milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I scheduled a credit card payment for my Costco Citi Visa Card to be paid on XXXX XXXX, 2017 in the amount of {$6700.00} which was the statement balance on the card. On that day, XXXX XXXX, 2017, I received an email from Citi stating, " We reduced a recent payment of {$6700.00} to {$3900.00} from XXXX XXXX, 2017. When a payment exceeds an account 's balance, plus 7.5 % we reduce the payment to the balance on the day we withdrew the funds. I immediately called Citi card processing to inquire about the e-mail and actions they 've taken. The representative I spoke to expressed that {$6700.00} will be debited from my checking account as that was what I scheduled. On XXXX XXXX, I noticed that Citi debited my checking account for the {$6700.00} and the {$3900.00}. Per most recent statement, I was only required to pay the statement balance of {$6700.00}. I called Citi again to figure out what happened and to get my money back as I did not authorize the payment of {$3900.00}. I demanded that I get the {$3900.00} back and the representatives told me that I wo n't get my money back until 3-5 business days. I got passed around to 3 or 4 the Citi representatives until I spoke with a lady named XXXX XXXX who claims that she is the Executive Analyst with Citi Credit Card. She said that she will file a claim on my behalf and make an effort to get my money back soonest. She said that she will reach out to their refund department at her level to " escalate '' the issue. All of the representatives I spoke with agree that it was not my fault as I scheduled a payment for the statement balance and their system somehow collected an extra payment. I XXXX XXXX to give me an update soonest via e-mail ; I have not heard from her. Long story short, Citi took funds from my checking account without my authorization even after I spoke with their representative to ensure that only the payment of {$6700.00} get debited in my checking account and they wo n't give it back until 3-5 business days.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : Equitable Acceptance Reported XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information EQUITABLE ACCEPTANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred to LoanCare, LLC ( from XXXX ), in XXXX XXXX previously we were paying our mortgage monthly on an auto debit schedule around the XXXX of each month. we were informed that our first payment would be due in XXXX to LoanCare. We waiting until XXXX XXXX, to make sure our auto payment was indeed cancelled w/ the previous company, and then submitted a payment around XXXX XXXX or XXXX, 2016. This check posted to our checking acct at XXXX on XXXX XXXX. however a couple of weeks later we received a notification from LoanCare stating our payment was never received. we had our bank faxed a certified letter stating the payment had indeed posted to our acct and should be credited to our loan. 

We made another payment the XXXX. this check posted to our account on XXXX. Today, we received a letter from loan care stating we owe them {$4700.00} ( XXXX month 's payments ) or they are reporting us to collections. This is mortgage fraud. they are taking our money and not crediting our loan, and threatening to ruin our credit. i am planning to file a police report in case our credit does get dinged. I have reported them to the XXXX ( who I am assuming they have paid to not have their rating listed, as no reviews exist ). I am going to look into changing the mortgage company.

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 09-02-2017 about Debt collection (Other debt) with CITIBANK, N.A. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collector, XXXX XXXX XXXX XXXX is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.

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 explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: Date : XXXX XXXX XXXX. 
I logged onto the Transunion website to place a credit freeze on my accounts ( due to the XXXX  hack ). After answering all questions, the website instructed me to call them. I called them ( was on hold for 90 minutes ), going through their automated phone credit freeze, again answering all questions, only to be informed at the end that I needed to speak with one of their representatives, who ultimately told me that they would NOT FREEZE MY CREDIT, unless I did the following : Make a copy of my social security card, my driver 's license, and a bank statement showing my address. Write them a letter telling them WHY I 'm asking for a credit freeze, list my name and address and last 4 digits of my SS number, and MAIL it to them at : XXXX XXXX XXXX, XXXX, PA XXXX. Then, THEY will decide if THEY will place the credit freeze. The hard copies of my SS card, driver 's license, and bank statement becomes their property to be kept " on file ''. I also need to include a check for {$5.00} made out to Transunion XXXX 
I had no problems placing a credit freeze with XXXX or XXXX online, but Transunion is making it practically impossible, and incredibly risky for me to place a credit freeze with them! Can anyone HELP us poor consumers!!!

