milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I n  XX/XX/XXXX  I go  t a call from IQ data collec ting a debt in the amount of  XXXX  dollars ; at the time I believed this to be the  XXXX  dollar bill which I paid from  XXXX   XXXX  for a move out charge which turned out to be on a different account. Then I discontinued contact with  IQ dat a. In   XX/XX/XXXX  we discovered that the amount IQ data was charging us for was another amount arbor terrace put  on our account as a damages and others fee ; we then went into     XXXX   XXXX   and resolved the debt, we were not given a receipt. Come   XX/XX/XXXX  I beg an trying to te ll IQ data that the deb t was resolved but they insisted on me sending proof, by  XX/XX/XXXX  I had for gotten that I did not get a receipt so I believed I h ad one.   By the time I had discovered that I had no receipt    XXXX   XXXX   had s witched management companies from    XXXX   XXXX  . N ow neither of them claim to have my receipts but they both do n't have any debt under my name either. So now the only people who are still trying to collect are t he debt collectors of  course who wont be satisfied unless I pay or cough up a receipt for a debt that no longer exists.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This concerns my Visa through Best Buy, which is through ( according to my card and online account ) Citibank , N.A .
I agreed to pay the minimum due on my account each month. It is set for automatic payment. My previous credit limit was {$2500.00}.
On XX/XX/XXXX I received a statement stating that my minimum payment due was {$77.00}, due on the 1st. This has been in line with most of my minimum payments ( which have been in the $ 50-90 range. ) Today I noticed that the charge that came out of my account for this payment was instead {$450.00} on XXXX XXXX, 2017. When I checked, it appears the change was made so that the company could subsequently lower my credit limit to {$2000.00} ( the payment brought my balance under {$2000.00}. ) I have had my limit lowered by other companies as I made payments. What I do not see is how it was legal for this company to charge an EXCESSIVE extra amount - {$370.00} more than my statement stated! - in order to lower my credit limit.
Not only do I not understand how this is okay, especially with my statement specifically stating my minimum ( what I agreed they could debit each month ) as {$77.00}, but also this has caused incredible hardship. My financial situation has changed since I first applied for the card, and so the minimum payment is all I have been able to feasibly pay. The excess amount taken is half of my rent payment.

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 07-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: They are taking days too report my pay to my loan company

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 12-01-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Greentree, now Ditech as the second lender on a short sale since XXXX 2015. We received approval from the XXXX lender in XXXX 2015 and this was forwarded to Greentree along with a full short sale package, then resubmitted on XXXX XXXX, 2015. For the next 28 days I have submitted and resubmitted the same documents no less than 3 times with no comments or response to the documents until after my approval from the XXXX lender expired. on XXXX/XXXX/15 we were advised by email that our file was closed because we did not submit the documents that had been requested within 30 days. I have all of my outgoing emails to the nongse email address verifying that all that was requested was submitted and that there were no requests for anything additional or any corrections until XX/XX/XXXX and XX/XX/XXXX at which time we were told that we had 24 hours to return the documents that were being requested. This is a violation of CFPB regulations for loss mitigation servicing and it is the same violations that lead to the national settlement. They have delayed reviewing my file for approximately 5 months and then claim that I did not submit the required documents the day that my approval letter from the XXXX expired. Today I had a manager review the file and all of the documents that had ben requested were there. I then had to go over all of the income statement by statement to show them that the RMA was correct. I do not understand why I was doing their job for them, but in the interest of getting this approved, I took additional time to tell them on what page of the pdf they could find the income statements that match up with the bank statements and also the RMA. The final straw came tonight when I received a counter offer for {$580000.00} for a property that is worth {$430000.00}. the XXXX loan is XXXX so effectively what they have done is countered so that the XXXX and XXXX loans will be paid in full with no basis in actual market value of the property. The comps support an offer of {$430000.00}, we submitted a successful value dispute to XXXX when they countered at {$470000.00} and they agreed the property is worth {$430000.00} and issued their approval. I need help escalating this issue as I believe that this current response is retaliatory for my threat to file a CFPB complaint and the fact that the manager could see that the assigned negotiator failed to do what she was supposed to do so they want the file closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Despite several disputes and complaints, United Revenue Corp is still reporting false information. My previous complaint requested full debt validation, such as signed paperwork from me that I owe this debt. The company has sent me several bills ( attached to this complaint ) and saying it 's valid but have not provided proof of debt. A bill is not proof of debt. To my knowledge I 've never had business with this company. Please provide VALID PROOF of debt, such as a signed contract by me, date of service, and breakdown of bill, only then I will negotiate a settlement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hello, In regards to : Name : CREDIT ONE BANK Acct # : XXXX - This item is currently under investigation. You should receive the results of our investigation soon. 

