milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit card () with CITIBANK, N.A. (DE).
Issue: Other

Complaint: I got a letter for citi card dated XXXX/XXXX/16. In it they stated I was being issued a refund for " certain expedited payment fees previously paid for making a payment over the phone ''. I have two issues with this. Firstly : 1. there was no statement sent reflecting exact time in question. I do not know if its the rightful amount and 2. if indeed the money I paid was & {$14.00}, there should be interest compounded on said amount. According to the letter, the time cover XXXX XXXX 2009 to present. Were is the interest on my balance for the past 8 years. if I had owed Citi ( Department Store National Bank ), I would have been charge interest along with late payment fees. So I think its only fair they pay interest on money that they held for me for over 8 years.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcies and tax liens & judgment that are incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm with green tree and recently at XXXX. My last payment for the yr. Was due and payed on time how ever green tree also put XXXX XXXX payment on this statement as well but the math did not add up to, XXXX payments in the amount due box on the paper statement the payment for XX/XX/XXXX was on the statement for XX/XX/XXXX but on the far side of the statement were your eyes do n't look when your use to seeing the same thing all the time. i did not catch this until I received my mortgage bill for XXXX. I was hit with late fee 's and was basically made a fool of over the phone when I was told both my payments XX/XX/XXXX and XX/XX/XXXX were due on XXXX bill. And that basicl " it didnt matter if i missed a payment for XX/XX/XXXX. I have to pay them regardless if i recive a statement our not '' .the information I was told I needed to send for a request of all the info I wanted to inquire about, to resolve the issue I never received any info or a denied response with reason. I payed all dept. Due in full plus The Late fees. I 'm still being charged late fees I 've write on the statements and stated that the billing is wrong and all late fees from the incidents have been payed green tree will not fix there mistakes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: On   XXXX     i submitted a complaint with CFPB regardingg my  Kohls  store card. Complaint #  XXXX  with the CFPB. The response fro m Kohls state s that I have voluntarly requested paperless statements, and that my account is available online. I have never been issued a cc statement, only a notice that my statement was available online. However since the date of opening the account, i have never been issued and physical CC. I am able to make purchases in store when i provide a copy of my DL and enter my SS # in the card reader. Since i do not have a physical copy of my card, i have never been able to access the company website to pay my bill. This has never been an issue, since I usually pay my bill in full as described in Kohls   XXXX   XXXX   response to my compaint.  Kohls  also note that My email address is   XXXX  when it is in fact  XXXX  XXXX  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I WAS TRYING TO BUY A NEW CAR AND THE CAR DEALER TOLD ME MY CREDIT SCORE was too low to get the best deal. It ended up costing me at least {$3800.00} more dollars! I HAVE ALWAYS HAD A HIGH CREDIT SCORE. XXXX AND XXXX HAVE RUNIED MY SCORE. THEY ARE OWNED BY THE SAME CO. THEY DO NOT ACT LIKE OTHER COMPANIES THAT YOU HAVE BEEN WITH FOR YEARS.THEY DELIBERTLY TRY TO UNDERMINE YOU. I AM XXXX YRS OLD AND HAVE SPENT XXXX XXXX YEARS BATTLING A CONDO I BOUGHT THAT DID NOT HAVE A WORKING XXXX. I HAVE NOT BEEN N MY HOME FOR OVER XXXX MO THIS TIME. THEY CALLED TOSAY I HAD NOT PAID A BILL. I SHOWED I DID AND WANTED TO PUT IT IN DISPUTE FOR I WAS LATE TO A MEETING AT MY HOME. THEY DID NOT. THEN THEY DID NOT SEND A BILL I REQUESTED ANOTHER ONE AND PAID ON MY COMPUTER SAYING IT WAS ONTIME. THEY MARKED IT THE NEXT DAY AND MADE ME LATE- SO XXXX 30 DAYS LATE THE OTHER 60 DAYS LATE. I WOULD NEVER USE THEIR CARDS EVER AGAIN BUT EVERYONE TELLS ME INCLUDING THE CAR COMPANY THEY DO THIOS TO EVERYONE. THEY NEED TO BE STOPPED. IF YOU LOOK AT MY SCORES WITH ALL THE OTHER COMPANIES THEY ARE ALL PAID IN FULL EVERYTIME. WHY WOULD I NOT PAY THEM? PLEASE GET THEM STOPPED. AND THEY ENDED UP OWING ME MONEY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Credit card debt) with Messerli & Kramer P.A. (WI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Your announced actions on XXXX XXXX XXXX VS XXXX XXXX XXXX sounds like the issues with XXXX XXXX XXXX in their case filing of XXXX XXXX XXXX in Wisconsin. 

