milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account on XXXX XXXX, XXXX. I signed up with a promotion that said that were I to meet a certain set of criteria, I would receive XXXX ThankYou Points as a bonus. 

I confirmed multiple times with Citibank representatives via online chat that the bonus was indeed applied to my account. I have documentation of one of these interactions, which happened in XXXX XXXX. A representative, XXXX, confirmed that I had the bonus applied to my account, that I had met all the necessary requirements to meet the bonus, and that I would receive the XXXX ThankYou Points by no later than XXXX XXXX, XXXX. 

After XXXX XXXX had passed, I once again contacted Citigold online and spoke with a rep, XXXX. He told me that the promotions team would instigate an investigation about th e points. 

I then received an email from XXXX XXXX, from Citi 's Client Research department, who told me that " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' However, multiple citi reps had confirmed to me prior to the XXXX letter that I did in fact have the bonus attached to my account and that I would receive the points at the end of XXXX. I know the bonus was attached to my account, since I would never have consented to open the account and pay the $ XXXX monthly fee otherwise. I hope Citibank follows through on its promises and sends me the promised XXXX ThankyYou Points.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXXwhen in fact they 've had it sinceXX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX ILXXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.

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 11/23/2016 about Bank account or service (Other bank product/service) with First Data Corporation (GA).
Issue: Making/receiving payments, sending money

Complaint: Credit Card Merchant FIRST DATA, has engaged in a long-term pattern of charging me excessive and unauthorized fees that I have not agreed to, and for NOT completing a survey that I did complete. There charges have increased without botice and agreement and when we have complained, their promised adjustments and reimbursements have not been completed. Today when we complained and demanded reimbursement or cancellation of my account, they said there would be NO REIMBURSEMENT if we cancelled the account ( acct. rep " XXXX '' ). I have incurred NSF BANK FEES on account of their illigetimate debits.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of refinancing my XXXX and XXXX Mortgage. I currently have both with Ocwen who bought the loans from XXXX who bought it from GMAC. I had asked for help to lower payments on our loans a few years back due to the economy and salary restructuring from my job. 
I have been approved to get this new loan from a different lender, but Ocwen has informed me that I have what they call a Shared Appreciation amount tagged onto the payoff. I have asked for this to be removed as I explained my situation that this would help me and my family get reorganized and back on our feet, due to hardship with my wife health and medical expenses. 
Ocwen verbally has said that the Shared Appreciation amount has been removed several times, which i have 2 payoff quotes showing it. Now they state that it can not be removed. Myself and the new lender has been calling and talking with Ocwen several times a week about this and getting no where. My wife and I never agreed to a Shared Appreciation amount as we never signed an ok for it. We did sign for a modification on the existing loan a few years ago but this was not with Ocwen. 
after todays phone conversation with Ocwen I have gotten no where but an I 'm sorry we made a mistake. I am out a few thousand dollars, and a lot of time as I have been trying to resolve this since XX/XX/XXXX. All I am asking is to pay off both the XXXX and XXXX mortgages and be free and clear form Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (VA mortgage) with loanDepot.com, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: To ; whom it may concern The loan depot never mentioned that the Appraiser that came to my home never measured my home, and was in and out of my home in less than 10 minutes. If you pull there call log, and talks done daily you would find out that these people have made promisses, and lied to me about not just what they said about the {$200.00} that they promissed me back after everything was completed, but also that I had a check on it 's way for the amount of {$3600.00} ; And the loan was APPROVED!!! Just them firing my loan officer XXXX XXXX made them look even more suspicious, and there Attorney calling my home late at night to discuss the situation. This firing probably ruined his home and family. He did not deserve this. The president also contacted me telling me that XXXX XXXX was trying to take over the Company. They put me through a living XXXX! Since XX/XX/2015 till present. I did everything from spending my money for gas, copies, stamps, and time that caused me XXXX, XXXX, anxiety. I really thought this company was on the level with me, and they were not for my best interest my being a XXXX Retired XXXX Veteran. There call backs was sporatic to say the least. And the attitudes I got from XXXX XXXX or XXXX. They fired a very good man, and very honest to say the least. Named XXXX XXXX for being honest about his piers and their practices lying about them putting me on a 30 fixed from my present 3.99 % to 3.75 % ; then all of a sudden they decided to give me a fixed for 3.85 %. He also mentioned about other veterans not getting there fair share when it comes to mortgage loans, etc, etc. Thank you XXXX & XXXX XXXX XXXX XXXX Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with P&B Capital Group, LLC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On first contact from P & B Capitol Group, LLC, a woman, who did not identify herself, yelled at me and was very abusive to me, calling me names. I tried to explain to her that i was on SS at XXXX per month and have XXXX, but she would not listen ; I asked her not to contact me by phone anymore. She became even more abusive and yelled at me, " Collection efforts will continue ''. No paperwork or mailings have ever been received to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my work place 3 times. The 1st time I told them I that I can not take phone calls at work and to not call me at work. The next day they called me at work AGAIN.. I told them once again to not call me at work..3rd time, the next day the still called me a work thus causing me to get into trouble with personal phone calls.. I called them back from my cell phone during my break and told them they caused me to get into trouble for calling me after I told them not to call me at work.

