milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On or about XXXX XXXX I received a letter from Citi Cards Payment Investigations stating they could not identify my account requesting additional information. In that letter I was given a choice to either call the number on the back of my card or fill out the form they sent me and either fax or mail the completed form to Citi Cards - Payment Investigations XXXX XXXX XXXX, SD XXXX. I opted to call since that would be faster But when I called the customer service people that appeared to be friendly on the other end BUT did not seem to understand what to do and were not able to help me as it appeared they wanted me to make another payment. Customer service just told me what they thought I wanted to hear what ever that may be at the that time. So i mailed the form to the address by certified mail on XXXX/XXXX/2016 which was confirmed received on Friday XXXX/XXXX/2016. Since then I have called your customer service people almost daily for any type of updates to why my account was still not credited the {$400.00} that I sent Citi Cards on XXXX XXXX. 

Lets recap my position so that everyone is crystal clear : I Authorized and Scheduled a {$400.00} payment to Citi Card Using my credit unions Bill Pay ( A Free and secure and fast way to pay bills on line that I have been doing without any issue for over 10 Plus years with all my other bills like XXXX XXXX, XXXX XXXX XXXX, ETC .... ) ON XXXX/XXXX/16 ( Early ) for A bill ( Citi Cards ) That is not due until XXXX/XXXX/16 Bill Pay issued check # XXXX on XXXX XXXX for {$400.00}. on the check is my name, address and bottom left memo section states : NEW COSTCO CITI CARDS ACCOUNT # XXXX. Top left saids : POST TO ACCOUNT # XXXX. I followed all instructions like I do with every new account I add to Bill Pay and HAVE NEVER HAD ANY PROBLEMS. 
ON XXXX/XXXX/16 CHECK CLEARED MY BANK ACCOUNT. 
I get a letter from Citi Cards Investigations ( See enclosed ) Stating they could not identify my account! and sent me a copy Of the CHECK CITI CASHED, THAT CLEARED MY BANK, THAT CITI is EARNING INTEREST ON ( MINE AND THE THOUSANDS OF OTHERS ) While Citi Cards continues to CHARGE ME INTEREST, LATE FEES AND LATER COULD INCREASE MY INTEREST RATE, RUIN MY CREDIT HISTORY ETC, ETC ON ACCOUNT THEY SAY THEY CAN NOT FIND? BUT YET CITI CARDS WAS SMART ENOUGH TO KNOW WHERE TO SEND THAT LETTER, COPY OF THE CHECK AND EVERY TIME I CALLED CUSTOMER SERVICE THEY KNEW WHO I WAS BUT YET CITI CARDS COULD NOT IDENTIFY A CHECK THAT CLEARLY HAD MY ACCOUNT INFORMATION, NAME AND SO FORTH ON IT TO ISSUE ME PROPER CREDIT? 

Desired Resolution : TO BE MADE WHOLE. GET THE XXXX CREDIT TO MY ACCOUNT AND ANY AND ALL INTERESTED BACK DATED TO MY PAYMENT DATE OF XXXX/XXXX/16 ALONG WITH ANY FEES CREDITED TO MY ACCOUNT AND NO MORE ISSUES! PLUS XXXX MONEY FOR THE STRESS THIS HAS CAUSED ME AND 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 monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have requested a 609 verification, requesting the original contract of all accounts. I sent a certified letter to this company requesting that they provide me with the original contracts for each account they are reporting on. This company has failed to provide me with the request that I asked for and provide the information in a timely manner. I did a certified copy that was signed on X/XX/17 and I have failed to receive this information. They have violated the fair credit reporting act. I 'm requesting that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans. I Called to start a v.a. home loan. I started with XXXX, a high pressure salesman. I informed him that I was interested in pursuing a v.a. loan but needed to finish replacing the roof on my home before i began. he immediately requested my Social Security Number and pulled a credit report and informed me that i qualified for a good rate. he then pressured me into rate locking, even though i had informed him that i was going to be taking some time before proceeding with the loan to complete renovations on my home. I uploaded all documents requested of me, along with these documents was a statement of my home owners association dues. I live in a single family detached home in a private homeowners association of which XXXX was aware of. We are also on a community well. They requested credit card information to proceed with getting a appraisal scheduled. My credit card was debited immediately and i never got contacted to schedule an appraisal for over 3 weeks. After the appraisal, i was contacted by quicken to inform me that because i was requesting a V.A. loan and i lived in a " Condo '' complex, there was further paperwork required to obtain an aproved V.A. Condo I.D . This document takes 60-90 days to process thru the V.A. and quicken does not assist with that process. I do not live in a Condo complex and i have never heard of such a thing. I was then told that i would still qualify for a standard mortgage at a slightly higher rate. I started to proceed in that direction until a few days later i get the call informing me that because i filed for bankruptcy 3.5 years ago, i was automatically disqualified. XXXX had all my financial documentation almost 60 days prior. They were well informed of my bankruptcy since day 1. Why they attempted to place me in a standard mortgage after the failed V.A. attempt is further discouragement. Quicken mishandled this case from step one. Again, I do not live in a condo. Never heard of a V.A. Condo I.D . before and had no idea it applied to an association. No refund!? 

