milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I went through a divorce this past summer. My ex husband was paying the bills but come to find out when he left I was behind on my mortgage. When I got noticed of the sale date XX/XX/ I was shocked to find out what was going on. I'm not able to come up with the full reinstatement however I'm able to afford the contractual payments. I submitted a modification package and I've been following up with Ditech and the foreclosure attorney daily to get updates. On XX/XX/ Ditech advised me that a request to postpone the sale was sent to the foreclosure attorney and the mod package was sent to the investor. You can verify this call if you listen to the call that took place on XX/XX/. TodayXX/XX/XXXX I call Ditech and was advised that they will not postpone the sale but they still have a complete mod package. I feel that Ditech should honor their word and postpone the sale to allow the underwriters time to review my modification request.I feel that Ditech is holding up the review so they can take my house away from me. I'm requesting help and need assistance. Please listen to the calls because Ditech tells me on every call that the call is being recorded. They should honor their word and postpone the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/XXXX at XXXX Eastern Time, a fraudulent transaction was applied to my credit card account with Citi . This transaction was from XXXX in XXXX XXXX. I called Citi within 1 hour of the charge and told them that I was not in XXXX XXXX and that I did not authorize any charges from XXXX. I am a US Citizen and have had my credit card with Citi since XXXX XXXX and never have I used it internationally. However, Citi did not block this transaction. When I called the customer service hotline and informed Citi 's representative that this was fraud, the representative cancelled my card and issued me a new one. On XXXX/XXXX/XXXX, I received my new credit card however the fraudulent transaction was still on my account. I called Citi again, in the morning, and spoke to a supervisor who then called XXXX, confirmed that the fraudulent transaction was indeed fraud and not made by me and then told me that the charge was removed from my card. When I checked my credit card account later that afternoon, the fraudulent transaction was still applied to my account. I spoke to another supervisor, XXXX from Citi 's Missouri office, and she was absolutely no help and very unprofessional. She told me that I would have to wait a week for the fraudulent transaction to come off of my account. This fraudulent transaction is for approximately {$750.00}. Because of this charge, my newly issued credit card is unusable and I have XXXX available credit. According to Citi 's customer service supervisor XXXX, I have to go without my Citi credit card for 1 week because of fraud that Citi refuses to remove from my account. Again, I have never used my Citi credit card internationally, I have never paid late, I have never been over my credit limit, but Citi 's internal controls did not block a charge that originated in XXXX XXXX and they refuse to remove the fraudulent charge, even though I reported it as fraud right away. This is absolutely ridiculous that I have a credit card that I can not use and Citi is penalizing me for ( obvious ) fraud. Citi supposedly offers XXXX liability for fraudulent charges but here is a case where there is obvious fraud and Citi will do nothing about it.

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 04/21/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A circuit court public record #  XXXX  popped up on my Equifax credit report TODAY  XXXX   XXXX ,  XXXX . The account shows a report date of  XXXX   XXXX . I have received several credit reports directly from Equifax in  XXXX  and this erroneous public record has NEVER been on any of them. I have no knowledge of this public record and Equifax is reporting this negative account a year later. Equifax has a section designated for public records, and this public records did not report as of  XXXX   XXXX . We are in the year of  XXXX , I have no knowledge of this year old account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (WA).
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: This is a resubmittal of additional information related to Complaint # XXXX. 

Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX. 

I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back. 

I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation. 

1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX. 
2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Money was not available when promised

Complaint: www.consumerfinance.gov Here 's the situation, and PayPal has been doing this to be MULTIPLE TIMES! 

I was sending {$53.00} via transfer to my husbands PayPal account from mine PayPal account as PayPal does allows for all people, to have multiple accounts they are now withholding my funds and the time to purchase the anniversary item is running out of time! 

Please contact them release the funds NOW so I can purchase! 
If I have to I will start a class action against them as I am already on the " XXXX PAYPAL '' CASE which could be a reason why they keep targeting me. 
I wanted this for anniversary gift : PAY PAL IS BOTH " FRUADING '' AS WELL AS " SCAMMING '' PEOPLE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: I had a checking account that was set up to auto pay a mortgage I was on with my ex-wife. We divorced and she was deeded the home. At that time ( XX/XX/2015 ), I canceled the auto-draft and my ex-wife opened a new account and set up the mortgage payment from that account. They continued to pull from my account so I closed the account and opened a new one. I noticed the payment was still coming out last month and after further research discovered it has been coming out for 1 year for a total of {$4900.00}. They have continued to pull the payment from my ex-wife 's account as well for a double loan payment monthly. All of these accounts are with Wells Fargo including the mortgage. I have spent countless hours on the phone only to be told today that they are unable to help me in any way. I never signed an authorization to have the payment pulled and even opened a new account to ensure the payment would not continue to come out of my account. The only way they would have been able to pull the money ( since my name is still on the mortgage ) is by right to offset, however the mortgage has never been past due to warrant the debiting of my account. They are saying there is nothing they can do and I will lose the {$4900.00}.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello, thank you for any help that yo u may be  able to provide. I have called in to trans union and have asked that info be updated properly. I called into trans-union and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, customer service would not help and take care of the negative inquiries reporting to my credit report. Please help, I am not getting anywhere. The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX XXXX 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 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquires listed through a company named XXXX XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one 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 explanation
Consumer complaint received 03/20/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit determination

Complaint: Macy 's DSNB has deleted a payment history on all credit bureaus, even though there would have been one as far back as XX/XX/XXXX. They state that the first delinquency was XX/XX/XXXX, whereas the drop off date for removal with all pertinent credit reporting agencies would be XX/XX/XXXX. The account was discharged from a Chapter XXXX bankruptcy petition. However, there are ten ( 10 ) years of payment history deleted from the credit bureau, and I make a claim that I was at least 30 days late several times before the inserted XX/XX/XXXX. Accordingly, I believe that I am well within the 7-year rule timeline for the removal of obsolete information and the account should be deleted immediately and permanently. DELETE THIS CREDIT ITEM!!!

