milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: In XXXX XXXX I went to the XXXX Branch where my parents banked to close their accounts ( which were in a trust ). To make a long story short ... the woman that issued the checks handed me all of the documents required to close these accounts. All with live signatures, along with my copies. Hence, she had no documentation for closing out accounts that were substantial ( ending in 6 digits ).  The bank called me approximately a half hour later and ask if I would return the documents. I told me it was their mistake and they were more than welcome to pick them up from my home. They sent a courier to retrieve documents that should have NEVER left the branch. Upon closing these accounts I asked 3 times about the safety deposit box my parents had and was told they did n't have one. NOW .... NINE YEARS later, I receive a letter addressed to my parents stating that their safety deposit box access will be restricted until ( my parents ) contact the branch. I phoned the branch and ask for a branch manager ... which they do n't have. I spoke with a glorified teller who refused to give me his supervisor 's name and phone number. After several attempts, I got the supervisors name, and spoke with him, and several days later he said he would have a bank manager at another branch take over the situation with the safety deposit box. That was over 2 weeks ago and I have n't heard from anyone since.

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 04/27/2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been paying XXXX : XXXX XXXX - XXXX accounts- XXXX should be closedXXXX XXXX these accounts are showing XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Upon reconciling our main checking account on    XX/XX/XXXX  , it was notic ed that there was a banking error with a check. Also noticed was that our ATM checking account was being charged insufficient funds fees. The customer service representative looked back into the account and informed us that the account was being debited these fees since the inception of the account dating back to  XX/XX/XXXX . We are enrolled in the Platinum account series.   Quoted from their Personal Deposit Account Fees and Feature  s Guide : How to avoid monthly maintenance fee - Waived with a {$25000.00} monthly combined deposit and investment balance across your linked accounts.
- Certain accounts can not be linked but may be used for relationship pricing. The Monthly Maintenance Fee is waived upon request if you also have the following accounts with us or our affiliates with a {$25000.00} monthly combined balance across the Platinum Checking account and any of the following accounts : 1 ) certain out of state deposit accounts and 2 ) select investments.
Our accounts fell within these rules and none of them should not have been charged any fees.
We were asked why we did not notice this earlier to which we responded that we were of the understanding that our accounts should not be charged fees based on the above information. One of bank representatives asked us to submit a statement of hardship to help this request that nee  ded to be elevated to the Regional Manager.
On   XX/XX/XXXX   we were refunded directly to the account, {$150.00} ( six months back ) of the {  $330.00} we were charged. We were also told that this was all we would be refunded and we were " lucky to get that amount. '' We were also told that it was " your fault for not keeping up with the account ''. Truth is we were keeping up with the accounts, just not the ATM account since we only kept  a few hundred dollars  in it at any time.   Something else to note is that for the firs t two months that t he account was open, no fees were charged. The fees began to show in  XX/XX/XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years old.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: Myself and wife had  XXXX  Federal Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX / 17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county. We  disputed with Equifax the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results. Equifax used a third party vendor for their information,  XXXX . Equifax is ignoring our  Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens a re to be deleted we find this conduct very irregular.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Managing the loan or lease

Complaint: I made an electronic payment for both my XXXX and my wife 's XXXX on XXXX/XXXX/16, so I made XXXX payment on each of the XXXX accounts ( auto loans ). This is not a recurring ( automatic ) payment, it is a one time payment made on each account. The XXXX charges were posted against my checking account on XXXX/XXXX/16. Now, today XXXX/XXXX/16, XXXX identical charges were posted against my checking account. Honda Financial Services, without my authority, duplicated the charges, which has resulted in my checking account being overdrawn. It took me hours to contact them. They informed me it is an error and that I should be receiving a refund. They said it would not be the same day, and could not tell me when I will be issued a refund. When I asked how can you process the payments again without my authority, since I am not on automatic payment, I made a one-time payment on both account, Honda Financial Services did not have a response. I still have no answer as to when I will be issued a refund. The additional payments are not even listed on their website as a pending transaction. This is severely disturbing and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 contacted Equifax on XXXX XXXX, XXXX about several inquiries that I did not give any authorization to pull my credit report. I asked them to please dispute the information. I received a letter today XXXX XXXX, XXXX that the investigation is completed and the information is accurate. This is less than XXXX business days later I am inclined to think that they did n't investigate each of these inquiries with each of these companies as they 've provided no proof that my consent was given. I would like these inquires removed as result.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Auto debt) with FORD MOTOR CREDIT CO. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Ford Motor Credit continues to contact me at a work number that I have asked to not be contacted at, as per the company that I work for does not allow personal phone calls. XX/XX/XXXX - I spoke with XXXX as he called my work phone number. I advised XXXX that I was not allowed to have personal calls at work. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that he would need to call our cell phone. XXXX stated that my work number would be removed. XX/XX/XXXX - Spoke with another agent XXXX, as they called my work line. I immediately advised that the number they were calling was to be taken out of the account as it was a work number, and I am not allowed to have personal calls on that line. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that I have asked to have the number removed. XXXX stated that my work number would be removed. XX/XX/XXXX - XXXX from Ford Credit called my work number and had spoke with a co-worker letting my co-worker know that she needed to speak to me that she was calling for a personal matter. I immediately asked why they were calling my work number as I have asked twice that they not call since I can not have personal calls at work. I was told that she was unable to reach my husband on his cell phone so they could call me at work. I advised that this was against the law since I have already asked twice for my work number to be removed and my request have been disregarded. I did let the representative know that I will be sending a complaint and asked that my work number be removed. The representative stated that she will remove my work number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I ran a credit report in XXXX and this debt did not appear ... .9 months later in XXXX ran another credit report and this debt from XXXX XXXX have appeared. This claims to be a debt from XXXX for XXXX. I have been a XXXX XXXX customer since XXXX. I did not receive notice nor any information validating the debt. I have had no contract with XXXX. This is not my debt and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. 
After I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: Adverse credit report by Mariner Finance. 