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 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Association Collection Services LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was sent to collections for getting behind on my XXXX payments. I repeatedly have tried to contact the Debt Collecting company ( Association Collection Services LLC, XXXX WA ) by phone and e-mail to resolve the amount due. I left several voicemails and e-mails with no response back. I have been trying to resolve this for 1 month.

Company response to consumer: Untimely response
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following company has made multiple inquiries of my credit. I am not applying for new credit. 
Dates include according to XXXX report include : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX 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 explanation
Consumer complaint received 02-03-2018 about Debt collection (I do not know) with URS Holding, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am sure we owe no debt but we keep getting a call from XXXX and it was always an automated system caller. It never mentioned who we were and what it tried to reach out to. It always asked us to call back to a XXXX number which totally makes no sense.

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 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I mistakenly submitted a manual online mortgage payment not knowing an auto payment would be processed a few days later. I contacted my mortgage servicer on XXXX XXXX and asked for a refund of the duplicated payment. I was told to send the request via email and it would be processed immediately. It now has taken almost a month to get a response and they are requesting more information. At this point the next payment would be due anyway, so there is no need for the refund. We were short the funds all month due to the slow customer service.

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 12-07-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing statement

Complaint: I paid my XXXX minimum required payment for my Macy 's XXXX account by the due date. Macy 's incorrectly posted the payment to my Macy 's store account. I brought the mistake to their attention and they reduced my outstanding balance by the correct amount but did not make the correction to my minimum payment due. This is the third month that I have had to call them and ask them to correctly calculate my minimum monthly payment that I owe them and to reverse the late fees that have been assessed as a result of their mistake. I have spoken to almost XXXX Macy 's representatives in the past three months. I continue to field phone calls and have conversations with Macy 's customer service and credit representatives insisting I am past due and they are attempting to collect a debt since I have not paid the overstated amount in their system. Each time I have had to ask them to look at the notes on my account and explain that it was a system mistake, apparently the result of a software change in XXXX or XXXX. They acknowledge that the error was their fault but insist that there is no way for them to correct the overstated minimum amount due each month. They have now told me that the only way to solve the problem is for me to make an extra payment that exceeds the original amount of the misapplied payment. I am no longer able to use my Macy 's XXXX Account even though I still have a significant amount of available credit. All of my charges have been declined since XXXX XXXX. According to my last conversation with a Macy 's customer service supervisor XXXX XXXX, this has happened before ( a misapplied payment was made by their system ) and it has been the customer 's responsibility to fix the problem if he/she wants to continue using their line of credit. I expressed my shock since the " solution '' they are proposing essentially breaks the credit agreement we have with Macy 's. She then gave me the XXXX. XXXX address for their Disputes Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (CA).
Issue: Account opening, closing, or management

Complaint: Sometime during the morning hours of XXXX/XXXX/16, SunTrust Bank closed an account I had recently opened with a balance of {$3900.00} and mailed me a check for that amount. When I called/online chatted with SunTrust regarding this incident, I was not given a reasonable explanation. A Customer Service Supervisor I spoke with named XXXX stated that SunTrust, at their discretion, has the right to close an account at any time. I asked for her supervisor, whose named I later learned was XXXX XXXX, reiterated this response but also stated that SunTrust closed the account because they wanted to terminate any relationship with my wife, a coappliant on this account. I stated that my wife has done business with SunTrust for over 5 years and only recently closed her account when we moved from XXXX to XXXX. XXXX declined to provide further details about why the account was closed. Does SunTrust truly have the " right '' to close my bank account at their discretion without at least contacting me first to inform me of their decision. Do I have the right to know why they made this decision? Please 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 11-09-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NM).
Issue: Problems when you are unable to pay