The attorney XXXX XXXX filed an affidavit with false and misleading claims. 

1 ) They have a file and computer system that only outputs true, complete and accurate information.
2 ) The account they are trying to collect on has been in existence from XXXX. 

I do n't believe the firm has a magic file cabinet of truth or a computer system of such. And I have 1st hand personal knowledge - the account from XXXX was cancelled by the claimed creditor XXXX XXXX when it had a {$0.00} balance, only one historical overdue payment, and a history of non-use for months before cancellation. The last 4 digits the firm submitted with a document from a XXXX date showed a different last 4 digits VS the claimed last 4 digits which had been the account number from XXXX. 

The XXXX action noted how review of the account was needed before filing and a review would have shown a lack of activity from around XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Since XXXX XXXX, XXXX I never received any medical bill i live in XXXX XXXX, and now i am owing total {$2400.00} in medical bills that could of been charged to Medical since I just recently got approved for Medical in XXXX XXXX, Medical would n't do anything. i suddenly receive phone calls about the medical bills totaling that amount and asking them to release the phone number and information they refused to release phone number for ambulance and City of montebello paramedics, I am trying to get financial assistance for XXXX XXXX i have no income, just recently approved for foodstamp and trying seek a job and original amount owe for XXXX is {$1.00} XXXX and XXXX is {$350.00}, CMRE never told us any information regarding any debt collection or no mails ever received

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 FILED CHAPTER   XXXX   IN  XXXX . AFTER 7 YEARS  XXXX  AND  XXXX  REMOVED FROM MY CREDIT FILE. IN  XXXX  AT THE 7TH YEAR MARK EQUIFAX PLACED ON MY CREDIT FILE AFTER 7 YEARS OF NOT REPORTING. I ASKED FOR THEM TO REMOVE THEY STATED WILL STAY ON FOR 10 YEARS. WHILE THE OTHER   XXXX   BUREAUS HAVE REMOVED FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Billing disputes

Complaint: Near the end of XX/XX/2016, my XXXX credit card was reissued by as a MasterCard by Barclays Bank Delaware. Prior to the conversion date I had reported suspected fraud to XXXX on a secondary card on my account, in the name of my sister XXXX. They immediately a issued a small credit, and were investigating the balance in question, {$2900.00}. XXXX was working on this when Barclays sent me a new card, and billing statement which INCLUDED the disputed amount with XXXX. I immediately started calling Barclays, and informed them that this amount was in dispute ; they promised to look into it. They did not call back, even after I sent a list of disputed amounts ; I subsequently called numerous times, every month, speaking with " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', and " XXXX ''. Each time I was told they would resolve it and call me back. That was in XXXX, and I am still waiting for a call back. In the meantime, they keeping billing me for the amount in question, and interest every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I see that now Fed are suing Navient which is one of my school loan providers are being sued for not taking complaints and working with us to have assistance in lower the repayments of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. XXXX will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from EXPERIAN! XXXX account needs to be PERMANENTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : XXXX, XXXX AND EXPERIAN!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!

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 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX bank this not mine # XXXX so please remove from all XXXX reports thank you.

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 09/13/2017 about Debt collection (Other debt) with Quality Asset Recovery LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Quality Asset Recovery ( QAR ) repeatedly calls my house but ask for a different person ( same last name incorrect first name ). Then QAR reports to XXXX that I have a {$1500.00} Installment loan which they claim originated in XX/XX/2015. I have never taken out any installment debt of any kind. This debt is someone else 's, yet they claim the debt is mine and now my credit is ruined.