I am demanding that you remove this item from my CR. This has been under investigation for well over 90 days with no update and I have continually reported this as inaccurate. I will be filing another Attorney General complaint against EQUIFAX if you do not comply with my request! 
XXXXXXXX - This account does not belong to me. You have not proven such and again, this Collection account should be removed from my report under EQUIFAX immediately! I did not pay XXXX a dime of my money for any account, because I have never had XXXX as a provider. REMOVE THIS NOW! 

Also, there are a number if Credit Inquires that you have allowed to take place with your company, which no other CRA has been as shady to allow. Your company is horrible! 
These inquiries should be taken down immediately - or you need to supply me with PHYSICAL documentation showing just cause as to why these inquiries are on my report with you. If you can not, these inquiries are to be removed pronto : XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Transaction issue

Complaint: On XX/XX/2016 XXXX charged my Capital One Account {$550.00}. At no time did we ever authorize or use this merchant. This was filled with Capital One as a fraud event and they canceled my account and issue out a refund with a new card. The charge appeared again on XX/XX/2016 and we went again with a fraud dispute and my account was re-credited. It again appeared on XX/XX/2016 as a recharge. Over the last XXXX weeks I have spend countless hours on the phone and writing letters. No body there ever returns a phone call. I need this issue resolved. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to establish my identity with Equifax. My identity have been stolen and is being abused. Also I filed bankruptcy in XX/XX/XXXX. XXXX District of Tennessee. XXXX XXXX XXXX XXXXe was included in the bankruptcy. The case number is XXXX. XXXX XXXX XXXX loan number is XXXX. Equifax sent me a copy of my credit report. Yet XXXX XXXX XXXX is no longer listed on my credit report. The property at XXXX XXXX XXXX XXXX TN XXXX, was foreclosed on in XX/XX/XXXX, you states a bankruptcy remain on your report for 10 years. All of my history is being deleted by someone. The property was sold to Tennessee Housing Development Agency in Tennessee. XXXX XXXX XXXX XXXX have been working with me and sending me all transactions. XXXX XXXX XXXX XXXX confirmed they began servicing my loan in XXXX. XXXX XXXX /loan number XXXX was established on XX/XX/XXXX. XXXX XXXX is no longer on my credit report. Yet XXXX-mortgage interest statements have been reported to IRS using my personal information. My social security number and I was told to notify Equifax. You may want to confirm this information with the Trustee XXXX XXXX with the bankruptcy court. Honorable XXXX XXXX is the Judge over the case. I have mailed you a copy of my drivers license, voters registration card and social security card with my name change. And the identity theft affidavit sent to XXXX XXXX XXXX XXXX for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This all started on XXXX XXXX, 2016 when my husband attempted to pay biweekly, without asking if they accepted payments that way. This led to payments being placed in unapplied funds and the mortgage company calling about unpaid mortgage payment ; when they actually had a full payment plus 1/2 payment held in unapplied funds. We have since then made all the payments and they are still saying we have not paid, when actually we have overpaid by over {$1300.00}. Our credit has been destroyed and we have called several times to attempt to get this issue fixed, they keep saying they will call us back and that they will have someone review the payment history. I spoke with someone on XXXX XXXX, 2016 and we discovered the error on the call while reconciling the payments we made to their payment history. The agent I was speaking with stated that both our XX/XX/XXXX payment and XX/XX/XXXX payment were applied to XX/XX/XXXX. How could that be and how could they not see that as the error? they have reported to the credit bureaus that we have not paid our mortgage 3 times. I have had a pretty stellar credit history for quite some years and now my credit is destroyed and this company continues to report to the bureaus that we are not paying and they are also not finding a solution to the issue. Now my husband has made matters worse by not paying the XX/XX/XXXX mortgage payment, I understand my husband 's frustration in dealing with this company, as they have been grossly incompetent and have ruined me and any chance I have of moving on financially into any new endeavors. This company Homebridge Financial has been horrible since acquiring our mortgage from XXXX, which acquired it from XXXX XXXX. I feel like this is definitely a violation of my consumer rights and they have been unfair in how they are dealing with this issue and very deceptive in telling us they will get back to us, and someone will review the issue and so on. They have done nothing to fix this issue and this is snowballing into wrecking my life! if they continue to do this we will be ruined totally! we have attempted on so many occasions to speak with them and figure this all out and they keep giving us the run around and continue to report erroneously to the bureaus.