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 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report is showing a sync XXXX credit card which I do now own or have in my possession. This is not a card which I own or use and do not know why it is showing on my credit report.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid  {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

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 04/17/2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous collection calls on my home phone from an American Express collector. I called American Express 3 times and requested my number be removed as I do not have an American Express card and informed them they are calling the wrong number. Each time they assured me the number would be removed. About 3 weeks later I received two calls from American Express in which the " Senior Account Manager '' left a message specifically stating the name of the person they are collecting against ( no one related to my phone number ), personal/sensitive information about the debt this individual owes, information that this person has ignored their calls, and threats against this person regarding additional collection steps if their call is not returned. I called back this collector 's direct line today and told him again that it is the wrong number and that they should not be leaving personal information about anyone on an unknown number. He did not apologize and only stated again that the number would be removed. This agent was very rude on his messages and while speaking with me. It is not legal to leave personal information about a person 's debt on a voicemail machine, one that is not even related to that person! I hope that this can be looked into further and addressed promptly to stop it from occurring. Providing personal, private information regarding a person 's debt on an unverified voicemail should never be done. There was not even a warning on the message that this information was from a debt collector or that I should disconnect if not the correct person. That is VERY WRONG. The direct line for this " Senior Account Manager '' is XXXX. He should not be allowed to continue his work in this field. I had always thought American Express was a reputable company until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Debt collection (Federal student loan) with COAST PROFESSIONAL INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is telling me that in order to get out of default, they figure repayment plans with gross income and family size only. They wanted {$800.00} a month, plus the {$610.00} out in wage garnishment. The federal student loan website that a rehabilitation plan must be a " reasonable '' amount. I do not think this is a reasonable amount and would like some help with getting out of default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For over 3 months I have been receiving frequent calls from XXXX which internet searches reveal is coming from " Diversified Consultants '' debt collector. They do not leave any message, nor have they sent me any documentation to my mailing address. If they have my phone number, which I have never provided, they should have my mailing address as well. The calls I receive have been at all hours of the day, including weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This company closed my account arbitrarily in   XXXX   XXXX   soon after I opened it based on their relationship with a family member which they refuse to explain. I have never dealt with such an unethical and rude financial institution that wants to collectively punish family members and refuses to disclose any reasoning behind it. This has damaged my credit and I expect the inquiry for it to be removed from my  XXXX  report that is dated  XX/XX/XXXX  I should n't be punished for a company 's bad policies that have nothing to do with the current customer as they acted in bad faith with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: Citicorp refuses to remove fraudulent inquiry from my credit report. the customer service is horrible and they LIE. Every single time i talk to someone from this company they acknowledge that the activity was XXXX and they tell me to give the credit bureau XXXX 30 days to update the info. 30 days to remove hard inquiry that was proven XXXX. and they after the 30 days never happens. I can prove ID Theft that dates before this date and even alerted XXXX that this application was not me immediatly after i received the Alert someone was trying to open an acct in my name. Citicorps 30 day excuse is getting old since it is nearly 6 months after the first time i was told it would take 30 days. see attached.

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 non-monetary relief
Consumer complaint received 02/15/2016 about Bank account or service (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: I closed my checking account on XX/XX/XXXX. All on bank video cameras I have receipts for XXXX out my account for closure. 
Associated never closed the account and continued to do business on my account until XX/XX/XXXX without my knowledge. Anything that that would accidently be submitted to that account should have been kicked back and said " account closed ''. 
I have video of XXXX and Bank manager ( who did n't want to be recorded ) recorded. XXXX said " she closed my account properly. So, I get a phone call from some lady who was never involved. Who told me, Associated cant get my money back, but she will close the account immediately. Why did n't they close my account immediately on XX/XX/XXXX All I was able to recover was {$80.00} of my accidental direct deposit of {$540.00} ( which should have been kicked back account closed ) XXXX = {$460.00} I should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had water damage to my property and the insurance company sent me a check for repairs which had to be endorsed by Nationstar and myself. I mailed the check to them immediately and did not receive it back until almost 2 weeks later. they claimed the check was mailed on XX/XX/XXXX when the envelope states XX/XX/XXXX. then they stated in a letter to me ( see all attachments ) that if I did not return the certification document and copy of insurance adjuster 's report within 15 days they would put all additional funds into a restricted escrow account when I do n't even have an escrow account with them. Both documents were faxed to them twice and when I called they claimed they did not receive them. I have a receipt from the fax that they were received by Nationstar.

Company response to consumer: Closed with explanation