I have a loan with Mariner finance. 

I was late for 30 days in month of XXXX 2015. The 30 day late payment was reported. In addition, the account was closed ; placed in collection and these information was reported on my credit report. This information has adversely affected my credit report and score. 

The problem here are : I was late for 30 days in XXXX 2015 : B. I moved out of my apartment in XXXX XXXX 2015 and my address changed. I traveled out of the country on XXXX/XXXX/2015 and returned on XXXX/XXXX/2015. I never received any late payment notice or collection notice from Mariner finance. 

C. My financial credibility has been damaged by Mariner Finance because of these misleading information. 

D. They want to ruin my credit so that I will have no option to borrow but Mariner Finance and they can impose their predatory loan and high interest rate on me. 

E. How do you close and account and report it as in collection. Without proper notice to the borrower ; I was late in XXXX 2015 because I was out of town. 

F. I think this account needs to be looked into and all changes made as soon as possible because of the importance of good financial credibility otherwise I will have to seek litigation. 

Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My home was flooded with Hurricane Harvey. I requested forbearance with XXXX XXXX XXXX. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.

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 03/20/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Citi mortgage, loan XXXX foreclosed on my home even though I had already paid over {$20000.00} ; they also arranged insurance and made money off my premiums. 
I want my money back to take care of my XXXX brother and XXXX year old Mother. 
We can barely afford XXXX bedroom apartment but sleep on chairs by my brother 's bedside.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call on XX/XX/XXXX from XXXX stating in a very abrupt manner " You have XXXX hour to contact XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about XXXX to a bank in XXXX, Ohio they said I opened an account with and needed to set up a XXXX dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this information to my address and they stated they sent the information to my last publically recorded address. I told them that I had not lived at that address since XX/XX/XXXX and could they please send the information to my new address. They responded no and that the bank had done there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original XXXX number but was redirected to a XXXX voicemail and when I attempted to call back THE XXXX number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new XXXX. On XX/XX/XXXX I received a call from XXXX stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over XXXX in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX case number I got a phone call from chases rep I tried to call them back a few times cant get them to call me back left my number but it is like all the rest you cant get chase to do what they say

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (SC).
Issue: Problems when you are unable to pay

Complaint: I purchased a car from XXXX XXXX now known as BridgeCrest.. Since having purchased the car in XX/XX/2011, I 've had numerous problems with the car.I have poured at least XXXX into the car for repairs.. I have received harrassing calls, sometimes up to eight calls a day ; When I called to discuss my payments with the representatives they were rude, condescending, and talked over me while in conversation about the details of the car. I have often been threatened to make a payment often leaving my family in difficult situations concerning their basic needs being met. After speaking with one of the representatives she forgot to hang the phone up and I heard her laughing about me struggling to pay {$100.00} that week. She laughed and said, " It is on a XXXX XXXX XXXX ''. Another representative was heard giving her information about what they planned to do with the account and the that the value of the car had been payed off already. In talking to representatives about the account, I would get conflicting information concerning the status of my account. When I made XXXX aware of the problems concerning the condition of the car they said " It is the normal wear and tear of a used vehicle ''. I only drive the car back and forth from work and locally. My fear is that I would be stranded if I were to travel a out of state. It 's getting worse because there is now no workable heating system in the car and we are in the cold weather months. The defogger blows cold air therefore on cold days it is impossible to have a clear view in order to drive. I have been told that there is still a remaining balance of $ XXXX on the vehicle that has to be made by XX/XX/XXXX or the car will be repossessed and will charge off. I have been late with payments because of having to certain income struggles in my family but always continue to make some type of payment. I was sold a lemon of a car, and this is affecting my credit and the opportunity to purchase another more reliable and safer car to drive. Since I have already paid the car off, I want protection from having it repossessed.

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 12-03-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Application, originator, mortgage broker

Complaint: I found a foreclosure that never happened. I found many other loans that were obtained by using our identity. We are victims of ID theft reported to our local police.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter my wife and I sent to the credit bureaus back in XX/XX/XXXX. More four months have passed, and we have not heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Wrong address is being reported my current address was deleted ands my old address from 12 years ago was a added. XXXX ny XXXX is an old address and should not be listed as my current address. My current address where I reside is XXXX ny XXXX and my XXXX ny XXXX. Please correct asap thanks

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