Desired Settlement : Billing AdjustmentQuit placing blame on the consumer and take ownership of your advertising. You do NOT specialize in V.A. loans. You specialize in making money for yourselves and when you XXXX blame the customer. Learn from your mistakes. If in the future, you get a client on the phone and they inform you that they live in an association, the questions should be asked to ensure that the HOA is not considered to be a " Condo '' I certainly did not know that ... writing mortgages is not my specialty.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: Please be advised that I have tried since Wednesday, XXXX XXXX, 2017, to obtain a letter of mortgage reinstatment from our mortgage company, Seterus , Inc, XXXX XXXX XXXX, XXXX, CT, XXXX. There contact number is XXXX. 

I have spoken with several Seterus representative 's asking for this document. I have asked that the document be faxed to my attention. The representatives state it takes 5 days to mail. I have waiting five days and it still has not arrived via fax. Then I was that it had been mailed instead of faxed to which I have not received in the mail yet. I find it unacceptable that it would take this long to fax a document. I have read customer reviews indicating the same complaint with delay in receipt of documents. 

In conclusion, I have attempted to work with Seterus by being patient, making several calls, but no documents. I have even been told by Seterus representatives that this matter has been escalated to administration. However, no resolution. I am in the process of finalizing a loan to pay my mortgage current, but can not obtain the funding without this reinstatement letter. Please help. 

Thank you XXXX and XXXX XXXX XXXX XXXX Loan # 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 08-12-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: my brother XXXX XXXX on XX/XX/XXXX. He had an account with Bank of America with me as POD.On XX/XX/XXXX I went to a BOA branch with my brothers XXXX certificate and personal ID, they copied the XXXX certificate and wrote down my information and told me my request had to be reviewed by their Estate Unit. They sent me a " beneficiary letter of instruction '' to fill out and requested a copy of the XXXX certificate, which they already had. I faxed the requested paperwork on XX/XX/XXXX. On XX/XX/XXXX I called them to find out what was taking so long. The worker told me they received my Paperwork on XX/XX/XXXX, I do n't know where it was for the three weeks from when I faxed it. She told me that I should receive something in 7 to 10 days. On XX/XX/XXXX I again called asking what was going on. This worker told me the Estate Unit was overwhelmed by work and way behind. She told me she entered me into the system and again I was told I would get something in 7 to 10 days. I asked if something meant my funds, she said yes. My complaint is why does Bank of America have an Estate Unit that slows down the process of getting beneficiaries their monies? We have expenses to take care of, and the XXXX of a loved one is enough stress. Is there money being made by locking who knows how many XXXX of dollars in low interest accounts while they have it invested at a higher rate. My brother 's biggest mistake was setting this account up with BOA as they obviously do n't comprehend that Payable on XXXX means that. This should have taken a week at the most, I 'm now looking at more than 8 weeks since I first walked into their branch. CFPB should be looking into this process in its entirety not individual complaints.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This debt belongs to my exhusband. When I left the home on XX/X/2011 I contacted both XXXX XXXX XXXX and XXXX XXXX where I left several messages with XXXX and XXXX who both assured me that I would be taken off of the long and any debt that he incurred after that date will be HIS responsibility, not mine. He decided not to make any more payments after I left the residence and now I have it showing on my credit report because he is refusing to pay the {$5000.00} that he still owes them. We went to court I think two years ago and he never showed up to the court date. At that time I was told again by community investment group that they would be going after him for the debt amount. Now I am trying to buy a modular home and this is again showing up from XXXX XXXX group that the account is written off on my credit report showing that I still owe {$5000.00} and this is making it impossible to get my new home loan. I just want this removed 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 10-01-2015 about Debt collection (Mortgage) with Ditech Financial LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued calls after I verified I am not the XXXX XXXX that owes Ditech Financial LLC, formerly Greentree Financial Services, nor am I affiliated with XXXX XXXX or any property at XXXX XXXX, Ky. There have been calls daily up until after XXXX and throughout the day on my cell which I use for my business. There are multiple numbers in which the calls come from out of Texas, but the number in which to return the calls remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: I am a current Citimortgage customer. When I inquired to refinance and roll my heloc ( also with Citimortagage ) to lower my monthly interest rate. The loan officer quoted me 3.87 % based on the basic information I gave him over the phone. He then pulled my credit report and I was shocked to hear that my score was XXXX due to XXXX XXXX credit card reporting me with a {$5.00} payment that was 60 days late. I called XXXX because I did applied for the credit card and never activated it and it turned out the charge was fraudulent. I then went back to Citimortgage and their response was that they needed to wait 30 days to repull my credit. I had XXXX send a communication to Citimortgage alerting them that the charge was fraudulent. 
Next Citimortgage had an appraiser value my house in XXXX XXXX California at {$700000.00}. I knew for a fact that XXXX XXXX is known for its superior school system and lack of housing and huge demand so I submitted an argument to the appraisal with my own comps ( the appraiser 's comp were older than 6 months and she does n't live in the area ) Citimortgage had the house appraised a XXXX time ( by the same appraiser ) who this time increased the value to {$850000.00}. Due to the fact the XXXX appraisals took over 9 weeks the lender told me the followingThe can not repull my credit even though I experienced fraud and I need to resubmit all the paperwork again because the original paperwork is too old. The lending office continued to bully me and say thinly veiled threats that if I did not agree to their process I would lose out on the 3.8 percent that I have been conditionally approved from since XXXX 2014. 