Complaint: Toyota continues to report 120 day lates on my credit report even tough the date of last activity XX/XX/2009. This is illegal and needs to be addressed and rectified. I have tried multiple times through the credit bureau dispute process without resolution so I am asking you step in and make them correct the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out large loans to cover my total tuition expenses for college, as my parents were not in a financial situation that could offer much help. 
6 months after graduating with my XXXX in 2013, I was contacted by Wells Fargo to begin my repayment plan. They asked me to pay $ XXXX/month. When I was baffled and confused, the only comments from reps I was met with was " well, do n't you work full time? You knew you were going to have to make these payments? Your parents ca n't help you at all? '' It has been a constant struggle. It 's an astronimical payment for anyone to make, let alone a young person just getting started in their XXXX 's. When I applied to get them consolidated, I was declined because of my low credit score..which is low because I have a difficult time making their payments AND having money to live each month. They wo n't work with me at all, and seem to think it 's perfectly acceptable to ask a XXXX year old to make {$1300.00} payments each month. On top of my rent, and bills. I ca n't make ends meet and I do n't know what else to do. I even offered to make {$800.00} or {$900.00} payments each month, I just can not to the {$1300.00} each month, and they were n't satisfied with those numbers either, which is still incredibly high compared to most student loan payments. I 'm stuck and do n't know what else to do. I am not trying to get out of making my payments, but I ca n't live and pay that extreme amount each month. I do n't know anyone at any age that could swing that payment on top of their regular monthly expenses. Please 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 explanation
Consumer complaint received 07/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been dealing with Experian on numerous false items on my credit report and they are refusing to complete the investigation according to the information I have given them. Each time I give them the information they ask for, I get a form letter saying " Frivolous dispute '' we will not complete, which is false. I have numerous items from XXXX on my report that are XXXX reporting as late accounts, which is false, and as public judgement s, which is also false. I contacted the Court and they told me these records are not being validated properly yet each time I get a letter from Experian, they say the investigation has resulted in the items being mine. Case in point is the name of the co-signer listed on these records. The person does not exist and the social security number does not match the name of the person listed, therefore making these records ALL false and they all should be deleted. Yet, each time I bring this to the attention of Experian, I get a form letter saying they are under NO obligation to investigate because they already did an investigation. This is complete nonsense, as they are clearly using a computer driven data drive to match only my name and information listed with a record of another person and they never investigate the co-signer information, as I told them it would clearly show these are false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: To whom it may concern, I have an issue with missing deposit payment in my XXXX account. More than 10 days ago ( XX/XX/XXXX ) a friend of mine transferred XXXX Euro from his XXXX XXXX based bank ( XXXX credit card ) yet I have n't received anything in my Coinbase account yet, however the transfer results successful from his side since XX/XX/XXXX. 
Considering the fact his account is in XXXX XXXX ( XXXX ) and currently Coinbase accepts transfers from US and XXXX only ( according to their website statement ), I assume this transfer will never arrive to me. Although I want to know when the amount will be returned to my friends account? 

I have tried to contact their team countless times via their official website ( case ID : XXXX ), phone ( waiting on the line for hours ), official XXXX account ( created topic and contacted their staff ). So far I do n't have any feedback where this money is and when they are planning to accredit/return it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The borrowers are in foreclosure and are encumbered with the high costs of force placed homeowner 's insurance. In XXXX, the fire policy amount was {$43000.00}, this added {$3600.00} monthly to the mortgage. Interestingly enough, the borrowers had their own insurance at the same time. The only documents they have from this era are attached along with the forced placed insurance. The total cost of escrow in the Final Judgment of Foreclosure totals nearly {$200000.00}. This is hazard insurance XXXX {$81000.00}, in XXXX, {$49000.00} and at its lowest in XXXX at {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (AL).
Issue: Other service issues

Complaint: On, XXXX XXXX, 2015, I sent {$100.00} to XXXX XXXX who was in XXXX atthe time. He did not have the proper identification required to collect thefunds that I sent him. 
I was told by Western Union to cancel the transaction. The transactionwas successfully cancelled by Western Union on XXXX XXXX, 2015. However, Ihave yet to receive a credit on my XXXX debit card issued by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation