milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
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: Sent 2 certified letters I was told debt was VALIDATED ( not a verification ) I did request that this debt VALIDATED be sent to me with Certified Copies of the TRUE BILL ( not a statement ) & the Original Contract with my Wet Seal Signature on it I was not sent this information this is Now A Demand for this account to be VALIDATED ( not a statement ) to show proof this debt belongs to me this is now my 3rd request for this information if debt can not be proved the account has to be removed I do expect this within 15 days after being notified this complaint was received send this proof to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX California XXXX this address needs to be updated on this account also and send all copies of all requested information also to my email address 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 02-10-2017 about Debt collection (Non-federal student loan) with National Recoveries, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm on XXXX and there not supposed to be able accordingly to there letter to touch my XXXX but the have for the last 2 months and I 'm on XXXX also and I 'm XXXX household

Company response to consumer: Closed
Consumer complaint received 09/28/2016 about Debt collection (Credit card) with Merchants and Medical Credit Corporation, Inc. (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Merchants and Medical is attempting to collect debit on a XXXX card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and XXXX only attempts to notifiy us was by way of postal mail. Merchants and Medical agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ive never authorized XXXX XXXX to check my credit i do not have an acccount with them they and equifax REFUSE to help me to remove from report!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: After seeing a promotion on my Citi credit card website, I saw that CitiBank targeted me for a promotion which selected Citi AAdvantage Platinum Mastercard holders and offered them XXXX AAdvantage miles if the targeted customers opened up a CitiGold checking account, made {$1000.00} in purchases, and 2 bill pays. 

I called Citi to opt in to the promotion, opened up the Citigold account, made all the spend limit purchases on the debit card for XXXX and the two bill pays - I did all of this and have yet to get my points, a proper response from Citi, and am being totally stalled. 

I have contacted Citi MULTIPLE times via phone, online messages, and chat. There has not been a proper response, and Citi even got the dates wrong and told me one thing and then another for their 'investigation ' into this matter ( I complained on XXXX XXXX, was told I 'd get a response in two business days, never did- contacted them again ... no response, said my complaint was on XXXX XXXX!!! ) I 've read reports online that this is happening to a lot of people, and it is a shame that Citi has swindled so many people.

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 09/20/2016 about Payday loan () with URS Solutions, LLC (TX).
Issue: Payment to acct not credited

Complaint: I had a payday loan back in XXXX which I paid twice. the bank was XXXX XXXX. every year I get a call from someone tell me that I still owe this loan. I have loaded money on XXXX cards to pay it, so they would take more than they were suppose to. but they were suppose to send me send me a letter stating that it was paid ( nothing ), then just on Monday XXXX I get a call saying I owe the same pay day loan

Company response to consumer: Untimely response
Consumer complaint received 11-08-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I had a joint Citi Card with a debt of almost $ XXXX. I have paid off this card for almost 1 year. 
However I just noticed Citibank is still reporting this debt to Credit Agency - XXXX which is killing my credit score. Please immediately have Citi Bank remove this from my Credit Report. 

This information was found on XXXXCITI {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnionA complaint also filed about XXXXCase Number # XXXXThanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I wasnt told by the people of XXXX that they were going to be checking my credit score. I was misinformed on what they were doing. Im really upset about having this hard inquiry on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Making/receiving payments, sending money

Complaint: I paid my rent online through my resident access website XXXX17, but I used the wrong account. I moved the money to the correct account and called Citibank customer service to make sure that my rent payment would not be rejected. When I spoke to the representative he put me on hold and then came back and told me that my payments should not be rejected. I kept watching my account and the money was never taken. When I called Citibank today XXXX17 they said that it was already to late when I called. My issue is that I accrued additional late fees due to their misinformation and they said all that they can do is apologize that they have no intention of reimbursing me anything ( According to XXXX " Supervisor '' 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 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I claimed bankruptcy almost 7 years ago. XXXX XXXX XXXX and XXXX will not accep. The discharge and have been affecting my credit score for years. Now Ditech has taken over the mortgage. Bankruptcy discharge. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2017 about Debt collection (Medical debt) with North Georgia Regional Collection Agency, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I am writing to you to request that you verify a or debts as required by the fair debt collection practice act. concerning my debt from XXXX XXXX XXXX in dates back from XXXX XXXX I am XXXX and therefore unable to work and have no other income thank you XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I received a credit card offer from CapitalOne for the XXXX card. While there was no reference to " prescreen '' or " prequalification '' the mailing states that the " card is for people with excellent credit '' and provides a website " XXXX '' where I can apply with a seemingly indiviualized reservation number and access code. There was no opt-out notice included in the mailing. Additionally, when I called the number, I pressed the option to opt-out of future communication and the line died after several seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XX/XX/2015 I received a notice from XXXX XXXX that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. Equifax on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. Equifax is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Settlement process and costs

Complaint: i was supposed to close on my home on XX/XX/2016 just to find out that i was not able to do to the fact that the special warranty deed was not completed from Pennymac to HUD ... So now for the holidays Im homeless with my 2 children when i called Pennymac nobody seems to care. I have not splet or ate in days. How could something so simple have me and my children facing being homeless. Ive begg this company to respond ive called all day and been passed around. Please help me time is not on my side with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
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: I purchased special optical lighting products from XXXX XXXX, owner of XXXX, an online company selling special XXXX XXXX. They are located at : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I sent the vendor 's representative, XXXX XXXX, a quote from a competitor company called XXXX XXXX for specific XXXX  lighting products. XXXX was able to beat that quote. XXXX XXXX promised to send XXXX products. XXXX XXXX charged {$6200.00} to my XXXX XXXX account. After taking my money, they did not send me XXXX lighting products, but they sent me their generic, low quality lighting products instead. I paid for the XXXX products in XX/XX/XXXX. Upon completion of contruction, XXXX XXXX sent the low quality products and I was able to test the products out in XX/XX/XXXX. Four bulbs burnt out immediately. These were not XXXX products. Their website stated to call for a return authorization number to return the products. We called, and they ignored all our phone calls. We returned the products to them and paid for the shipping charges. 

