milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Customer service / Customer relations

Complaint: I applied for a credit card with Citi Cards. It was an XXXX XXXX XXXX XXXX XXXX card. The annual fee is steep at {$450.00}. I applied on XXXX, but did not receive the card until XXXX after XXXX phone calls and promises that it was mailed multiple times. It was approved immediately after the application online and I received a letter from Citi Bank 6 days after the application noting that it was approved. The letter also detailed that the card would be received XXXX3 days thereafter ; however it took an extra three weeks. As part of the new card, there were spending requirements to receive bonus miles that needed to be met within 3 months, but my clock started nearly a month before I actually received the card and could use it. By the time, I received the card and logged into my account, I already had one full statement that was completed with the {$450.00} annual fee billed despite not actually having the card.

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 08/27/2015 about Debt collection (Medical) with AmeriCollect (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. 

We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. 

We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (VA mortgage) with LoanCare, LLC (PA).
Issue: Trouble during payment process

Complaint: I have sent Loan Care my mortgage company several request to properly adjust my escrow account and to stop collecting taxes in which I am 100 % percent exempt from paying.

I have explained to Loan Care that the tax information concerning my home is in fact stated clearly on the XXXX county XXXX  website. So that all they have to do is go to the website or call the XXXX County PA tax department and ask the tax adjusteXXXX for the tax information concerning my home. 

Loan Care has refused to consider any documentation that I have sent them and they have decided to collect taxes from my escrow account that I do not owe to the county. 

Loan Care told me over the phone that XXXX County of PA submitted a tax bill to them requesting XXXX. This is not true. Loan Care also told me that they are required to pay this tax amount twice a year. This is not true also.

I have explained to Loan Care that the only tax amount that is due is XXXX to the XXXX XXXX XXXX once a year on XXXX XXXX. 

I am asking that Loan Care collect the proper amount of taxes from my account and to adjust my escrow account accordingly. 

Also, I am asking that Loan Care stop connecting me with people over the phone that do n't know anything about an escrow analysis and tax collection.

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 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NM).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I believe that I am being charged an incorrect interest rate. My loan provider Navient ( originally XXXX XXXX ) has refused to provide me with a full copy of the promissory note despite repeated requests both written and telephonic.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I visited XXXX in XXXX on XXXX/XXXX/XXXX. I worked with the billing agency XXXX XXXX to pay off my medical bill which was paid in full XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC purchased the account and sent Affiliate Asset Solutions , LLC to obtain the " debt ''. I called XXXX and Affliate Asset Solutions to provide proof the account was and had been paid in full for almost 2yrs. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC sent XXXX to obtain the " debt ''. I called XXXX and XXXX and AGAIN provided proof the account was and had been paid in full for 2.5yrs. 
I am concerned at this point that PENDRICK CAPITAL PARTNERS II, LLC will continue selling this account FRAUDULENTLY and passing my sensitive information from credit collector to credit collector. My name, date of birth, address, and other information could be compromised at this point with continuous disbursement to various collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CO).
Issue: Money was not available when promised

Complaint: A Western Union money transfer was blocked to recepient. Dollar amount of XXXX has not been credited to senders account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have not heard from my mortgage company regarding a short sale on my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (WV).
Issue: Managing the loan or lease

Complaint: I send extra money with my regular payment to cover a late fee but the company does n't apply the extra amount to the late fees. They apply it to principal and carry the late fees forward. I have called company three months-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- been told I have to call and ASK them to apply extra payment to the late fees. I have tried in that in XX/XX/XXXX and XX/XX/XXXX but it does not work. I have been told they would correct the problem and even given references numbers but the next bill shows up and nothing was done. On XXXX XXXX, 2016 I called and was told part of the {$30.00} late fee would be adjusted and the other part would be waived. With that assurance I sent {$260.00} to cover the remaining {$260.00} on the statement. They are still showing late fees. No adjustment has been made. I can never get my account caught up. Late fees keep accruing. It 's a scam. Their customer service is the absolute worst I 've ever encountered. The rep sounds like someone in XXXX and they talk and talk and never make any sense. I have spent at least 1.5 hours on the phone trying to resolve this issue and told at least twice it would be corrected and nothing is done.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX
XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX XXXX I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXXwhen began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Application, originator, mortgage broker

Complaint: We paid off our mortgage with Bank of America in 2013 and have yet to receive our home title. We have asked multiple times for our title and have been transferred to at least XXXX different people who are " working on our case, '' they have opened at least XXXX cases for us, but there has been no resolution and no response from anyone at Bank of America letting us know the status of our case. We try to contact them via the email and phone numbers they have given us, but they do not answer. We have had our attorney contact Bank of America and they basically denied any wrongdoing ; they claimed that this was due to XXXX XXXX XXXX and a missing assignment. It is not our fault if BOFA sold our loan to a third party or lost it. It has been over two years since we have paid off our loan and Nevada state law requires the owner to receive their title within 90 days of being paid off. We are worried we will never receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is a continuance of a complaint submitted through CFPB 2 months ago, Case number : XXXX. I called XXXX XXXX the Omsbudsman assigned to me by OCWEN Financial Services in response to the CFPB complaint I have submitted, in order to get a copy of all transactions that occurred during the time my XXXX yr old mother has had her loan with them for the purposes of reviewing those documents with our lawyer. It has been 2 months and I still have not received those documents. I spoke with XXXX different advisors at her office since then. We need those documents to understand the conditions by which they have set forth for my mom 's mortgage terms. To this date, they still have not supplied me with loan documents which I have the right to receive. Originally, I was sent some documents from them that contained a fine print, unusually tiny font, that no human being would be able to decipher. I requested the documents to be sent in an acceptable font size to be legible and read.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Metro Collection Service, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with Collection Bureau of America Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The water delivery service XXXX XXXX pure, is offered thru XXXX. I gave them the XXXX XXXX and set up auto pay. Some how the XXXX XXXX AKA XXXX had fraudulently billing by opening XXXX accounts with the account number XXXX and XXXX, and charging every month for many many months. 
As XXXX is such a reputable company, I allways pay the bill without going into details. This duplicate, fraudulent billing from the XXXX XXXX Ref XXXX went on for many months. One day, I realized and called XXXX XXXX as well as XXXX. They put all these duplicate charges in dispute. After this XXXX sent all those charges to collections, then A person from XXXX XXXX with the name XXXX XXXX called on XX/XX/XXXX at XXXX called me and said the account is cleared as of XX/XX/XXXX by XXXX. 
Now in XX/XX/XXXX, I realized that they informed the credit bureaus saying that I owed about {$160.00}. This dented by credit score so much, that I am having hard time getting home loans. I request you to call, intervene and do me the justice by calling Collection bureau of America number XXXX Id number XXXX. I would like you to deeply investigate into this matter as I do n't want these XXXX to defraud hapless, innocent customers like me.

