milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Billing disputes

Complaint: I was the victim of a home repair scam across state lines related to my home in XXXX, I live in XXXX. The company advertised an amazing deal for certain services and I gave them my credit card number so they could charge me when they completed the job. Instead they ran up my card over {$1400.00}. Double what I originally discussed with them and all of it despite not having finished a single project. All they did was send me ONE " before '' picture with them supposedly working and XXXX update of XXXX wall being partially painted. When I saw the charges I disputed them. XXXX responded by forging my signature on invoices and submitted to Citibank - they claim I was present at the time of sale to sign off on the work. This made Citibank say that my dispute was regarding the " QUALITY '' of the work done. There was not enough/NO work done to dispute the QUALITY. I submitted over XXXX pages of documentation to support my claim including : Proof of forgery of my signature including a police report, bank records showing my real signature ... And a Police Report number where I am pressing charges. 
Proof that we could not have been at the property at the time of sale ( as the merchant alleges ) because medical and employment records have me and my mother in XXXX Communications from XXXX themselves that they could not complete the job because of personal problems, backed up by phone records. 
A CERTIFIED inspection from a XXXX Licensed Inspection Company detailing that the work being billed was not done. Not that the quality as bad or in question ... THAT IT WAS NOT DONE. 
Invoices where I had to hire another company to do the work XXXX did n't do. Stating that less than XXXX % of the home had any projects BEGUN. 
XXXX and Realtor documents showing the home was pulled off the market for " repairs '' and kept off the market for an extended period of time, with emails from the Realtor informing me that work is not being done on the house. Repairs that were not done until AFTER another company was hired. 

I have phone recordings of Citibank Dispute personnel telling me I had one of the best documented cases of unauthorized billing they had ever seen. One Supervisor even gave me her personal email so I could send her my documentation directly vs. responding to disputes @ citi email. Yet, not once but TWICE Citibank has responded that the charges were " valid '' .... No, they were not! Forgery is not valid. Charging more and more often than authorized is not valid. Starting a job just enough to take a picture and convince me that work is being done and then NEVER ACTUALLY DOING IT is not " valid ''. This is not about the QUALITY of work, there is no completed work to judge the quality of. Citibank is protecting its interests in ruling the way it did, despite common sense and a preponderance of evidence.

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 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems is trying to pin a fraudulent zombie debt on my credit file ( XXXX ) for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information. This is a scam of a company. Fraud! Cease and desist all communications. Remove this fraudulent debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I 've repeatedly requested that   XXXX   and Transunion correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However,   XXXX   still reflects and inaccurate collection status in  XXXX  of  XXXX , in  accurate written off $ amount/status, and an inaccurate " Date Opened ''. Transunion still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by  XXXX  and Transunion and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.

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 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Late fee

Complaint: I have closed my account with Macy 's for a credit card multiple times ( most recently in XXXX 2015 ) and I have received new statements with late balances. I closed the card due to the inappropriate application of fees and late fees. Now, with the account closed with a XXXX balance four months ago, I receive a new statement saying I owe {$8.00}.

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 10/16/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold several times after the purchase of my home and was with XXXX XXXX XXXX XXXX, XXXX ) before supposedly being transferred to Freedom Mortgage XXXX freedommortgage.com, XXXX ). I make all my payments via the Freedom Mortgage website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with XXXX XXXX XXXX a sub-servicer of Freedom Mortgage XXXX. They gave me the phone number for XXXX XXXX and said to contact them. I contacted XXXX XXXX and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would XXXX XXXX tell me my loan was with Freedom Mortgage and how am I making my payments on Freedom Mortgage 's website if neither company is able to recognize my information for me to discuss my loan with anyone?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was held by XXXX. I requested a recasting of the mortgage in early XXXX and sent them a check for {$170000.00}. I was informed my loan was sold to LoanCare effective XX/XX/XXXX and they returned my check. I contacted LoanCare XXXX to request instructions for recasting and to whom I should send my check. After six days they did not respond. I contacted them again and was told they would email me instructions. Another week passed and I heard nothing. Finally they did respond and told me it would take 10 to 20 business days to get an answer. I had to involve my original loan company XXXX to intervene and find someone at LoanCare to assist me because I was frustrated. We have been waiting for almost two months to send LoanCare a check for {$170000.00} and I can not get anyone to respond to me. Additionally I am losing valuable interest on the money I would be saving. I finally received a letter stating I should send my money to them and they would recast my mortgage and have it effective XX/XX/XXXX. That is an unacceptable amount of time to wait to lower my monthly payments.

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 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: RE : EXPERIAN XXXX XXXX XXXX Incorrect address on my credit report Dear CFPB : I called Experian in regard to an address that was not mine. Experian XXXX XXXX advised me to contact the creditor. I contacted the creditor and was informed of a system error on their part. Experian still has not removed this address from my credit report even though I had requested it removed. Please see the credit report that reflects the incorrect address. 

Please remove the address XXXX XXXX XXXX XXXX XXXX CA XXXX. The address is not mine and I never lived in California. 

Sincerely, 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 06/19/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is trying to collect {$1600.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Closing/Cancelling account

Complaint: I had an active open account with capital one bank and they closed the account without any notice or even speaking to me on the phone at the current time and date that I called to request for explanation. ( see attached letter sent to Capital One Bank ). 
According to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. There was NOT any of this on my master card account. 
My purpose of this compliant is how badly as a customer I was treated from capital one bank representatives and they lack to take responsibility for their bad customer service. 