I called Citi cards to dispute the charges from XXXX XXXX. Citi Cards failed to investigate the problem and to credit my account for products that were not promised from XXXX XXXX. Citi Cards did not protect my purchase for the wronged products received. Citi cards is forcing me as a consumer to pay for the products that I did not received. I am asking you to investigate Citi Card 's policies and my rights as a consumer. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 01/18/2018 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: Their investigation did not fix an error on your report

Complaint: My complaint is against the credit agencies, XXXX, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with BOGMAN, INC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage company ( Bogman , INC located @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX ) transferred my loan to XXXX effective XXXX XXXX, XXXX. I have always made my mortgage payments on time since the day of the original settlement date of purchase XXXX XXXX, XXXX. As of last month, my new service lender, XXXX, informed me that I was paying homeowner 's insurance via escrow. I was not aware of this & in fact I have called & inquired this concern to Bogman prior to this notification of my new lender. I have learned through XXXX that BOgman XXXX Inc has been charging me for homeowner 's insurance. In the past when inquired, Bogman 's response to me was that I was not paying any homeowner 's insurance through them. I have always paid a separate homeowner 's insurance through a company called, XXXX for many years. I have proof of my XXXX homeowner 's insurance payments. My concern is that I wish to seek repayment from Bogman , Inc of the money I paid out to Bogman , Inc for homeowner 's insurance that which I did not need as I already was covered under my own homwowner 's insurance each month. 
In reviewing Section XXXX of RESPA, I believe I am owed this money because Bogman , Inc did not act in " good faith '' as a provider in providing adequate notice & actually not at all notice of them charging myself as a paying consumer the charges in my escrow account. Again, I was advised by Bogman , Inc via phone that my escrow account only included taxes. 
I am aware that XXXX has implemented procedures on XXXX XXXX, XXXX for clarity and changes of settlement procedures for the consumers who have suffered from damages & losses that which servicers violated the revised requirements in providing detailed disclosures & also adequate information when questioned via phone. I believe Bogman , Inc has allegedly performed such illegal act upon myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Received a letter dated XX/XX/XXXX, signed by XXXX XXXX XXXX of Wells Fargo Merchant Service 's Executive Office stating that " You no longer hold an outstanding collection balance with WFMS '' ( see attached ). Received a subsequent letter dated XX/XX/XXXX, from the Wells Fargo Overdraft Deposit Collections and Recovery ( ODCR ) Department stating that I have a balance due of {$130.00} for my closed account ending in XXXX ( see attached ). I called the ODCR Department on Wednesday XX/XX/XXXX, at approximately XXXX XXXX and spoke with a person who stated that their name was XXXX. I was then transferred to another person who stated that their name was XXXX ( employee # XXXX ) in the XXXX XXXX XXXX. She confirmed that I had a {$0.00} balance and then transferred me after I requested a written letter showing nothing owed. I then spoke with a person who stated that their name was XXXX ( employee # XXXX ) who stated that I have a {$130.00} balance. This entire process was completed at approximately XXXX XXXX -- 48 minutes later, after extended periods of holds. My old business account was closed by them because I refused to pay their overdraft, and NSF fees generated from my former merchant 's account. I voluntarily closed my personal checking and savings accounts, as well as my business savings account due to excessive fees levied after their lawsuit for opening illegal accounts for thousands of their " valued '' customers.

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 10-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took 3 ParentPlus loans for my daughter 's education at XXXX. Two were deferred, and I was paying on one. I had direct debit from my checking account and set up the account for PHEAA to withdraw an extra {$30.00} a month. When my daughter graduated, I consolidated the 3 loans and termed them out. I also filed a " change direct debit '' form to cancel the extra  {$30.00} per month. However, despite numerous requests and contact with customer service, they continue to withdraw the additional {$30.00} each month. In XXXX they told me it would take an additional billing cycle to institute the change. In XXXX they told me I had filled out the form wrong so I had to resubmit it. In XXXX they told me they would put it into research. The XXXX bill was just released today on the website and it still reflects the additional {$30.00}. I have called them and e-mailed them repeatedly and no one will correct this problem. I am attaching a copy of the bill showing that they intend to withdraw the extra {$30.00} in XXXX. I am also attaching a copy of the direct debit details showing that only {$250.00} should be withdrawn, but they are still taking out {$280.00}. I can pay the bill and am not asking for payment relief - I just want to drop the extra {$30.00} a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Received an offer to signup for a Citigold checking account after I had opened my Citi Prestige credit card. Used the promo code provided which was accepted through the signup, I met the requirements but never received my bonus thank you points. When I inquired with the bank directly they said I was never targeted however they accepted my signup application when using the promo code and had no mention that the code was invalid nor that I was not eligible.

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