Company response to consumer: Closed
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed my Transunion credit report for my installment loan from XXXX XXXX that was paid off on XX/XX/XXXX. In early XX/XX/XXXX my loan was updated to a paid status & XXXX loan balance. On XX/XX/XXXX, I received an update from Transunion that my previous dispute was resolved. However, Transunion changed the account status back to open and with a loan balance. I tried to dispute this again online and it said it required manual processing. I call them on XX/XX/XXXX and they said they could n't help because another dispute is in process. They would not except my explanation and said to call the creditor. I previously spoke with the creditor and they said they sent Transunion a paid loan status & XXXX balance on XX/XX/XXXX. A  copy of the information will be provided in my submission.

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 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I paid this collection item for XXXX through Credit Collections company. The amount was settled for exchange of deletion on credit report. This company used its against to get the bill paid and used whatever tactics they felt as necessary but only to recover funds and not stopping the reporting on my credit report. Very unethical practices that need to be researched. This needs to stop being reported on my account as it has been 7 years also since the account was paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was sold from XXXX XXXX to Select Portfolio [ SPS ] Servicing on XX/XX/XXXX. When my loan transferred from XXXX Bank, I was given a final modification of my mortgage. I never received the modification agreement and called SPS to have my modification agreement sent to me as they were my new servicer. SPS informed that I had to get the agreement from the XXXX XXXX. XXXX XXXX informed me that my loan was sold and my case was closed. I then, was told to reapply with SPS which I did. At the time of my modification with XXXX, the value of my house was approximately XXXX dollars according to XXXX XXXX appraiser. Now I am in a dispute with SPS who states my home is now worth XXXX dollars even though we have an appraisal at XXXX which was completed on XX/XX/XXXX. SPS refuses to accept the correct value, and has my home in foreclosure. SPS also refuses to modify me due to their inflated evaluation. SPS withheld my modification that was written by XXXX since XX/XX/XXXX when they took over the servicing of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
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: While on vacation, I purchased cosmetic cream in from  XXXX   XXXX  in  XXXX   XXXX  Florida. When I returned home to Arizona and opened the package, I discovered that the container was empty and there was no cream. I disputed the charge but my dispute was disallowed because the sales receipt required that an unopened package be returned within 14 days of purchase. The merchant, in writing, solely relied on the return policy and never denied that the container was empty. Nevertheless, the credit card issuer [  Citibank ]  denied my dispute even though I received nothing for my payment of {$260.00}. I contacted the office of th e President of Citibank , N.A . I received a call from a member of the Executive   Response Unit  who continued to deny my dispute, this was followed up by a confirming letter. My next reply to the office of the President was responded to by another call from the same employee. The caller left a message but never responded to my multiple return calls and e-mail. I timely paid this bill in full in order to preserve my excellent credit rating.

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 01-08-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was not validated and the collection agency removed it from my report and later reinserted the item in my report without contacting me first violating my rights under FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: IC Systems have been calling up to 4-5 times a day from various different numbers with the XXXX area code. It is very annoying and way too many times to call. They have n't left a voice message therefore I could n't call them back with knowledge of what exactly they are calling about. I want them to stop calling because the debt they are calling about is n't even current or correct.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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 have disputed acct XXXX for credit bureau associates and requested they validate the debt by sending copies of the documents they have in their files that were use to validate this debt not simply responding with *verified yet they keep reporting it on my credit report i know it will automatically fall off on XX/XX/XXXX but this does not belong 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 09-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Transaction issue

Complaint: I had a subscription to XXXX. The credit card on file expired over one year ago, yet a new charge for the subscription was placed on my credit card 13 months after the card on file with merchant had expired. I called my credit card company ( Capital One XXXX ) to dispute the charge and they said since I had a subscription then I had authorized the charge. After asking how a merchant was able to charge an expired card, Capital One admitted to giving the merchant my updated card information. My credit card company provided personal information ( new card number, expiration date, and security code ) directly to a merchant and which allowed the merchant to charge an expired card. I was neither notified from the merchant that my card on file had expired, nor was I notified of the agreement between merchant and credit card company to auto-update my card information, nor did I authorize my credit card company to give my information to the merchant. The credit card company finally relented and credited my account for the unauthorized charge and I have cancelled my subscription with the merchant.

Company response to consumer: Closed with monetary relief