00} ( Exhibit A ) from Supervisor XXXX XXXX XXXX Exhibit B ). 

On XXXX XXXX 2015, I presented ID & deposited the check with US Bank, XXXX XXXX ( Exhibit C ), who gave me Official Receipts for my deposit totaling {$11000.00} ( Exhibits D ). XXXX informed me because it was a government check it should be cleared by XXXX XXXX, 2015. 

On XXXX, XXXX XXXX, 2015 I felt certainly the check should be cleared & phoned XXXX who at that time informed me the check had NOT cleared and will never clear! I was stunned and asked why at which time XXXX said " You 've been defrauded and should forget about the check because it 's no good. '' I immediately telephoned XXXX XXXX who expressed disbelief and informed me the check was in fact good and they issue checks for XXXX and have never heard of such. Understandably confused I apologized to XXXX XXXX and said I will get back to him. 

On XXXX, XXXX XXXX, 2015, I telephoned US Bank 's Corporate office at XXXX, and asked to be transferred to the XXXX, XXXX XXXX. I spoke with XXXX XXXX of XXXX XXXX office ( XXXX ) who promised to " get back to me within 1 hour. '' Instead, I received a call from XXXX a man who identified himself as " XXXX '' who informed me the check was no good. I immediately called XXXX XXXX and requested a stop payment be put on the check and have another check issued to me, which XXXX XXXX agreed to handle. At XXXX XXXX XXXX sent me an email stating that US Bank has received all funds and that the subject check CLEARED on XX/XX/2015 therefore he could NOT stop payment. 

US Bank took NO due diligence to inquire as to the veracity of the check, and when US Bank had an opportunity to verify that the check was good, release my money to me and apologize, instead they did not, as on XX/XX/2015, I immediately phoned " XXXX '' back at which time I received a call from XXXX XXXX and put us on a XXXX way conference call, to which XXXX said " I will not have any interaction with the maker of the check! '' and hung up on XXXX XXXX and I. I phoned XXXX and he told me if anything, they might in a week or more, turn all my Court Awarded funds back to the payer of the check, but they will never give me the original check back or monies that cleared. I suppose US Bank feels it will be virtually impossible for me to get the County to reissue said funds owing to me. Certainly regarding this matter, US Bank is engaging in : Bad Faith, Discrimination, Fraud, Breach of Fiduciary Duty, CONVERSION ( converting my property to theirs! ), Unethical Business Practices, Receiving Money Under False Pretenses, Theft, etc. 

Exhibit F are my PICKET signs for next week! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had the Citi XXXX XXXX XXXX Card for a few years. I have usually received the XXXX XXXX Certificate a few weeks after my account anniversary for spending {$10000.00} or more on this account. My anniversary was XXXX 2015. I still have n't received the certificate, despite the fact that I made the minimum spend this year ( the website confirms this ). When I called the customer service, I was given a big run-around. When I messaged them via secure message, I was also given a very vague response with a response to the effect that I just might hear something from them in 7-10 days. I find this to be breach of contract, more specifically, non-delivery of what we agreed to receive when I signed up for this credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted XXXX, my account rep at Ditch 2 days ago and never received a call back regarding a loan modification. I want to stay in my home, submitted additional documentation that should qualify me for a modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt collector from Triple A collections from XXXX XXXX, SD. I believe that was the company name. Their phone number is ( XXXX ) XXXX. They mentioned the bankruptcy before I did and still tried to collect on the debt. The debt is from XXXX XXXX. The amount is in excess of {$2000.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Years ago, I think XXXX, I saw on a credit report that and old credit card debt from MBNA was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX 2015, that there was a Judgment Lien on my credit report. XXXX Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to XXXX who then tried to collect on an expired debt. I looked up XXXX on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by XXXX. Now I found out XXXX sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2016 - TranUnion is reporting that my vehicle was repossessed by XXXX XXXX even thought I paid off my vehicle in full a couple months ago and XXXX XXXX send me the title documents. I noticed my credit score dropped XXXX points since this error occurred. 
It is so interesting that when these companies make mistakes it is always in their favor and never in the favor of the consumer. Please help me in getting this matter resolved as I am unable to contact anyone at the credit bureau to correct this error. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

YOU ARE placing a fraud ALTER ON MY CREDIT REPORT I DID NOT REQUEST IT!!! 

