AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, 2016 Consumer Financial Protection Bureau Case # XXXX, XXXX XXXX Department of Insurance & Financial Services Case # XXXX Dear CFPB & DIFS : This letter is regarding above case numbers and CFPB 's press release dated : XXXX XXXX, 2016. 
CONSUMER FINANCIAL PROTECTION BUREAU ORDERS CITIBANK TO PROVIDE RELIEF TO CONSUMERS FOR ILLEGAL DEBT SALES AND COLLECTION PRACTICES " Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, '' said CFPB Director XXXX XXXX. " Today 's action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. '' Will you please take a look at above case numbers! You will see that Citibank , N.A . via XXXX , XXXX XXXX XXXX of XXXX, XXXX as well as XXXX , XXXX XXXX XXXX of XXXX, XXXX did the same thing in above case number! We have yet to see any enforcement action here in Michigan. 
Redress is all we ask! 
Respectfully, XXXX & XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid this debt, they keep attempting to recollect the dept I paid in full. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had insurance claim money for home repairs held hostage by mortgage company XXXX XXXX. XXXX turned over all funds to Green Tree. I attempted to recover funds from Green Tree in order to complete insurance repairs and pay contractor. Green Tree acknowledged possession of funds and also exhibited a willingness to help. I was given instructions from Green Tree Rep on how to obtain funds.The instructions were to have my contractor call Green Tree and arrange for a disbursement. Rep said he needed a tax number from contractor to proceed. Contractor said he could not communicate with Green Tree because they were reluctant to negotiate with anyone other than owner of property. This was disconcerting because I realized that I was now going in circles. My next communication with Green Tree was a failure because reps did not understand situation. They were abusive and forthe most part unwilling to help me arrange this transaction. Rep hung up on me each time I called. From this point I could not get a positive communication with Green Tree 's customer service center. Communication was negative. I was hung up on, lied to, disrespected and disregarded.My wife experienced similar setbacks. Now my mortgage company is Dytech. This lack of availability has caused my contractor to cancel and break contract and negotiations. I am now suffering abuse at the hands of the contractor. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I started a mortgage application with BOA because they solicited me about possibly reducing my current mortgage rate with them. I am a current mortgage holder with BOA. We went through the entire process and got to the end where we were setting a closing date and they asked me if my home was on the market. I said yes and they said we can not continue. Why did they not ask this at the beginning. They advised me to take the home off the market which I did for 6 months. Then 6 months later, we started again, had the appraisal redone and then they declined me because I had business expenses on my American express and my income could not validate the charges. I have been a XXXX for 16 years and have had my XXXX since XXXX with no late payments. I get reimbursed for business expenses. They declined me again and I put the house back on the market. I voiced a complaint several times and they would not contact until I threatened to make a formal complaint. Then they said we need additional info to process the mortgage and I gave it. Then they said we can not refinance when your home is on the market. take it off the market again for 6 months. This has been a bait and switch since the start and cost me money and time I do n't have. BOA is so unprofessional. Now over a year later my re-fi still has not been done. Not to mention I had to XXXX them every step of the way to get anything done. I think they did not want to give me the lower rate at all. They are happy to trap me in at their higher rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a cruise on the XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. While on the cruise, I purchased artwork from Park West gallery. I purchased artwork on XXXX XXXX totaling {$250.00}. I then purchase additional artwork on XXXX XXXX totaling {$420.00}, for a grand total of {$670.00}. 
I received a bill from GE Capital Retail bank ( the bank ) in XXXX XXXX for a total of {$480.00}. The total sum was covered by a promotional deferred interest on the balance if paid in full by XXXX XXXX, XXXX. The current amount due was a minimum payment of {$25.00} by XXXX XXXX, XXXX. 
A payment of {$30.00} was made on XXXX XXXX, XXXX and successive payments of {$30.00} were made no later than XX/XX/XXXX through XX/XX/XXXX. A payment of {$330.00} was made on XXXX XXXX, XXXX, representing the full balance due. I received a statement from the bank in XXXX, XXXX, indicating that the balance was now XXXX. 
