milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I breached my contract with XXXX and paid every penny owed to them on the bill received in including the penalties, and the bill from XXXX was clearly stated " last bill '' because I also knew it was the last bill of XXXX dollars. My service was switched over XX/XX/XXXX to XXXX and my tablet had also been turned off also, and that was my doing. 
I recently received a bill from a certain Convergent Outsourcing , Inc. to pay another XXXX dollars. Seeing the XXXX name on the bill also, I called Convergent, who told me that I had to pay. I told them it had to be a mistake. So, I sent Convergent proof of everything. 
Well, they insisted that I pay the fraudulent bill, because that was the order received from XXXX. 
So, I decided to call XXXX myself to get to the bottom of fraudulent bill. They could n't even tell me how it came about after spending an hour yelling at the representative from XXXX, who was clueless about the bill, and yet insisted that I pay it. I even asked to send documentation to XXXX, because the first set of documents were sent to Convergent, not XXXX. XXXX refused to accept the documents to prove that I do n't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: I currently have a mortgage with Bank of America, which includes PMI ... my loan balance it's already below 80 % LTV, which makes it eligible to remove the PMI, but Bank of America refuses to remove the PMI

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 09/14/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX Bank in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Payoff process

Complaint: Citibank has been receiving checks for my credit card account, cashing them, and not applying them to my account. There was a monthly payment being sent to my credit card account through E-Bill from a XXXX XXXX XXXX. These payments were sent on the following dates. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of these dates, only the XX/XX/XXXX and XX/XX/XXXX payments appeared on my account. I did n't realize the payments were missing until I stopped auto paying my account and received a missed payment fee due to the XX/XX/XXXX payment not being applied to my account. In total, 5 payments were missing, and a sixth payment ( XX/XX/XXXX ) was returned. 

Once I contacted CITI, they located the payments, and applied 4 of the 5 to my account. I called again for the 5th, and was told it was applied to the account. The fifth payment was not applied to the account, and I was not reimbursed properly for the interest fees. 

In the time were Citi cashed these checks without applying them to my account, I was paying more than necessary on my bill, and thereby not getting accurate interest in my personal checking account. Additionally, because they did not back date my payments once crediting my account, I was not properly reimbursed the interest I was charged from XX/XX/XXXX onward. I 've had to reach out to Citi Bank multiple times to get this resolved, and this has still not been resolved properly. 

I would like to know what happened to my payments in this time period, why they were cashed by Citi and not returned when they could not find the correct account to credit the payments to, and if they were cashed by Citi, why they did not investigate the payments and credit my accounts until I contacted them multiple times. I also do n't understand how Citi was able to locate the correct account for 2 of the payments, but not payments occurring prior to, in between, and after those check dates. 

I 'd also like the interest I am owed to be calculated and returned to my account, along with the last payment of XXXX dollars missing from this account.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
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 requested Citibank to remove delinquent from my credit report based on the following issues that resulted in the delay of balance payment in my XXXX charge account : 1. Citibank sent the Bill of Statements to an invalid email account. 
2. Citibank failed to pursue other method to deliver the Bill of Statement.

3. Citibank sent a notification letter via United States Postal Service in an untimely manner. 

Citibank received automated email message and was informed that email message, Bill of Statement, was returned undeliverable. This is the content of a letter dated XX/XX/XXXX that I received from Citibank. Citibank failed to pursue other method to deliver the Bill of Statement as soon as Non-Delivery Report email message was received. Citibank allowed two billing cycles to lapse before a notice to account holder was initiated and sent as shown in the letter of notification with a date XX/XX/XXXX. Interest charges and late fees were incurred as a result. 

My payment history with Citibank N.A. and to any other credit card issued bank or financial institution have been spotless up until this incident. I would extremely appreciate if Citibank reconsiders and honor this request to remove the delinquent from 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 01/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the information twice on Transunion as fraud, they investigated and failed to remove. I called the collection company ( XXXX ) and they refered me to XXXX. I called and it was not event my name or social security number, they claimed mistaken identity, yet this was on my credit rating, and I contested this??? What kind of investigation was done, and why is there so much incompetence? XXXX said that I should be getting this removed and a confirmation letter in a few days all I got out of them was XXXX XXXX and XXXX XXXX, in XXXX, TX was where the bill came from. They assured me it was not idenity theft as this person did not have my SSN, was the claim, but then how did this occur??? Please investigate this and follow up # XXXX in the amount of {$780.00} XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Credit card) with Global Recovery Group (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted my husband and my parents threatening to present me with legal documents and arrest. 

I told them I had no knowledge of the account and they were unwilling to provide me anything other than the amount. Would n't give me an address or name of company.

Company response to consumer: Untimely response
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.