THIS IS A SCAM NOT TO DO YOUR JOB, WHEN YOU PLACE AN ALERT TO DO N'T HAVE TO INVESTIGATE!!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: in 2012 I entered into a " settlement note '' whereby I would pay {$100.00} a month for 100 months in exchange they would release me from my personal liability for a mortgage that was in foreclosure. We signed all the papers and I began making my payments. After a few months I began to inquire about the release document and was told that it was forthcoming. after that I was told I would have to get it from XXXX. Than I was told to get it from fannie mae all along I continued to make my payments timely. After a few years I was informed that the lender pursuing the foreclosure was going to pursue a judgment against me personally as part of the foreclosure. My lawyer explained that I had been released already and they said not to there knowledge. I than called again and after alomost four years was told that there was a mistake and they were refunding to me my payments. I explained that they had to leave up to their side of the bargain and they said no. It was n't their problem. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I 've been getting calls for MONTHS from different numbers and different states. They do not state where they are calling from but when I look them up online everyone says its debt collectors. All they say in voicemails is I need to call them back regarding an important financial matter. I 've blocked all numbers they call from and they continue to call from different out of state numbers RELENTLESSLY. When you answer, they just hang up on you they do n't even speak!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My loan was transferred from XXXX to LoanCare LLC on XX/XX/2016. XXXX auto drafted my account for the XX/XX/XXXX payment. I called LoanCare on XX/XX/2016 to make a payment. They told me to wait for the " Welcome Packet ''. A packet never arrived so I mailed a check on XX/XX/XXXX. The packet finally arrived on XX/XX/2016. I immediately set up auto draft by faxing the info they requested. The check I sent on XX/XX/2016 cleared my account on XX/XX/2016. Also on XX/XX/2016 LoanCare did a test ACH for my auto drafts. I am now receiving pre-foreclosure notices in the mail, 9 so far. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I reviewed my account and notices another unauthorized charge was taken out my the XXXX request that fill out the form and submit then it will take XXXX hours to apply the money back to my. Navy Federal consently allow unauthorized withdrawal from my and they customers representatives treatment like I did when calling in to report a authorized charge. Please investigate the policy and procedures that Navy Federal uses to protect their customers from thing like this and make sure they are working to United States Federal regulations 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is attempting to recover an already paid for account that I originated with XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would like copies of Insurance premiums and cashed checks from my mortgage company Arvest Bank. As you can see for the year XXXX and XXXX stick out like sour thumb. You have closed case XXXX with out any merit or have given me copies of the Insurance Premium as well as cashed checks this has ROBO SIGN all over it, Also you have falsified and alter XXXX contract. Please see attached as you have removed the SCOPE OF THE WORK as well as the amount ROBO SIGN again. I have copies of originals Contracts from XXXX XXXX with initials in every page as well as a notary stamp with different dates. Also please see attached a copy of a new Authorization form from my new Attorney XXXX XXXX. This is not a duplicate complaint 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Contacted 'law offices ' and could not get proper balance when requested. Also having paid on this debt for over 1 year have never received quarterly accounting of the debt while the consumer makes payments. 

Unsure what is currently owed and lawfirm has told me I must keep paying. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TransUnion has ignored my request by constantly running around the issue. They yet to explained why an account that shows Paid in Full by the borrower on XX/XX/2015 TransUnion continues to report a 90 days late payment on XX/XX/2015. Even their own report makes no sense as they report the account " OK '' for all previous months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 90 days late on XX/XX/XXXX. I 'm attaching a picture ( sorry can not upload the document to my PC ) of the document proving my claim. They keep sending notice of investigation closed without addressing or changing the negative report. Neither an explanation of how they arrived at the same conclusion than before. TransUnion is in violation U.S.C. 1681i 611-15 ( 4 ) ; ( 5 ) ( A ) ( i ) ; ( 6 ) ; ( 7 ) ( 8 ) The complete arrogance and indifference demonstrated by Transunion is beyond justification. Specially, since other consumer reporting company have corrected it by deleting the same negative item from their report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had been paying off my XXXX bill after I switched phone carriers. I was paying what I could and I would receive new updated billings. Then, without notification my balance due of {$140.00} was turned over to debt collector. 
As someone who was paying off as much as I could and making progress I feel that it was wrong to turn this over to a debt collector. 
XXXX XXXX ( XXXX ) XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, XXXX XXXX, 2016 Transunion has false information on my credit report! There 's a inquiry on my credit report from XXXX! Dated XXXX XXXX, 2016. Which was on a Sunday! I never left my home, nor did I not attempt any service from XXXX! I never was a customer of XXXX. I never tried to, n never will try to open Any account with sprint! How on EARTH DID XXXX GET MY INFORMATION WITHOUT MY KNOWLEDGE!? PLEASE REMOVE IT FROM MY CREDIT REPORT! I NEVER APPLIED FOR ANYTHING WITH THEM! 
XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me {$50.00} to get back my own money ... 

Company response: Company chooses not to provide a public response
Consumer complaint: RECEIVABLE PERFORMANCE/XXXX has consistently troubled me over a debt of {$960.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

Receivable Performance must delete it from my credit report with deliberate speed. 

Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have routinely gotten collection calls for a XXXX or XXXX XXXX at my home phone # ( XXXX ) XXXX for several years. I am not XXXX XXXX and I do n't know a XXXX XXXX. I have told this to the callers, but eventually after some time, the calls start again. The latest from ( XXXX ) XXXX started just this month, XXXX robocalls XXXX, XXXX & XXXX. Although in XXXX, I got XXXX calls asking for a strange name and told them they had wrong number, where upon they told me they would correct their files. 
I called the number this morning asking that they verify this debt as I want to get to the bottom of this, so I can stop this harassment once and for all. This person was the one that told me the person 's first name was XXXX. She also said that maybe this person used my home phone number as the reason I getting these calls. She then referred me to ( XXXX ) XXXX I left a message there, asking that they send all documentation to my office fax or email. I also sent an email to this company, Receivables Performance Management, asking for the details. Again, I want all of these calls to stop and if I know who the original creditors are, I can deal with them directly. As I am the one getting the phone calls for this woman, I have a right to know why. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a car repossessed in 2009 by XXXX. I went to court and settle with there lawyers and paid in full the settled amount. This judgment is and has been paid in full and has been removed already from my Transunion credit report. I would like the judgement removed/deleted immediately off my account. This happened back in 2009 and this judgment is still being used against me today when getting things that require good credit. I have taken the necessary steps to fix the financial issues I had back in 2009 and it has been 7 years since repossession. I am a member of the XXXX as well in finances and it looks bad against me when I am moving places and some jobs in my XXXX require credit reports and this info is till on there. I have maid contact with XXXX over the issue and they recommended disputing the judgement and they would then remove from my account once approached through the dispute process. Please help me out 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response