Please see attached documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown company listed on my credit and unknown account and bill I have disputed and nothing received

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 11-01-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Citibank has been reporting the regularly reducing balance on my Home Equity Line of Credit that entered the repayment phase over two years ago, as a reduction in my credit limit to the credit reporting agencies. This is having a negative effect on my credit every month despite the fact that I make my monthly payments on-time. Every time that my husband I pay our monthly HELOC bill ( no longer drawable because it is in repayment ) Citibank reports this as a reduction in my credit limit, thusly negatively impacting my FICO score rather than positively affecting it through regularly timely payments. I have made many written attempts and countless phone calls to remedy this with Citibank as well as the credit reporting bureaus XXXX, XXXX, and XXXX. These including letters written by XXXX different lawyers who have indicated that they are in violation of the fair credit reporting act. I have proof in the monthly credit alerts I receive from XXXX that this is happening and has been happening for over two years. In addition I have copies of my credit reports that show the errors. Beyond that I have copies of my monthly statements which indicate completely different information than what Citibank is reporting to the credit bureaus. Citibank even indicted in a letter that there was an error to be corrected, which was to occur within 30 days, which they never corrected. They only consistently ignore repeated attempts by myself and my lawyer to correct the situation and continue on misreporting the information anyway. I am hoping that the CFPB may help me to achieve resolution of this matter that has gone on far to long to the great detriment of my credit rating and therefore my credit options as a consumer. In the process of discovery of what is going on, we determined by signing up for credit monitoring for my husband as well that they are doing the same thing to my husband, who is a joint signer of the HELOC with me. In studying the CFPB database it appears that another customer has encountered the same type of problem. That problem as reported has the case # XXXX. I hope that you may be able to help me get resolution for this incredibly vexing problem.

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 11/29/2016 about Mortgage (Conventional fixed mortgage) with FIRST MORTGAGE COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to me

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 12/16/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MN).
Issue: Managing the loan or lease

Complaint: I received a loan for the purchase of my vehicle from XXXX XXXX Bank. I setup an autopay account with that bank. XXXX XXXX sold its auto loan portfolio to BB & T. XXXX mailed me a letter indicating that that it sold my loan to BB & T, which in turn, would be serviced by " XXXX XXXX XXXX XXXX / XXXX. XXXX XXXX / XXXX, Texas XXXX / Phone : XXXX '' XXXX 's letter indicated that BB & T and/or XXXX XXXX would be mailing me a " Welcome Package '' indicating how I could setup autopay. I do not know my account number and can not pay the loan. XXXX XXXX continues to call everyday. I 've asked that they either mail or email me instructions for setting up electronic payments, as I do not feel comfortable handing over this information to someone whose identity I have not been able to verify over the phone. I have not yet received this information, yet BB & T / XXXX XXXX continues to call daily.

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 12-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I applied for USBANK checking account along with visa signature card since they were offering {$150.00} bonus. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. After writing to XXXX/CFPB USBANK agreed to fix the credit card promotion. But I still do n't see {$100.00} credit. But I was denied checking account promotion. I was told that I have n't opened the correct checking account. 

I called USBANK online customer care right after I opened the account and asked them if account is opened correctly. I was told as long as I entered the promo code correctly I am eligible to receive the Bank promotion. It has been more than 3 months and no {$150.00} promotion was applied to my acct. When I called USBANK customer care on the phone they asked me to call the branch in XXXX. It seems they do n't know what they are doing. I called bank last week and they told me checking account was not open properly to receive the bonus after investigating this issue for few days. US Bank online customer care did n't do due diligence when I called customer support right after opening the checking account and followed all the instructions to receive the bonus including direct deposit.

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 11/29/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (IL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Well for several months I contacted Exeter Finance with no response to trying to solve the situation at hand. I was told that I had not paid for an XX/XX/XXXX payment. I let them know that the funds for XX/XX/XXXX had come out of my account. And they told me no I still had to pay for the month of XX/XX/XXXX. When I spoke to a repersentive they told me I was 112 days past due and was still demanding payment for XX/XX/XXXX. I was I also asked for a form to match payments made and never received it from them. So in the end they reposed the car and I was told that I still had to pay for the month of XX/XX/XXXX on top of all the other fees. Fees for storage, tow and all back payments which totaled around {$2000.00} dollars all in all. They are not a good finance company they offered no other alternatives. They are a straight rip off and are no good to consumers trying to make it. So by Exeter doing what they did I am now forced to file Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with General Information Services, Inc (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: See attached criminal background check. I 've been unemployed for almost 8 months, and FINALLY have some VERY GOOD opportunities/leads, but if these outdated charges appear on my background check, I 'm certain, I will discounted for employment. Please help me. Details : There are " XXXX '' XXXX XXXX  listed in detail from XXXX County, FL in  XX/XX/XXXX and XX/XX/XXXX that were dismissed and gone ( I thought ), but they show up, loud and clear. There is also and admission of XXXX XXXX XXXX in Colorado, but nothing showed up on the search - PLEASE, PLEASE REMOVE THAT FROM PUBLIC RECORD. All of this will likely hinder my chances of employment, that were disposed, and should be removed due to the statute of limitations ( as I understand it = 7 years ). I 've highlighted everything of concern that I hope you can remove. Please help me. I 've worked very hard to clean my credit and get my life back on track. Thank you very much for your time!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
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 COMMUNITY CHOICE FINANCIAL, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An account showed up on my XXXX credit report that I have no knowledge of. They show I opened an account with Cash CentralXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with  XXXX  and they told me it was my account. I contacted Cash Central and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from Cash Central and have reported the fraud to my local police dept. I suspect Cash Central knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # 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