milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX 2017 my wife and I signed a contract with XXXX XXXX XXXX  XXXX to remodel our custom oak kitchen. The work was to include refacing existing cabinets and installing new doors and drawers, countertops and backsplash. We charged {$20000.00} thru XXXX XXXX card. The contractor has still not completed our work. Also the work that has been completed is unsatisfactory. We made several attempts to solve this matter with XXXX and have been ignored and left waiting for people to show up that never did. We have paid the {$20000.00} in full ( because interest free term is up next month ). We filed a dispute 2 times with XXXX XXXX/CitiBank and have been denied both times. We even asked them to send inspector to validate our claim. They chose to believe the contractor 's word. We have found out multiple people have filed the same dispute and were denied as well for the same reasons. Please take the time to review our case. Both XXXX XXXX and XXXX XXXX has our money and we have an unsatisfactory and unfinished kitchen. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 07/18/2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account is with Progressive which shows the original creditor as   XXXX   XXXX  . I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had health insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Progressive has the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two accounts on my credit report by XXXX XXXX. I dont have ANY contract or transaction with this company nor have I authorized any transactions to be transferred to this company. The account information on both of these accounts does not show my COMPLETE and ACCURATE information as required by the FCRA. It does not show my social or date of birth therefore it ca n't be verified to be an account owned by 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 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have attempted to dispute information with Experian regarding what is on my credit report. I was told I was unable to dispute the balance on my report for my car loan and I would have to contact the lender for corrections. I indicated the other agencies have the correct balances and she said she still could not contact the creditor. I also told her I wanted to dispute the fact that my student loans are deferred and she said they are going to list open until they are paid off. I told her it appears that I have more accounts open than I actually do. I also wanted to dispute that charged off accounts purchased by other firms or transferred do not indicate that and it looks like I have XXXX negative accounts when in fact it is only XXXX. She said I do not know why your copy does not indicate transferred but it shows transferred on her computer. I thought what the consumer received was supposed to show accurate information and whatever was not accurate should be corrected. Experian appears to do anything and everything to avoid interaction with consumers. It is extremely difficult to speak to someone and then when you actually speak to someone they act as though they can not do anything for you. They offer an online dispute process ; however, they do not provide a means to actually submit an online dispute. I obtained my credit report and wanted to submit an online dispute but was not provided with the necessary confirmation # on my report to file an online dispute. So not being allowed to file an online dispute I had to call and do it over the phone ; however, everything I attempted to dispute was argued that it was not disputable. None of this is professional or appropriate when credit bureaus control every aspect of the lives 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 11-03-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit determination

Complaint: I applied for a Chase credit card and was told that I was denied when I called. The reason for denial given was because I have a charged off credit card with chase. I have never had a chase account of any sort. The rep on the phone was unable to give me more details other than what she provided. 

My social security # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX I was told my new mortgage payment effective XXXX would be {$630.00} based on a loan balance of {$100000.00}. On XXXX I made a payment of {$22000.00} to reduce my loan balance to {$86000.00}. Despite this payment, Greentree claimed that my mortgage payment would still be {$630.00} despite the reduced loan balance. I have spoken to Greentree XXXX times only to be told " they would look into it '' but that I still had to pay {$630.00}. On XXXX XXXX they sent me a letter saying that " my account has been approved '' but that I have to continue making the {$630.00} payment until I hear from them. I have never missed nor made a late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


CITICARDS CBNA # XXXX PO BOX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS ACCOUNT OF XXXX MORTGAGE IS NOT MINE, I DISPUTED THIS ACCOUNT MANY TIMES AND DO NOT DELETED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with Capital Accounts, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: 360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is the rental management company for the apartment complex XXXX that i signed a 1 year lease with and set up auto debit for rent payments. they served me with a 3 day notice to vacate due to non payment. after i proved they had debited my account for the rent the property manager XXXX called me and insulted me and called me names and let me know i was n't welcomed there anymore. so i moved out due to a tremendous amount of XXXX and anxiety they caused me.now they are charging me for the amount of time it took them to rerent the apt.they reported me to the collection agency ncc business service in XXXX fl

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 09-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We have attempted to modify our home loan with Bank of America, only to be told for the XXXX time that our investor XXXX will not allow modification of the Loan, the process has been very stressful, and I know that we are not alone in this. Please Help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not have the documentation to confirm that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying extra down on my principle every month ( above the required minimum monthly interest and principle payment amount ), but it appears that my payments are partially disappearing against the principle. I have requested additional information on " unpaid interest and fees '' that appear to accrue on my statement every month to no avail. The amount is higher than the actual interest can be possibly accruing. I would like support to understand what actions I can take to locate my lost payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is a continuation of my complaint, XXXX, where I provided documentation showing multiple payments were not credited accurately on my credit report. 