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 12-09-2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Unsolicited issuance of credit card

Complaint: Received notice of account closure on XX/XX/2016 from XXXX due to inactivity. Called to inquire and was informed that if new application was submitted and approved the XXXX reward points lost would be reinstated. Card was approved however points were not reinstated. Contacted XXXX at Citibank 's XXXX offices ( direct line XXXX ) who confirmed recorded conversation promising reinstatement of reward points for credit card application. Was informed that decision was made not to reinstate. 
Consider this an unethical sales practice.

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 08-08-2016 about Debt collection (Credit card) with URS Holding, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a call from All Trans Financial on XXXX/XXXX/2016 at XXXX XXXX from XXXX saying they were representing XXXX on a Financial Matter, This matter was listed under my bankruptcy and that bankruptcy was discharged in XXXX 2016.

Company response to consumer: Closed
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX on my behalf XXXX XXXX XXXX mailed a check for {$5600.00} to the address Citibank gave to them : Citibank Express Payments XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The tracking # was XXXX XXXX. Shows delivered on XX/XX/XXXX at XXXX, receiver signed as " XXXX ''. I have the cancelled check, which cleared XXXX on XX/XX/XXXX. Since XX/XX/XXXX I have been in contact with customer service at Citibank via the phone number on the back of my XXXX XXXX AAdvantage Mastercard- XXXX to inquire why this check has not been posted to my account, multiple time over the last 2 1/2 months. I have record of who I talked to each time, and what they told me, if you need that information. I have faxed a copy of the cancelled check at least 6 times, to 4 different fax numbers. I have mailed my documentation to the PO Box I was given ; tracked it ; it was at the PO box on XXXX. ( XXXX XXXX XXXX XXXX XXXX SD XXXX ). This most recent interaction I talked with a " supervisor '' by the name of XXXX XXXX from Missouri. Each time I have been told that a person will call me back- they NEVER call me back. This has happened with at least 3 different " Supervisors '' including one from Payment Investigations. I have been paying Citibank and XXXX BOTH for this money and paying interest to both. I am completely frustrated as to WHY Citibank continues to tell me that I do not have enough documentation for my claim ( which they send via letter ). Can anyone help me with this?

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 08-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: When I set up my checking and savings account with Bank of America, I was assured that I didnt need to opt out of the option to allow my card to work when the account was overdrawn, because I had set up my overdraft protection. Imagine my surprise this morning when my account was - {$400.00}. Had I known on Thursday that my account was overdrawn, I wouldnt have spent all weekend using that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I am a homeowner having problem receiving services from my XXXX XXXX plan that covers Systems and Appliances in my home. Coverage for this program is covered through my mortgage payment. Payment amount is {$34.00} paid monthly through my mortgage payment at Nation Star Mortgage ; I had problems with my up stair air condition unit for two years. XXXX XXXX sent several different companies to our home none of them fixed our air condition ; also, there records should indicate several telephone calls that was made to them by my wife and I covering the above conversations ; However, our air condition was never fixed and continued to leak water and damaged our ceiling, I had to pay {$1500.00} in repairs. I am having problem with my garage doors, I was informed that my doors are not covered ; only, the roller and the sensors. boxes thethe the rest of the cost is the owner responsibility. My wife and I was informed that this plan would cover most used systems and appliances in our our home. I was informed by the representative today ( XXXX/XXXX/17 ) that the contract have changed. I asked to speak to a Supervisor but my request was denied!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: In XXXX, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my XXXX credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, XXXX XXXX XXXX, after no response to my first letter. His office contacted me via phone but they were unable to provide any evidence of debt I have or even explain why my credit application was denied. Thus I am asking for CFPB to assist me. I obviously do not want a credit card from Capital One ( I used an XXXX XXXX card for the Lord & Taylor purchase ), but I do not want a credit denial lodged on my credit record, particularly since I am retired. ( I do have assets but not income from a job. ) I may want to get other credit cards in the future and this inappropriate denial of credit may prevent that. I asked Capital One to lift the credit denial against me since there was no justification but they have not done so nor have they provided any rationale for the credit denial. I have been highly dissatisfied with this experience and Capital One ( which continues to send me unsolicited offers for credit cards despite my having a " do not solicit '' request formally filed ). Thank you very much for your help.

Company response to consumer: Closed with explanation