Nearly a year later, I took cruise on the XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX. Upon checking my XXXX XXXX ( XXXX ) XXXX after the cruise, I noticed a charge of {$180.00} to XXXX dated XXXX XXXX, XXXX. As we did not purchase any artwork on this cruise, I immediately contacted XXXX and disputed the charge. XXXX removed the charge, however, I received a letter from XXXX XXXX XXXX/Synchrony Bank ( Synchrony ) dated XXXX XXXX, XXXX indicating that they were investigating the disputed transaction. 
I received a bill from XXXX in XXXX, XXXX, indicating that I had a {$180.00} balance due from a transaction dated XXXX XXXX, XXXX. As I did not make a purchase on that date, I did not make any payment. Apparently, it makes no difference to Synchrony, since I am still receiving bills from them with ever increasing interest amounts for a purchase I did not make. After checking my receipts, I now realize that the bank made a mistake on the amount owed in XXXX, however, I am appalled that Synchrony tried to charge my XXXX account over a year later without authorization or notification that there was any outstanding debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX Bank Student loan. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying XXXX dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been dealing with this for years. I filed bankruptcy in XX/XX/XXXX. Several lenders reported falsely for some time which I finally was able to get corrected except for one lender. This lender would report false info and I would dispute it and then it would be corrected. I at a later time would then find out they reported the removed info again and I then would dispute it again and again it would get updated. Again I just found out they reported last month again using the previously erroneous info that was removed after I disputed it. I again filed another dispute today but I am getting tired of this game. This erroneous reporting is lowering my credit score. This is how I found that they did it again. I got informed from credit watch that my score dropped for no known reason. I pulled my latest credit report today to find XXXX has again reported the previously removed info showing a balance due and that the account is past due. They again changed the account closed date to XX/XX/XXXX when it was closed in XX/XX/XXXX and they are reporting that the account was re-affirmed after bankruptcy which never happened. Not only is the info they are reporting wrong it is an outright lie! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX, I defaulted on a credit card with XXXX XXXX. I was out of work and unable to make payments. The account was sold to XXXX XXXX and I was able to bring the account current. in XXXX and make payments, when I could. In XXXX XXXX, I was advised by a representative at XXXX that if I paid a settled amount, they would do a pay for deletion. They advised me that once payment was recieved, they would clear my credit bureau of the collections as well as contact the original creditor, XXXX XXXX, and have my credit history corrected. I made the payment and was advised that in 30 days, the update and deletion of my negative information would reflect on my credit bureau. As of today, it has not. I have made numerous calls to XXXX and everyone there states they will not be removing the negative information. They " apologized '' for the misinformation from the representative that advised me of this. I have also contacted XXXX XXXX and they have advised they were never advised of this practice that XXXX lied to me about. I have disputed with all XXXX bureaus and XXXX will not removed. I have also sent numerous letters to them and either I get no response or a letter stating that the information will not be updated. I feel as though XXXX lied to me in order for me to pay off a balance in full. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/2016 I made an agreement to settle my credit card account with XXXX XXXX bank ending with XXXX in the amount of {$4000.00} and have the account paid in full with XXXX balance. I made the payment on the XXXX/XXXX/2016 and waited to see the update on my trans union credit report. The update was made to my credit report showing a balance of {$5600.00} which is wrong. I am excepting to see acct is settled for less and XXXX balance. I disputed the issue with Trans Union, but it resulted in reporting even the entire original owed balance of {$9600.00}. It caused me a score plunged XXXX points. another dispute was not possible through the credit bureau. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have reviewed my credit reports from XXXX and Transunion and they are reporting incorrect information such my name, missing employment status and the name of my employer, incorrect accounts, incorrect balances, age of credit, auto loans, an relating my name and social security to a person I have no relation. 