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 05/30/2016 about Debt collection (I do not know) with Vengroff Williams, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently applied for a mortgage and found out that this haed inquiry is on XXXX report as of XXXX/XXXX/XXXX. I contacted bot XXXX and the agency and neither are willing to help. they pass the ball to each other so no one is responsible. on XX/XX/XXXX I faxed a request to have removed and my report was updated that the inquiry will be removed XXXX/XXXX/XXXX. This FRESH report from XXXX/XXXX/XXXX shows its still on there but set to come off 8 days prior? I need removed Immediately

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 02/17/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax sent me an email offering a reduced price for a 30 day subscription. When I tried to sign up for the subscription, the transaction was charged to my debit card, but Equifax sent me a message saying they could not complete the order. I called Equifax about the problem and the customer service representative informed me that I was trying to sign up for a 3 in 1 offer that was being offered by XXXX of the other credit bureaus. but that Equifax would not honor it any longer because I have a freeze on my account. I informed the representative that I never placed a freeze on my credit report and that the offer was from Equifax not a 3 in 1 deal with the other XXXX credit agencies. After about 5 minutes of a combative conversation with the representative I asked the rep if he would refund my money they charged. The representative informed me that Equifax had not charged my card and that he did n't know who had charged my account. 

I received an email confirming the order from Equifax and the charge on my card said Equifax along with their XXXX number. My worry is that Equifax is false advertising it 's products to consumers and not wanting to honor their specials. I asked the representative who I could talk to about the freeze on my credit report and he told me that he did n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have information on my credit report that keep reappearing after it has been disputed and deleted. The first collection has been deleted twice and re-added and is not mines. The XXXX accounts are not charge off and was deleted from my report six month ago. I have XXXX for all these debts. 

1. XXXX XXXX {$54.00} - Not my mines account was deleted twice from report and just re-added. 
2. XXXX {$51000.00} - Paid Off 3. XXXX XXXX - {$10000.00}, have XXXX should be deleted from report. 
4. XXXX XXXX - {$7600.00}, have XXXX should be deleted from report. 
5. XXXX XXXX - {$1500.00} - Not my mines account was deleted twice from report and just re-added. 
6. XXXX XXXX XXXX - {$3000.00} - Not my mines account was deleted twice from report and just re-added. 
7. XXXX XXXX XXXX - {$27000.00} - account paid off. 
8. XXXX - {$31000.00} - account is paid off and was showing paid off last month in good standing. 

10. An address I never lived at was added. XXXX XXXX XXXX XXXX XXXX. This is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I had a personal account that had a returned deposit because of fraud committed against me in 2015. I provided proof of this fraud which was also used to open accounts with other banks. Bank of America stated they removed me off of XXXX and XXXX, which was already done the year prior. I had a business account with them in good and regular standing that was recently closed after I was approved for Merchant services and upgraded my account. Which apparently triggered a hotfile attached to me. This hot file was caused by someone stealing money from another account I wrote a check transferring funds out of town. When I got back I immediately made the account positive. They removed negative reporting but placed me on a hotfile. They closed my corporate account with no notice, one that I am a signor on costing my company thousands of dollars. They will not let me withdraw my funds, they will not be accommodating in any way shape or form and they refuse to act in good faith. I want to be removed off of the hotfile. I want an apology, and I want to be assured this issue is resolved. Bank of America has blatantly not allowed me to solve this issue. They have been abusive, they have never responded to my request. I sent a packet to their internal group 4 times. They have been extremely abusive.

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 04/25/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In   XX/XX/XXXX  I  was involved in an auto accident and was taken to  XXXX   XXXX   XXXX  in  XXXX , IN for examination and   XXXX  .   XXXX   XXXX   XXXX    performed the   XXXX    services.     I provided the hospital with my insurance information, which they forwarded t o   XXXX   XXXX   XXXX  .   According to my insurer, I was left with an outstanding balance. I never received any written statement or notice from  XXXX   XXXX   XXXX   XXXX   during  XX/XX/XXXX . All other  medical bi lls were settled i n  XX/XX/XXXX ,   so I was under the impression that  XXXX   XXXX   XXXX   XXXX   had also been paid in full.     I n  XX/XX/XXXX ,  I was notified that a debt of  XXXX  had been turned over t o IMC Credit Services for collection. I disputed the charge, as I had no other notice of any   outstanding debt. IMC notified me a few weeks later that the debt was from  XXXX   XXXX   XXXX   XXXX  .     I made inquiry to  XXXX   XXXX   XXXX   XXXX   about this bill, and received the following reply via e-mail : " Thank you for the kind compliment regarding the services that were rendered to you by the hospital and the reading radiologist. Our practice strives to offer the highest quality care. The insurance information provided to the hospital was appropriately forwarded to  XXXX  by the hospital, and your insurance in fact processed the claim. The balance that remained was your out-of-pocket expense. The following day after receipt of your insurance   XXXX   XXXX   XXXX   (  XXXX  ), a statement generated to the address provided by the hospital. Regretfully, this statement returned in the mail due to no available mail receptacle. We engaged a third party to perform skip-tracing on the account, as we do for all accounts with an invalid address. Respectfully,  XXXX   XXXX   XXXX   XXXX   ''  XXXX   XXXX   XXXX   XXXX   had addressed the statement to my physical address ; I live in an area in which all residents have post office boxes, and the post office returned the mail as " undeliverable as addressed. '' Not  one other  attempt was made on the part of  XXXX   XXXX   XXXX   XXXX   or their skip tracer to contact me, either by e-mail or telephone, to establish my correct mailing address. I have lived in the same home for over 20 years and have established utility accounts in the area, so I 'm not that difficult to locate.     I paid the debt as requested, but would like to have the collections report to the credit bureaus rescinded.   XXXX   XXXX   XXXX   is largely responsible for the fact that the debt remained open for nearly a year, as they failed to make reasonable attempts to contact me. It 's difficult to pay a bill that is never received, and even a meager attempt to locate me or find my mailing address would have resolved this in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwestern Health Management INC (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX that was reading an x-ray on my finger back in early 2008. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: SLS, a debt collector, has been violating the FDCPA repeatedly. 

