milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I used citibank diamond preferred master card credit card for making paying towards XXXX to bureau of XXXX on XXXX XXXX, I also make payment of amount XXXX dollars towards my internet connection provided by XXXX The citibank fraud department disputed these charges the XX/XX/XXXX without my authorizational and didnt not contact me or seek approval regarding this dispute at all. It should be consumer who need to initiate the dispute. 

As a result XXXX was declared void and I received a letter in XXXX from the bureau of XXXX to make the payment plus XXXX dollars file because earlier credit card payment was disputed and refunded. The method of payment needed to be personal check or cashier check. I make the payment via personal check of amount XXXX . 
In XX/XX/XXXX the citibank for some reason make the payment of XXXX dollars to Bureau of XXXX, this also without my permission and I happen to know about this by finding this transaction in my XXXX statement. Now, there is double payment to the Bureau of XXXX. 

The citibank is consistently avoiding to resolve this issue and trying all the delay tactics to not to recover the amount. This include blaming me for this fiasco and not accepting their mistake, forwarding the case to citibank investigator. The whole issue is created by the citibank and I have not role and input to their actions. I need help resolving this issue The citibank was wrong in 1 ) disputing the charge the first time without my authoirization 2 ) Keeping me in the dark during this dispute process and not seeking my approval 3 ) Making the payment on XXXX XXXX on my behalf without my approval and without notifying me 4 ) Delaying the reversal of this payment as I didnt authorize this payment. I authorize the XXXX XXXX payment which the citibank disputed on its own As a result I have to exprience 1 ) Fine for late payment and have to write XXXX $ ( XXXX plus XXXX dollar fine ) 2 ) not been able to make payment to the comcast by credit card and have to make cash payment in person 3 ) force to pay XXXX dollars as a result as the citibank is not interested in recovering the amount which they paid without permission. 
4 ) I was forced to take immediate action to avoid voiding the XXXX license because of citibank disputing the charges. and not letting me know that the payment is reversed 5 ) Massive frustration because of citibank delayed tactics. i send the personal check copy as proof of payment three time before the acknowledge receiving it ( as an example ). Any phone call to them starts with their no knowledge of this issue. 

the citibank does not appear to acknoledge their mistake and doesnt appear to address this issue.

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 01/18/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My wages are being garnished, I had no idea this was going to happen till I got the letter from my work stating it was, and saw on my first paycheck. I would like to have the garnishment stopped and start a payment plan, the garnishment is to high and is cause major finical hardship. I cant seem to find anyone who can help me with this. My old loan provider ( Nelnet ) has no information for me and I cant seem to get ahold of anyone with the department of education collections. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS DEBT STAYED ON MY CREDIT REPORT FOR 9+ YEARS!! 
I TOLD THE CREDITS BUREAUS THIS NOT MY DEBT. IT IS A XXXX XXXX XXXX DEBT I KNOW NOTHING OF. IN 2012 OR NEAR, XXXX ATTEMPTED TO COLLECT SAME DEBT. I TOLD THEM THIS IS NOT MY DEBT. I AM XXXX VETERAN AND THIS IS CAUSING ME UNNECESSARY STRESS PLEASE ASSIST. I AM XXXX SORRY FOR CAPS.

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 06-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I did a complaint to Bank of America, because  XXXX  charge withdraw money from my account, one year ago my daughter call  XXXX  for do a question, but we decided do not use  XXXX  because a Mistake the company withdraw money from my bank account.   XXXX    XXXX  recognized their mistake and the manager said do not be worry we are going to revert the money to your account.   I do not use   XXXX   XXXX    I do  my taxes with my accounting, and he has been my accountant for 5 years, I have the evidence.   I do not report anything to Bank of America because they promise solve the situacin.   When I notice that the money was withdrawn by  XXXX  I called Bank of America and I explained to them the situacin, and they said we are going to do a investigacin.   They revert all the fees.   I was very surprise when they took from my account {$310.00} dollars.   They justify the action and they said you did your complain so late, and I explain I spoke first with  XXXX  and I trust that they revert the money to my account but they did not.   I did an appointment with Bank of America, but the manager do not help me.   I need all this money back, I am the only person that work in my family.

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 07-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the co-signer on XXXX of my daughter 's school loans. Navient is now the holder of these loans. There was confusion about a payment ; Navient said they had n't recieved it - my daughter knowing she paid it. During the interim, Navient called my cell phone every XXXX minutes or so from rotating numbers all day long for two or three days until she finally got everything sorted out. I sent a certified letter telling them not to contact my via my phone any more but rather only by the US mail, noting that their rotating call system was harassment rather than debt collecting. They sent me a response telling me they could call me anytime they wished ; that if I spoke with them, the calls would stop for that day only ; and that they are not subject to the Fair Debt Collections Practices Act. This was signed by the Private Credit Ombudsman 's Office. In other words, they will continue the next time there is an issue to harass me unless I answer their calls and even then there is no guarantee that the calls will stop. Further, they are saying they are exempt from the FDCPA and I have no recourse but to be harassed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried disputing these Items through Experian and XXXX XXXX and they still wo n't remove or update. 
.Creditor Acct. # Standing Status XXXX  XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full XXXX XXXX removed all except 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 non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been disputing an account with XXXX, Equifax, and XXXX  asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. Transunion did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/2017. XXXX and Equifax are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have  attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, Equifax and XXXX has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. Equifax, XXXX, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX However I do believe I was a part of the Transunion glitch and would like all inquires removed.