I am an existing customer with XXXX loan yet the loan office and the underwriter continued to treat me like I was lucky to be their customer and they would not repull my credit, combine the XXXX loans into a new refinanced loan and wanted me to pull all the information a XXXX time due to their incompetent appraiser whom they used XXXX. 

I work for a bank so I know that lenders have the legal responsibility to treat all customers with respect and fair lending practices. I do not believe Citimortgage is doing that to me or man other of their customers. 
I am happy to come forward with data to support my statement of unfair lending practices and poor treatment of customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I noticed that there are at least XXXX school loans on my credit report when there should only be XXXX listed open/current/deferred because I am in school until 2020 and they do not have to be paid until then. I am writing you to ask that these accounts that are closed/paid off/transferred be removed as they are effecting my credit. Alot of those loans has intercepted my taxes and is paid off. I am in school bettering my education and is looking forward to improving my credit. With all these negative accounts its making it hard for me to move forward with my life. Due to hardships being in and out of work because a lot of my jobs were short term assignments it made it hard for me to pay off my loans. I ask that you please update or remove my accounts to good standings. With my reports saying I 've missed 12 payments, 10 payments, etc it makes it hard for me to actually get approved for anything. I have been disputing with each credit bureau and I 've been getting nothing but the run around. I 've been hung up on, transferred to different numbers, I 've also disputed and still nothing good has happened. I 've been looking for jobs and right now I 'm receiving financial support for me and my child from family members. I just want to get my credit straight and I believe this is why I cant get a job and I cant get approved for anything because these are reporting delinguent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and 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 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 I was looking at my Transunion credit report and noticed that they had reinserted previously deleted addresses and previous employers that were previously deleted. Transunion illegally re inserted the addresses and employment with out giving me written notification 5 days prior to re insertion. They have broken the law. 
The addresses they illegally reinserted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employer they illegally reinserted was : 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 non-monetary relief
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My bank sent me a notice saying that I needed to make an escrow shortage payment, because according to their escrow analysis my account was short of funds ( the statement shows funds of {$3300.00} and their numbers never make sense to me ) It was to be paid in full or my monthly payment was going " to be adjusted accordingly ''. I sent a full payment in a money order from USPS via certified mail. 
They received the money. I have been trying to make my standard monthly payment online as I always do it, and the system is asking me for more money ( as if I had not paid the additional escrow ). I call the bank twice ( on XXXX XXXX. and XXXX XXXX ) and they said they need to adjust the system, but in the mean time I have to make the higher payment and they will readjust it when they make a new analysis. The system is refusing to take my normal monthly payment and I am subject to penalties/late fees if they receive a late payment. I do n't have the extra {$130.00} they asking for until they adjust the system.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been looking thru my credit score and i have notice i have several different claims that am not aware or have ever open a cell phone with XXXX. and still they report that i owe them $ XXXX.iam trying to fix this so i can continue with my life and hopefully fix my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with Hauge Associates, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone from Hauge Associates called my work number claiming that I owed a debt. I do not have any debts, and the person, XXXX, claimed she never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with DISCOVER BANK (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Discover card placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!

Company response to consumer: Closed with explanation