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 02/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is not working with me at all! I have filed charges before and all they do is send me copies of past modified they have done! they have tried to sale my house from under me! Saying they sent letters to me which was untrue! I have showed extra income needed and they still wo n't help! This has been going on with a very large past due owed on my little house and the appraisal is n't for a legal duplex all! Someone wants my house badly enough I will do whatever it takes to save my house! These banks take advantage of people and it 's not fair! Help me please! XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a recent graduate of the University XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. I applied for a Sallie Mae XXXX study loan in XXXX. I was approved with a cosigner. After approval, Sallie Mae needed my cosigner to electronically sign the note. My cosigner was unable to electronically sign due to an ongoing error with Sallie Mae 's website. We requested a paper copy of the paperwork be sent. Sallie Mae sent my cosigner documents which he signed and sent back. I was then informed by Sallie Mae that the paperwork they had sent was the wrong paperwork, and that they would need to send the proper forms. Despite informing me that the forms would be put in the mail multiple times since XXXX, nothing ever arrived to my cosigner. I call Sallie Mae on a daily basis and am shuffled around and transferred to multiple people, who seem unable to send out a simple form. It is now two months later and I am still waiting to obtain the funds from my loan. I am repeatedly promised that the problem is being handled, but no one has resolved this simple issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen loan servicing , LLC assumed my mortgage from homeward mortgage, and this resulted in a late payment charged to my account. I been trying to get this payment removed through them for three or more years. they have reported this to the credit bureau and effected my score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax wo n't investigate an account and summarily responds with verified even while the account keeps fraudulently changing to remain on my report. I have called and disputed this multiple times to no avail. When I ask why the date of first delinquency has changed so as to remain on my report longer Equifax just offers to re-investigate and then sends a letter with the same response that the information has been verified  ( no explanation as to how or what that means ). I  am providing copies of an old dispute response from Equifax highlighting previous information reported along with a copy of what is currently showing on my report marked in yellow to highlight the discrepancies and to showcase how Equifax is knowingly reporting false information. In my old report the full history of the account appears, along with a much earlier first date of delinquency. In my latest report, the account history has been deleted and multiple inaccuracies appear, not least of which is that the date of first delinquency has been reported as MUCH later. This has been changed in order to keep the account showing on my report. Equifax is clearly not complying with applicable fair credit reporting laws and I will be hiring an attorney as my financial well being is severely hampered by the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to AD Astra Recovery Service and their client XXXX XXXX XXXX After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Citibank obtained my credit report without my authorization. I requested a credit line increase on XX/XX/2016 through Citi Online self service. At the time of my request, a disclosure explicitly stated and I quote, " It 's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' Therefore, I went ahead submitted my request and received a confirmation email the next stating my request has been received and will be reviewed. I 'll be contacted with a decision. Several days later, I noticed my credit line has been increased. This happened without further communication from Citi. Earlier this month, when I was reviewing my XXXX consumer report, a hard inquiry dated XX/XX/2016 was placed on my credit report by Citi. I consider this an unauthorized since Citi stated explicitly a credit report would not be pulled and I did not provide my authorization for Citi to do so. This could potential prevent me from obtaining other financial products or receiving a higher interest rate than I would without this inquiry. I 've contacted Citi several times and was placed on hold and transferred with extended period of time with no solution provided. Eventually, I was asked to send a letter to a PO box in order to have this reviewed. I do not feel the burden of proof should be on me since this is clearly an error by Citi. I would like to leverage the assistance of your agency to have Citi resolve their error and the inquiry removed from my consumer report as soon as possible.

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 01/31/2017 about Debt collection (I do not know) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello I have mailed a debt validation request to ERC due to the fact that they have placed a collection on my credit file for a possible fraudulent account. I have no knowledge of this account. I have not received any information via mail regarding this debt and they have placed it on my credit report. I am in the process of gathering more information to file a police report since this account is not mines. Again, this company has placed a collection on my credit file without sending me any type of notice and I became aware of this because I received an alert via XXXX. I need this account removed from my credit file and information sent to me via mail. I have sent a certified letter to the company asking for this information. I have also attempted to call the collection company and they have been very rude and not helpful and keep hanging up the phone on me. I am requesting that the company removes this debt out of my credit file. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (LA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I paid on line my Citi Double Cash credit card via withdrawal from my XXXX XXXX checking acct. On XX/XX/XXXX my XXXX XXXX checking was hacked and the checking acct. was frozen. The payment was stopped by XXXX XXXX going to Citi. I have kept Citi updated by telephone daily and have wanted to pay my balance that I owe Citi.They keep telling me the computer will not allow me to pay the balance previously sent in on XX/XX/XXXX. Today they told me I would not be allowed to pay this balance until XX/XX/XXXX. I am afraid that on XX/XX/XXXX they will have another excuse why I can not pay the balance I owe and I will incur a late penalty and interest on the balance owed. All I want to do is pay what I owe Citi

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: When I started paying on the loan to  Navient and  was unable to pay the full amount because of going through a financial hardship, they didnt give me the option to have a lower payment. When they finally told me about it and my loan went into forbearance it accumulated so much interest making it even harder to pay off. So no w Im s tuck paying off interest

Company response to consumer: Closed with explanation