milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a rifle scope online in XX/XX/XXXX. The merchant shipped me the wrong scope. The scope I received was worth much less than the {$1600.00} scope that I ordered. The merchant denied responsibility. 

I disputed the charge with my credit card provider, Citibank. During the dispute process they provided incorrect information that caused the dispute to run past timeframe. A Citibank Customerservice representative provided this incorrect information to me via customer service chat box. There is a record of this but Citibank refuses to release the chat log without a subpoena. A representative advised me not to obtain a third party opinion letter on XX/XX/XXXX. A week later I was advised to provide the letter. I promptly obtained the letter and sent it in to Citibank electronically on XX/XX/XXXX.

Citibank would not continue with the dispute in XX/XX/XXXX because the deadline for dispute supposedly passed on XX/XX/XXXX. I believe my dispute rights were violated because Citibank could have continued the dispute past the timeframe with a reasonable chance of success. I called in numerous times asking them to pursue the case, and they ultimately closed my account and stopped accepting my calls. 

I had my full credit card account balance paid for other than the {$1600.00} charge. I was able to get a credit of {$400.00} from Citibank as a courtesy. The remaining balance of {$1200.00} ultimately reached {$1500.00} as missed payments and late fees kept rolling in during the months I spent trying to get Citibank to remove the charge. Citibank has also harassed me with collection attempts via phone and mail. They ultimately charged off my account as bad debt. The account has recently been sent into collections. I believe their actions are illegal and have damaged my credit severely for the past 2 years.

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 05/14/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested a collection agency to validate and I only received a letter with dates which are not accurate. I need actual verification which was requested and not received. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When my IBR was due for its initial review in 2013, I had been receiving emails through XXXX. I did not receive an email notifying that I needed to recertify my loan. The only warning I received noting my IBR expired was a large automatic withdrawal from my bank account. When I called the company, they told me to check my junk mail. When I did, I saw a solitary email noting that my IBR was up for renewal. This was the first time I had to do this process. They told me it was my fault and they would not uncapitalize the {$11000.00} that had been placed on my loan. Since then, I only receive paper statements. I feel tricked. I received an email every month stating how much money I had to pay, but did not receive the big email that was work {$11000.00} of capital? No warnings or anything. Then they did not work with me. I heard from one of my internmates this happened to her too, but when I saw the news reports I realized this may have been less of an email mistake and more of a calculated issue. I wonder how many other people had their loans capitalize on them effectively putting them further in the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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 contacted XXXX several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my XXXX record or reported to all three agencies.

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 06-03-2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$480.00} and now I 'm expected to pay back quadruple that amount. 
i.e. : XXXX from XX/XX/2016 until XXXX 2016 I 'm XXXX, on a fixed income, this is PREDATORY LENDING at it 's finest. 

WHO IS MAKING ALL THAT INTEREST ON THIS MONEY! IT 'S REALLY A SHAME BEFORE GOD!!! 

Also while checking for the link to try and pay off early, it 's not there, but I did discover there was another loan pending online there, ONE ; I DID NOT APPLY FOR, but NOW, IT 'S GONE! I SCREENED SHOT A COPY TO ATTACH TO THIS COMPLAINT! 

I do believe someone is committing FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently pulled a copy of my credit report on-line and found that Sterling Jewelers , Inc. is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have  brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but Sterling Jewelers , Inc. has not despite my on time payments and evidence showing them that my payments have been made on time.

I look forward to Sterling Jewelers, Inc. accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments.

Thanking you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have had a VA mortgage for 7 years with Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Lender NMLS ID : XXXX I am constantly badgered by mail, phone & email to refinance. All notices are unsolicited & I have spoke w/ several agents to announce my desire to be left alone & that I am not interested in their services. 
Make them stop!!

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 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Am Filing this complaint because Trans-union has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Debt collection (I do not know) with TrueAccord Corp. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Its been a complete waist of time filing consumer complaints. Ocwen Loan Servicing 's puppet employee XXXX XXXX was given a Ocwen Loan Servicing title to learn how to become a pathological liar so Ocwen executives can shuffle documents to rob homes. The CFPB was puzzled together to collect millions in settlements using and twisting the laws all up so it could allow Ocwen in return to admit no wrong doing which has allowed Ocwen and its abusive employee to continue to harass and abuse homeowners. This CFPB communication is evidence that I demand XXXX XXXX to Cease and Desist all further communication with me because she is a pathological liar who has caused me serious harm. This matter will be handled in a court of law. I will not waist anymore of my time dealing with a bunch of incompetent fraudulent abusive shady criminal servicers. I have attached shady XXXX XXXX response to my consumer complaint. I have attached summons. I am not able to attach any exhibits because the volume is to large. You can review the entire complaint once you have been personally served. The process servicer is in route to your locations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, PXXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF EF Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/TU/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 12/13/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this collection I pulled my credit fill and this collection was listed.

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.

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 06/22/2015 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have had several problems with shellpoint mortgage servicing as you probably hear from consumers on a daily basis since it is the WORST Mortgage company ever for customer service. I have been getting foreclosure letters from Shellpoint and are working with NCHFA ( XXXX housing finance agency ) to get assistance ( medical/decrease in work hardship ) however time is running out and I requested last week ( via shellpoint rep XXXX XXXX ) to know what is my balance and he said that he did not know as they were going to have to order a copy of the Attorneys fees and charges even though my loan has no official " projected foreclosure sale date '' as I was told by this customer service rep. and that it would take 24 hours to fax me a copy of the attorneys fees to my fax machine at my desk ( XXXX XXXX ). Today makes 4 days and the copy of the attorneys fees has not shown up so I called the " only '' number for Shellpoint ( I reached loss mitigation dept. ) and a representative said she was connecting me to the foreclosure dept in XXXX, and some Rude Rep answered the phone, did not say his name, did not identify he was working for shellpoint servicing and said he did understand what I was requesting and asked me to repeat myself, when I repeated myself he said " you know what hold on and hung up the phone on me '' Outrageous customer service!!! I called back to the only number shellpoint has and spoke to one of the reps who keeps trying to get me to speak to another Rep in loss mitigation ( XXXX XXXX ), and I told her I DO NOT want to speak to XXXX XXXX ( this company acts as though XXXX XXXX is the only person working for Shellpoint ) and if I waited for XXXX XXXX to return any of my calls I would be in full foreclosure from waiting. I asked to speak to someone in charge and/or to connect me to the foreclosure dept and the rep just keeps trying to get me to speak to XXXX XXXX, so I ended the call. So in getting the run around from this company, time is running out and it appears that I am being forced into foreclosure sale, which is what I believe this company keeps acting like they want me to do because they keep stalling, please assist me in getting the total cost needed to bring my account current. Thankyou

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and  Congress  states that they are required to go beyond the original source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right!   For example, the  XXXX   XXXX  account #  XXXX  is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have  ONE  account with this company!   Secondly, for the  XXXX  accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those!   Thirdly, for  XXXX , they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed.   For Equifax, the  XXXX   XXXX  account # xxx is reporting me as late on   XXXX   XXXX     and yet not only did I pay on time, but the other  2 bur eaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''!   I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Over the last 6 months have been trying to get XXXX XXXX to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, XXXX is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay XXXX or XXXX then how do I suppose to pay them???? <P/>Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2.  Dates, times, and e-mails when these conversations has taken place? <P/>3. Last date of activity for this account? Which is not displayed on the credit report why?? <P/>4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current? <P/>5. Please provide the original documentation sign by XXXX XXXX. <P/>6. Please provide the date and time when the account was transferred from XXXX to a government servicer. <P/>7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts. <P/>8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE? <P/>This does not make sense at all and should be investigated all my accounts are to date and XXXX XXXX is violation of the FCA. From this point I will consultant the attorney that sued Equifax for XXXX XXXX dollars because they refused to remove inaccurate information of her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: me and my ex wife had a credit card from bank of america before we divorce .the card was close in 2012 with a balance of {$5100.00} and since then this have been on my report have called several times to discuss the situation with them all to no avail.

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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: IDENITY THEFT XXXX

Company response to consumer: Closed with explanation