This affects my overall rating, access to credit, interest rates, among other information frequently used for background check. I notified my inquiries to them but no change has been made. Their lack of ethical practices is damaging my credibility as a trustful credit, I need to have them fix the reports to show what is really my income sources and creditworthiness as well as avoid potential identity theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance. 

Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances. 
While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union Shows this address and its not my Address. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have a billing dispute regarding my XXXX credit card ending in account number XXXX. While the dispute is under investigation, the bank reported my account negatively to the credit reporting agencies. Can it do this? No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. The problem here is I never received a statement from XXXX to make a payment on time and therefore they placed a 30 day late on my credit reports which when disputed should not be allowed, see below. 

A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this item several times XXXX XXXX XXXX XXXX This account has a XXXX that is past 7 years old. Experian is violating my rights and violating the FCRA laws. Please help assist me with this complaint. My next action if not resolved will be contact my local State Attorney Generals office. 

Company response: Company chooses not to provide a public response
Consumer complaint: Related to previously opened case regarding Citi card with unauthorized transactions. Was unable to make contact with executive response office again after submitting requested documents via their email address. This is about a billing dispute. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Been working with my realiter and the bank on a short sale for three years. When the bank switched names they stopped the process and we lost the buyer. We submitted more paperwork ans now the bank is refusing to look at the new offers we have on the house ans is trying to let it go ro a sheriff 's sale. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish be part of the Ally settlement which ended on XXXX/XXXX/15. I contacted the settlement administrator at ( XXXX ) via email at ( XXXXXXXXXXXX ) and informed them that I just learned about the settlement and never received a package because I moved from the addresses it would have been mailed to. They told me there was nothing they could do and I think this is unfair and should be reconsidered based on my circumstances. My husband and I had several loans with Ally and wish to be compensated. I have written proof my XXXX loans with Ally and they will be attached to this complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice, the stroke of a key, this company and any other company should only have 7 days to process that data. 
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that, they should be forced into posting any updates in under 7 days and be forced to update there software to do this for them. 
They should be making themselves more accountable for timely accuracy instead of rules and by laws to protect themselves. Someone might say " well you should not have got your self into this situation ''. My only reply is that 's history because today I am getting my self out of the situation and TransUnion just cost me over {$400.00} in getting a loan that was assisting me in taking on my financial responsibility. Both Equifax and Experian excellently up dated the same information that day while on the phone with them or with in 2 or 3 days of my paying all my debt off. 
sincerely XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This bill was for a hospital medical emergency service of my child, who has medical insurance.The entity making this claim has failed to properly bill the correct medical insurance with the correct billing information, despite my attempts to ensure proper billing and payment by my insurance. According to my insurance they need to re-bill with the correct information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was charged on a XXXX NSF fee because my account was overdrawn {$0.00} cent due the Bank of America moving the {$0.00} to the other account from the Keep the Change program. When I called into the Bank on XXXX XXXX I spoke with a lady and she said that I will reverse the XXXX fee because the amount was less than {$1.00} and due to the system being slow the refund should credit my account by XXXX. But XXXX had came and gone and the funds had not credited my account. I called back and used the chat system to inquiry about the funds and was then told that I would not get a fee reversal even though the fee was caused by an amount less than XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The now defunct GreenTree Mortgage Servicing, in addition to having wronged us in all ways you made judgements against them in XXXX 2015 ( which we did not know about until today ) continues to report our old mortgage as delinquent and unsettled to the credit bureaus, two years after the sale of our home and AFTER sending us our PAID IN FULL stamped documents. We made 12 years of on time in full payments to them and I ca n't get anyone at Ditech, who bought them, to help us. We just want it off the credit reports. It 's our only black mark and its trashing our scores. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a Bank of America ( bank ) customer. I received an offer of a credit card which stated that my application for this credit card will be without any impact to the credit score. However, a hard inquiry was made against my credit file maintained by the credit reporting agencies. This hard inquiry diminished my credit score by few points. I asked the bank to remove this inquiry and they refused. I have attached a copy of their offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX XXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. Experian still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide. 

Company response: Company chooses not to provide a public response