XXXX instance is their continued correspondence to an attorney who no longer represents me. .Despite notice given to them on XXXX/XXXX/16, they ignored it and sent said attorney correspondence on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

This is XXXX XXXX of a myriad of violations.

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 08/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MT).
Issue: Getting the loan

Complaint: OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Filed against : XXXX XXXX Complaint Description : Mystery account for SYNCB/WALMART DC appears on my credit report. I have never sought credit from SYNCB NOR WALMART. FROM XXXX - " .. Company Name : SYNCB/WALMART DC Company Address/Phone : XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Last Activity : N/A Type : Revolving or Option Rate/Status : Pays account as agreed High Credit : {$3600.00} Terms : N/A Balance : {$14.00} Past Due : {$0.00} Most Recent Date Reported :XX/XX/XXXX Comments on Account : Credit card, Amount in H/C column is credit limit .. " DISCOVERED THIS ON MY CREDIT REPORT. I HAVE NEVER SOUGHT CREDIT FROM SYNCB NOR WALMART. SENT THE FOLOWING LETTER ON XX/XX/XXXX- " .. To whom it may concern : OnXX/XX/XXXX, I began credit monitoring under XXXX . After which time I have noticed a credit account on my report that I have no knowledge of. This account is ... Syncb/Walmart DC I have disputed this account with XXXX. Your response to their investigation was to report that this account belongs to me. It does not. I have never applied for credit with Walmart, GE Capital Retail Bank, nor XXXX XXXX I am contacting you to request written proof regarding this account, including the original agreement. I make this request, pursuant to Section 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ). I attempted to pursue this by phone, ( ( XXXX ) XXXX, ( XXXX ) XXXX ), but after 3 transfers, your agent hung up on me. I am sending this via tracked mail.
Your Desired Resolution : written proof regarding this account, including the original agreement.

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 07/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was with navient, they charged me {$300.00} to consolidate my loans. They said I would only have to pay {$12.00} a month in this new program. Now I 'm with XXXX XXXX. I did n't know that being in this program would increase my loan! They did n't say anything about the interest accumulating. I thought I would just be paying back what I had borrowed they mentioned nothing about the interest rate I was extremely missed lead. Then another loan agency sent me a letter, " student loan division '' sent me a letter sayin I should n't have been charged to consolidate my loan to get into this program why is this happening why am I getting buried in this loan? I 'm very distraught confused and worried if someone can please help me clear this up I would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: RE : Ocwen Loan No : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( Property Address ) Information contained on my credit report for XXXX and XXXX 2016 mortgage payments to Ocwen is blatantly inaccurate. First, I attempted to use its automated telephone system to make mortgage payments via " XXXX '' on the XXXX of each of the aforementioned months after XXXX However, when I prompted my personal identification information, I was not permitted to execute the mortgage payments. 
Ocwen mortgage payments are not accepted after XXXX or on the weekends, but will are credited the next business day. After the unsuccessful efforts to pay my mortgage, I was only able to make the payments the following weeks, but, beyond the thirty day payment period, i.e., XXXX XXXX and XXXX XXXX, respectively. 
However, if I was able to execute payments on XXXX and XXXX XXXX, as expected through its automated services, I would not have late payments for those two months on my credit reports.

Company response to consumer: Closed with explanation