Capital One responded back via this portal as follows : " Although we have received payments on your accounts on or around XX/XX/XXXX and XX/XX/XXXX, many of these payments did not satisfy the full minimum payment due, or were not received. Ive enclosed a copy of your statements from XX/XX/XXXX to XX/XX/XXXX for your accounts, which shows the minimum payment due and the payment received. '' The problem with this response is that it fails to acknowledge the agreement Capital One provided to me during that time in effort to catch up on my balance. 

The agreement stated that my account would be made current once I made three consecutive payments for a specific amount on each of the three cards. The response quoted above suggests that I was not credited for making payments for the months in question because I " did not satisfy the full minimum payment due. '' However, the true " full minimum payment '' was determined by the agreement and not by what was listed on the statement. In order to reinstate my Capital One accounts, I HAD to make the full minimum payment as defined by the agreement, for which I did, evidenced by the fact the accounts are now in good standing. 

Once again, I request Capital One update my credit reports accordingly to reflect my XX/XX/XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: TSI has failed to communicate with me the balance of the account, what fees I am being charged and why. I have sent letters, contacted people ( specifically XXXX XXXX, because she deals with people once they complain ), I have been told that the information I have asked for has been sent to me ; however, even with the correct address the information fails to reach me. This is a shady company that is not verifying why they are taking what money for. In the last CFPB complaint I filed they did post a payment and charge statement ; however this never disclosed the balance, what fees were being charged. They are only allowed to charge XXXX % as I have been told by TSI employees and XXXX employees. This company says they can change what is allowable by the credit agreement, but failed to send me a copy of the credit agreement, as well as the agreement between them and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing , LLC is XXXX of the worst companies I 've ever dealt with. After being assured that I was approved for a loan modification, Green Tree kept requesting the same documents over and over. I submitted at least a XXXX packets of the same exact documents, only to be told they were never received, at which time they started foreclosure proceedings. 

They also harassed and threatened me many, many times on the phone, sometimes up to XXXX phone calls per day, often swearing at me over the phone. They also contacted my family members by phone and threatened them, as well, giving these XXXX parties information on my Green Tree debt. 

I thought XXXX XXXX XXXX customer service was bad, but when my mortgage was sold to Green Tree, I learned that their practices and customer service are XXXX times worse. My account representative, XXXX XXXX ( XXXX, ext XXXX ) was not only disrespectful and harassing, but she would not give me the information I needed, including the amount due on my mortgage. She also hung up on me many times. 

XXXX XXXX also insisted that my AUTO insurance was part of my escrow balance. I knew this was n't true and called my auto insurance company to confirm. When I called the office of XXXX XXXX, president of Green Tree Service, LLC ( XXXX ), I was given an amount due to bring my account current. I called again to confirm that the amount was correct and was given a different figure. They then insisted on transferring me to XXXX XXXX, who again, would not give me any info or payment options to bring the account current. 

I 've dealt with other Green Tree representatives, as well, and both XXXX XXXX and others noted that nonpayment of my mortgage could result in arrest or imprisonment. Green Tree pressured me to use a payment system known as XXXX, a pay-by-phone service that charges {$12.00}, even though other payment options were available to me. 

The level of incompetence of Green Tree representatives is shocking, and I hope that steps are being taken to make this situation right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continues to collect and litigate despite dispute as to liability in violation of the CFPB 's Join Consent Order against XXXX ( FDIC-XXXX, FDIC XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Taking out the loan or lease

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 public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: a company called portfolio recovery has been calling my number virtually every day since 2006 if not longer. My son has asked them to stop calling and I have done the same. When my son warned them of the laws, the calls stopped for a few weeks then began again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I bought a phone from XXXX. The contract states if I return phone within 3 days then I will not be responsible for any fees whatsoever, talked to XXXX 8 to 10 times each of which I was told I did not owe anything and my 50 dollar deposit would be returned. Never received deposit back and they have been illegally reporting this as I returned phone within 3 days and have proof of return by XXXX receipt mailed back within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As of XX/XX/2018 the information shown on my credit report is not correct. This account was reported as cancellation of debt on XXXX in the amount of {$670.00} but yet shows on credit report as past due and and balace with all three credit bureaus. The account is with 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 07/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: forclosure pushed. for about a year, was doing modification re ; loan ( # XXXX / XXXX ) There are XXXX. Modification wanted for the large loan and they were supposed to modify it since the small loan is current. THey took more than a year requesting documents over and over, making it difficult, very diffiuclt. Then they started pushing for foreclosure when it should and could have been avoided. They refused payment. I do n't want to be involved in corruption, so I wrote them letters, about it. Loan numbers / accounts appear to have issues re ; OCWEN switched the modification request to a loan with them that did not need modification. I have about XXXX pages of modification application information re ; the numbers being switched around. The one that need modification is the large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other transaction problem

Complaint: Opened a checking account with Capital One specifically to fund purchase of crypto currency but effort to transfer money into my virtual wallet was blocked and denied by Capital One. I want to spend my money.

Company response to consumer: Closed with explanation