milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Late fee

Complaint: Citibank was deceitful in the way it double charged me late fees without giving me any notice that there was a balance to pay.. 
I went to Best Buy to pay my bill. I paid the balance. A month later I got a call from Citibank about my credit card bill. Owed {$52.00} and change. I called to see who had used my card since I had n't bought anything after paying off my balance. 
They said XXXX $ for being late. And that I had n't paid the late fee so there was an additional late fee. Plus interest. I said I paid the balance at the store. If there was a fee, why was n't I told then. Or later? 
Eventually they removed XXXX late fee. I went to Best Buy and they tried by phone to get Citibank to refund the other late fee. Citibank would n't help. I said, ok then. I 'm paying this fee right now at the store, after which I want my card cancelled. 
They cancelled the card within XXXX seconds while we were still on the phone and before the store associate could process the payment. They ca n't process payment on a closed account. Catch 22. They may charge me more interest! What? The store associate was appalled. Me too. 
Not only was this deceitful, mean, and unnecessary, it ought to be illegal. 
I 'm filing complaints for their deceitful practice of charging me WITHOUT notification, charging me again on the first wrongful charge, and canceling my account so that the store could n't accept my 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 monetary relief
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  ran a credit check on me without my consent.    XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Portfolio Recovery has sent me a notice to collect a debt in the amount of {$1400.00} This collection agency is not licensed for business in Michigan, nor are they registered with the Michigan Secretary of State ; therefore can not attempt to collect any debt in Michigan. Please remove this account from my credit reports immediately. Also, they have attempted to garnish wages without successfully validating that this debt is even mines.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Mortgage debt) with Real Time Resolutions, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Our home went into foreclosure in  XXXX  after the economic crash in  XXXX . We Had an  80/20  loan orignally with  XXXX   XXXX  Mortgage. Which then had  XXXX   XXXX  Mortgage  XXXX   XXXX  till we went into foreclosure in  XXXX .  XXXX   XXXX  mortgage then changed to  XXXX   XXXX  in  XXXX   XXXX  according to information provided from internet. On our credit report it demonstrated that  XXXX   XXXX  charged off both loans (  XXXX , and  XXXX  ) with last report date of  XXXX , and stated last activity in  XXXX . We then started receiving information from Real Time Resolutions attempting to collect a debt that has been already charged off and closed. They have been inaccureatley reporting to credit berueas and state that the account was opened  XXXX  and is currently still reporting with last report date of  XXXX . But it does not show any last activity date. This is inaccurate information, and we are demanding that this be removed from our credit reports. They have enabled us from moving forward into being able to become  2nd time home buyers. There is also a recent class act lawsuit against Real Time Resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To who m it may con cern, I have a collection account on my file from a collection agency name d : (  Midwest Recovery Syste ms ). The accoun t is as follows :  XXXX   XXXX   XXXX ,   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATION S (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical pro of ( Midwest Recovery Systems ) is licensed to collect debt in ( Florida ). Your immediate response will greatl y be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Payoff process

Complaint: After making an electronic payment on my credit card which placed a positive balance in my favor on the card of {$140.00}, Wells Fargo informed me that while the payment for the card had been credited to my statement that the funds would be held for 15 days and my credit line would be unavailable until after the 15 day period. The {$140.00} balance in my favor would also be unavailable. The withholding of this portion of the payment is nonsensical to me considering the payment was an electronic 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: First, they put me in forbearance when i could have been paying some money. I took this loan out XX/XX/XXXX start paying it back XX/XX/XXXX and am currently up to date on payments. They should have offered me to pay at least XXXX dollars a month but instead they pushed forbearance. And secondly, when I missed XXXX payment they harassed my co signer- my uncle, with multiple phone calls every day and threatening his credit - over one missed payment. it was very emotionally stressful and my family constantly fights over it and I am the XXXX in the family now because I had to drop out of college my third year due to helping my grandparents and so my loan had issues. I would XXXX every time the phone rang and still to this day tense up every time i hear the phone ring, they just kept calling and calling and calling ( back when I first dropped out I did n't know what to do with my loans I had no income ). I 'm sorry I 'm not great at describing my issue but all I can say is that they do not inform kids of how important and scary these loans are. Had I know the family XXXX I would go through, I would have NEVER went to college. Worst part about all this, the school told me because I do n't have parents they said oh yea you 'll get all your tuition covered you have no parents, so they said take out this loan now and when they cover your tuition ( fasfa ) they can just pay it back. I never thought I 'd end up with this loan. I was misled by the school. it does n't matter how poor you are, if you have parents DONT BE FOOLED! your tuition will not be covered.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XXXX- Hard Inquiry done without my authorizationXX/XX/XXXX XXXX XXXX Hard inquiry  done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my autorization