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 06-08-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: The promotional period ended but the credit card company did n't send any information regarding the fact that the APR was going to change. When contacted the company told that the promotional period end date was mentioned in the statement. There was no time to do an opt out of the higher APR and the CC has charged me around {$3000.00} as interest. As I am enrolled in paperless statements, there was no emails/paper statement send out to me regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with United Credit and Collections Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a debt wit h United Credit Collections  in  XXXX   XXXX , MO from a broken lease and I am trying to get a paid in full letter from the collection agency once I pay the debt and they 're telling me that they are unable to email or fax the letter to me once the account is paid in full and that they can only mail it to me. And the representative that was initially handling my accoun t (   XXXX   XXXX   )  is so unprofessional and I had to call numerous times today  X/XX/2017    and he will not allow me to speak with anyone else and saying that he is the only one who can help me and I am trying to pay my debt today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Money was not available when promised

Complaint: on XXXX/XXXX/2015 at XXXX i visit XXXX XXXX # XXXX, they represent Money Gram, i send XXXX us dollar international to the XXXX XXXX under XXXX # XXXX, originator XXXX XXXX XXXX, to be receive by XXXX XXXX XXXX, the money until today XXXX/XXXX/2015 at XXXX shows as in hold by money gram, i try all possible options to comunicate with the company and they just place my call in hold, the XXXX XXXX XXXX XXXX me that they have no way to help me on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Struggling to pay mortgage

Complaint: I started the modification process in XX/XX/XXXX with Bank of America. They have all the paperwork. I was told they received everything in XX/XX/XXXX. They have medical records from my doctor stating I would be off work until XX/XX/XXXX. FMLA paperwork included in the paperwork. I was not getting paid during this time. When I returned to work I began making payments again to Bank of America in XX/XX/XXXX the payment was returned and I was told that XXXX was my new services. I made my payment to XXXX and have been making regular payments ever since. XXXX with XXXX has informed me that Bank of America has not forwarded ant paperwork. XX/XX/XXXX is the final day to cure the default. I started the process prior to my XXXX  as I knew I would fall behind now I 'm am faced with  foreclosure because of Bank of America 's negligence. Bank of America needs to forward all paperwork to XXXX immediately. Their attorney needs to get the issue resolved instead of sending be the nonsensical paperwork saying that they did their job, they did n't!

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 07/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Settlement process and costs

Complaint: The lender Wells Fargo has taken from XXXX 2016 to now, XXXX XXXX to get our loan approved and get us to settlement. We were borrowing only XXXX, we have very high credit scores and own a home. Our loan was approved but the rest took many months and we really do not know why. The loan office kept telling us things were progressing. Due to what I can only see as negligence we lost the first house, and now, are on the third - due to Wells running out the clock on the deadlines. Wells Fargo does not respect contract deadlines. I want a government investigation of Wells Fargo lending practices.

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 04/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received an unfair and very upsetting response from Bank of America regarding my payment that they debit from my account, when I made a payment on XXXX XXXXJust because I am behind on my payments that does not allow them to take more then XXXX payment without my authorization. Please investigate this case and have them credit my account XXXX payment as a courtesy due to drafting my payment for more than XXXX payment and fess from my checking account and leaving me with any money to feed my kids or gas for work and unable to pay my bills. Its was snowing that day and was scare my light was going to get cut off because I did not have the funds available to make my payment because they took all my funds from my checking. Plus they charged me NSF fees because I placed a stop on my payment and took my bank XXXX to XXXX days to clear that transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had XXXX mortgages transfered from one servicing company to another. They were transferred from XXXX to DiTech on XXXX XXXX 2016. Upon transfer ( for both mortgages ) the very first statement I received from Ditech showed a past due amount for my XX/XX/XXXX payment. My XX/XX/XXXX payment was clearly made to XXXX. When I called DiTech and pointed out that the very first statement they sent me showed two months owed they said they had not received the appropriate documents from XXXX to credit my XX/XX/XXXX payment. It is the legal responsibility of servicers who transfer a mortgage to send this information. It is also an obligation of the servicer who receives a mortgage to have accurate statements BEFORE demanding funds, charging late fees, and in this case referring the payment to a credit collector.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from XXXX XXXX XXXX accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all three bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Online I went   to www.AnnualCreditReport.com to get the one free credit report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.
MY COMPLAINT :  XXXX  and Experian both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words, Experian and  XXXX  put up every possible roadblock to make it difficult to obtain the one free credit report per year that citizens are entitled to by law.
MY REQUEST : Please make   XXXX   and Experian comply with the law and provide citizens with one free credit report per year ONLINE like  XXXX  does.
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 non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over XXXX months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score

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 01/14/2016 about Money transfers (International money transfer) with SUNTRUST BANKS, INC. (GA).
Issue: Other transaction issues

Complaint: On XXXX XXXX 2015 Initiated {$850.00} Wire Transfer reference number XXXX Debit from my SunTrust Account to Recipient my Son 's Account at XXXX XXXX bank XXXX. 
Money transfer pay through XXXX XXXX XXXX and then Recipient 's to XXXX XXXX bank XXXX. 
Currently Bank XXXX XXXX Holding my money {$850.00}? do not know reason why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Medical) with Preferred Collection and Management, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a medical bill that I am paying for a my sons XXXX. ( I was n't aware of the bill until after I found out, from my own investigation that I even had a bill in collection ). I have requested XXXX via letter from the agency, Preferred XXXX, to please send me a bill, invoice, or something reflecting what amounts I currently owe. ( I have been paying every month {$50.00} to a company without any notice of a bill besides my voided checks as the only way to show proof of payments ). I finally received a call from a XXXX XXXX who was condescending and rude. He informed me that because I live in XXXX and no longer in XXXX, I will not be receiving a bill from Preferred XXXX, because they are not licensed in this state. All I want is SOMETHING, reflecting that I am making continuous " good-faith '' payments to an establishment. Is there legal recourse for me???

Company response to consumer: Closed with explanation