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My property is scheduled to foreclose on XXXX XXXX, 2017 and I have a good solid buyer. I owe {$860000.00} and I have a buyer which will pay the balance of the payoff. Unfortunately, I have several liens on the property and I have filed bankruptcy and had to go to the trustee to get permission to sale the property and once that was done, we had to go back to the bankruptcy court to get a motion to avoid judicial lien for XXXX liens. Once we did that we thought we had smooth sailing. However, we were scheduled to go to the closing table on XXXX XXXX, 2017 and that is when the IRS Lien came up at $ XXXX. We are now in the process of getting a partial lien release from the IRS and as you know they do not move very fast and it was relayed to me that they will not have that done until XXXX XXXX, 2017. I just need the additional time to get this closed so that I do not have the foreclosure on my credit and my lender is being unreasonable and not doing what the government says the lender should do which is provide me with an alternative to foreclosure. This is not a short sale, this is a regular sale paying off my insurmountable debt that I owe to SunTrust mortgage. My integrity has already been compromised by my having to file bankruptcy and by me losing my home, I just need a chance and some help to get this done. I phoned the lender this morning, and they had me phone the foreclosing attorney, who had me call the lender back. I NEED HELP!!!

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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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: Bank Of America is blood sucking Bank, even after giving me a credit of {$480.00} they again put it back on my Account and Put an extra {$2500.00} which I reported as fraudulent before. What a mean company who just know how to XXXX hard earned money from people, I will not recommend Bank of America to anyone, do not get Credit cards of this company. 

I have attached letters from Bank of America, how they gave me a credit and how they took it back, they charged back all the money from the Merchants and now also want me to give them the money, they are a big game player and big fraud. 

This is XXXX XXXX company and XXXX XXXX is of no help, all the previous discussions, talks, conversations went waste, so go to another banks to get your credit cards and not this Bank, this bank sucks.

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 12-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as 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 07-07-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (GA).
Issue: Making/receiving payments, sending money

Complaint: Synchrony Bank : deceptive business practices, poor record keeping of financial transactions, and fraudulent behavior in the servicing of consumer credit payment processing for XXXX : Over week ago received robo-call from " Unknown ''. Answered call - automatic message claiming to be XXXX XXXX. Paid {$1000.00} on account. Later found my XXXX bill and called XXXX at XXXX to verify payment. Agent claimed " we have no record '' of payment. I stopped payment and informed them. XX/XX/XXXX called to payoff promotional amount which was XXXX ( promotion ends XX/XX/XXXX before the can add interest ). Asked why my balance was over XXXX. They claimed late fees and interest. Asked that they send documentation on the late payments. They were requesting I pay current payment and late fee above the promotional balance. 
Called later to pay on account and XXXX claimed that my bank refused the ACH - XXXX XXXX? The payment included the minimum payment they insisted I pay OVER the balance. I called XXXX XXXX twice and they said that there was no reason the ACH should n't go thru. 
Note : I attempted to PAY this joke of a bank several times and at one point they asked for a debit card ( I do n't have now ) and a XXXX way call to XXXX XXXX. 
This morning XXXX XXXX verified No Attempts of ACH was done by XXXX! 
1. XXXX pretended to claim the ACH would not go thru. That is pure FRAUDULENT behavior. 
2. XXXX is dishonest, deceptive and discriminatory for refusing to take a legal form of payment. 
3. XXXX does n't keep records of payment transactions. How can they not know that a {$1000.00} transaction was paid? 

This bank should be banner for banking!

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 01/18/2018 about Payday loan, title loan, or personal loan (Installment loan) with Time Investment Corporation (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Time finance is still reporting this old debt as open.. this account has been sold and paid in full by a 3 rd party ... I contact time finance and told them that this account was paid and should be removed from my credit report and the rep stated that the account still says I old owed them which is fraudulent this old account needs to be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had opened an Wells Fargo secured credit card and I had issues financially to pay this account down and they closed my account for no reason and had this debt on my credit for several years I called Wells Fargo to settle this account and however the representative used a communication tactic to settle the debt stating that I was going to pay 60 percent of the balance and he stated that he will forgive 60 percent off the balance and each and every representative I spoke with treated in an unacceptable manner and stated that I lied and that it was noted that I will pay that amount

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 05-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Hello. I need some help with Well Fargo.I have struggled for several yrs Ask Well Fargo for help and sure helped me throwing more on my back.They went up 10 yrs on my mortgage up on my interest rate. I begged for a lower rate and that lower rate would have keep my yrs down .they went up 10 yrs and payment dropped XXXX .what a great american co ..to do us citizen like that.i have never had trouble for 48 yrs and had great credit and then bottom fell out in XX/XX/XXXX - XX/XX/XXXX. I ask if i give up my home you would lose XXXX dollars because of falling value home.I think the way they acted that losing money was ok instead of helping me.Why they can say they are trying to help people. Thats not so true they said all they could do is go up on yrs and interest.They said that if you fail XXXX you can not qaulify for a good rate THAT IS NOT AMERICAN IT IS GREED! HELP ME PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof from XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.

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 05-04-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a reverse mortgage and the lender is trying to foreclose on me because for one month I had to go out of the country and I fell ill and they are claiming I didnt live there and they are also NOT willing to give me a payment plan to repay the taxes I owe in the amount of {$11000.00}. I offered a contribution amount and the rest in payments and they refused. I am XXXX years old on a fixed income, I am going to pay. For {$11000.00} they want to put an XXXX year old on the streets. Please do not allow them to do this, I have other friends and their reverse mortgage servicer allows them payments for when they fall behind. Please God Help me.

Company response to consumer: Closed with explanation