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 02/14/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: ON XX/XX/2016 I WENT OUT CAR SHOPPING TO PURCHASE A CAR. I WENT TO XXXX XXXX IN XXXX VIRGINIA TO LOOK AT A CAR. DURING MY APPLICATION I SUMMIT I GOT TURN DOWN FOR MY APPLICATION. ON MY CREDIT REPORT XXXX DENIED MY APPLICATION. I AM NOT DISPUTING THAT. BUT I ONLY SUMIT ONE APPLICATION AND IT SHOWS TWICE ON THE SAME DATE AS XX/XX/2016 AT THE SAME DEALERSHIP. I HAVE DISPUTE THAT SEVERAL TIMES AND STILL NO CHANGE, IT SHOULD ONLY SHOW ONCE ON MY CREDIT REPORT AS A HARD INQUIRY NOT TWICE. I AM DISPUTING THAT AND I WANT THAT ONE REMOVED. I AM NOT DISPUTING THAT I SUMMIT APPLICATION I AM ONLY DISPUTING THE SECOND ONE. I WENT TO DEALERSHIP TO INQUIRY ABOUT THAT BUT THEY STATE THEY CANT DO NOTHING ABOUT IT. I CALLED XXXX AND I GET THE ROUND AROUND

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has placed this debt on my credit reporting negatively with no validation that it is my debt. The amount owed is said to be XXXX I have no knowledge of this debt and would like it removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: capital one credit card division has an inside credit card scam going on and they know it.imposters using burn phone to order and send cards to your home only to devert them at the last minute to other package carrier locations for pickup, looks legitimate and they send the dogs after you to pay up.its a long story that started in XX/XX/2016 and i just busted their whole operation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Upon reviewing my Experian account it looks as if I have 3 inquires that DO NOT belong to me on my account. I called Experian on XX/XX/XXXX and was verbally abused by Experian representative XXXX with XXXX XXXX. Complaint made with supervisor. I mailed Multiple Inquiry removal letters via certified mail in XXXX and also provided evidence that my data was impacted by the breaches through XXXX, XXXX and Hurricane Irma. I have been trying to build my credit, not apply for things over and over again. The letters go without proper investigation required by law as " we are unable to investigate inquiries and they will remain for two years from the date of inquiry. '' They would sign for the letter on a certain day and the response would be mailed to me in less than XXXX hours. I have asked for evidence that these inquiries belong to me. I am refused that request by stating " If you believe this was unauthorized, please contact the creditor. '' I would like for the below inquires to be deleted. XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX. According to the FCRA Rules, FCRA XXXX ( b ) ( XXXX ) and XXXX ( a ) ( XXXX ), it states that any information can be disputed and MUST be investigated and if you do not investigate or respond accordingly, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letters, one can assume that there was no investigation into the matter. I plan to purchase a home next year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that do not belong to me, I did not sign for any credit pulls. This is unfair practices by a credit reporting agency with no regard for the emotional distress or consequences this causes the individual.

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 03-09-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: I had a personal company check double cashed the first time by my ex wife ( XXXX ). I let Wells Fargo know I had done a mobile deposit of the check and ex wife took the physical check and redeposited it. Wells offered me a new account and told me it would not happen again. I let them know she may have other physical checks where I mobile deposited them. Wells assured me that with a new account, new card protection etc this would not happen. A year later another check from a vendor XXXX deposited in my name was returned to my account since she no longer banked with Wells Fargo. I contacted her bank and let them know of the fraud ( XXXX ) who indicated the check did not come back to them ( She undersigned her name ). Wells refused to look into the matter, claimed I should have destroyed the check again which I did not have access to and had explained they said I was protected. The check was in my name but she deposited via ATM into XXXX. The vendor ( XXXX ) wrote a letter also asked Wells to look into the matter and correct it. I have spent over a YEAR trying to get funds back Wells took from my account that was not supposed to happen again.

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 02-08-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX I submitted a compliant against Resurgent Capital Services LP CFPB case number # XXXX. Resurgent Capital LP indicated in their response to my previous complaint that they would submit for account # XXXX negative Tradeline to be removed from all three of my credit reports on XXXX of XXXX please review attachment sent, however the negative account has continued to be report onto all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting a short sale on my property for about 6 months now. The BPO has come back higher than the relator has proved is market value for the house. We have had XXXX interior and exterior and XXXX exterior only BPO done. The XXXX was coincidentally the same amount that owed on the loan, the second that we requested was XXXX which was XXXX over the price that the condo next to me sold for. I asked that another BPO be done and they refused saying that they only do one every 90 days. How can a third party appraiser be able to make such claims when the real estate agent ca n't even find homes that compare?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoken to somebody in the company called XXXX XXXX I have sent over fraud and police papers and have got nowhere. This loan is not mine and was open without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX I voluntarily repossessed a vehicle XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX XXXX XXXX reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi I'm a Consumer. I'm sending this complaint to inform you that Ocwen Loan Servicing, LLC along with XXXX XXXX , XXXX where given notices of dispute to verify, and validate the alleged account that they are try to collect on neither financial institution can provide Original loan level documentation with blue ink signature to prove it. I the natural man specifically denied that account or any attempt to establish an account stated, by both parties. I own a private home NOT real property. I have no mortgage those signatures they have on the documents they have been sending me Do Not have my authorized signature on any of those alleged certified copies they have been sending after every demand I made for a verification and validation of the alleged debt ; with a sworn statement under oath from the original creditor, both parties can not provide it. Both parties are breaking several consumer law. Both Ocwen Loan Servicing, LLC and XXXX XXXX XXXX XXXX are breaking several FDCPA laws, FCRA, laws, and Truth in Lending Regulation Z laws. By claiming they receiving my information from a known source and can't provide proof, is my belief that there is identity theft, money laundering, and maybe tax invasion going on by Ocwen Loan Servicing, LLC. Which XXXX XXXX , XXXX choose to represent, which makes them indirectly debt collector try to assist Ocwen a Debt Collector to collect on a debt that they can't provide validated proof. I reject that alleged account. I have no real property so this alleged foreclosure that both parties are threatening me with needs to cease. I know that both parties are financial institutions and may be violating the Grand Leach Bliley act. I have been building my case for the last 8 months disputing back and forth with Ocwen Loan Servicing, LLC. Please look into my complaint and assist me on this matter. XXXX XXXX , XXXX also is falsifying in formation with wrong dated and claiming that they have sent me these letter certified, which I can prove they hav n't. Thank you in advance for looking into this matter. I would like a full break down of your investigation, and what procedures that you use to investigate both parties. Thank you again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a request for investigation to Equifax over 1 year ago and have never received a response. The account is XXXX XXXX and it listed as a charge off. In the remarks block it says " Consumer disputes-reinvestigation in progress. It has said this for over 1 year. They never deleted the item or provided me with the results of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a collection on my Equifax on XXXX XXXX and was given a case number XXXX and then checked my credit score on XXXX XXXX th and my credit score dropped XXXX points yet nothing on my credit report changed actually my XXXX went up XXXX point I would like to find out what happened if you could help with this I would be grateful

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Other type of mortgage) with GreenSky Trade Credit, LLC (OH).
Issue: Trouble during payment process

Complaint: I signed with a company in XXXX, Ohio to fix my roof. They Signed with Greensky Trade Credit in XXXX, GA for a 12 month same as cash loan. Greensky never billed me until XX/XX/XXXX which was after my daughter and son both called on separate occasions to get a bill. They charged me two late fees of {$39.00} each for XX/XX/XXXX and XX/XX/XXXX. I never knew about a bill and was waiting on it to pay. My son spoke to their representative about the bill and why we had not received one and they waived one late fee. They never mentioned the first late fee and we were not made aware of it until after paying the loan off. My son called on XX/XX/XXXX to try to get the money refunded and spoke to XXXX who made no sense and stated their records show that bills were mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That was never told to us either until we called asking for a refund. XXXX would not authorize the refund nor would he allow my son to speak with his boss. He only said their information is public and my son was welcome to look it up. He said this is " Only {$39.00} '' but I am XXXX years old and this is just wrong. They never billed me and I believe he is lying about the billing.

Company response to consumer: Closed with explanation