milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This matter is in reference to something from XXXX that is now being listed on my credit. I UPLOADED THE DOCUMENT for complaint number, XXXX about CITIBANK. This is NOT a duplicate of XXXX, which deals with XXXX. XXXX is thirteen years after XXXX, and they are not the same matter at all. The XXXX matter was PAID IN FULL in XXXX. I have provided proof of this via uploads to the credit bureaus. I have old credit reports and old letters from Citibank. My issue is that Citibank is stating that I went 60 days late in the year XXXX and didn't list this information until XXXX. That isn't possible when it was paid, and I don't know how you can back-list something from twenty years prior. This complaint has absolutely nothing to do with Citibank fraudulently assigning accounts to XXXX, or XXXX engaging in Identity Theft. This complaint is about the fact that Citibank lists something as paid and then claims that I was sixty days late. There is no proof of this on their part, and there is no reason to have something listed from that long ago. We are in the year XXXX. Why isn't the CFPB appropriately managing these complaints? It's not as though there is any power to the CFPB as is ; I still have to go to court over such matters to get resolution, but claiming that people are filing duplicate complaints when they aren't smacks of more insider government pandering to corporations that are simply lying. I paid my bill, and it needs to be noted appropriately. It's that simple. Please don't make it more complex than that, CFPB and Citibank.

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 03/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My checking account was compromised by Wells Fargo. I began with a balance of XXXX. I drove to Wells Fargo e the with a friend because my mechanic charged me XXXX to fix my XXXX. As I gave the Teller my ID and Check she stated my account was XXXX XXXXXXXX. She said XXXX XXXX was paid and I never authorized Wells Fargo to steal my money. 
Then she said because my checking account Sat idle fees were assessed but these fees were a violation of my disclosure agreement. Because I made a written and verbal communication complaints. My checking account was closed with a negative balance. 
Therefore, because my Rights have been violated by Wells Fargo refusing to refund my monies that I didn't authorize I'm requesting punitive damages and investigation.

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 07/26/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX has placed a collection debt on my credit report for XXXX bureaus in the amount of {$1600.00}. I do not owe this debt. I ended my contract early and relocated to T mobile. Then XXXX charged me for the total amount of the contract. when I dispute this account with the credit bureaus the dispute comes back verified. when I dispute the account with the Collection agency XXXX I do n't received any proof that I owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Struggling to pay mortgage

Complaint: As of XXXX XXXX I received a statement from XXXX XXXX Mortgage to pay for VA XXXX XXXX charges and fees of {$7500.00} as I have been waiting for VA XXXX underwriters approvals for my VA XXXX XXXX since XXXX XXXX till Present. 
I can not pay {$7500.00} for VA Mortgage or VA XXXX modification Fees and property Inspections charges and fees. 
Why is XXXX XXXX Mortgage investors Underwriters stalling to approve and make my VA Mortgage affordable under {$7000.00} - {$1800.00} a month.? 
It appears that XXXX XXXX Mortgage is continuing to Retaliate and Discriminate me as a Cuban-American XXXX Military Veteran.and Plus my XXXX Lifetime status. 
I am waiting for the new VA affordable Mortgage payment so I can start making my timely payments starting XXXX XXXX. 
Also in due of respect to First XXXX Mortgage I have told lender administration in writing and verbally phone conversations that I do n't have no Attorney representing me of XXXX, Texas Attorney XXXX XXXX. He is no longer my attorney. 
XXXX XXXX was my representing attorney for Bankruptcy XXXX XXXX on XXXX XXXX. 
Lender keeps Retaliating me with adding attorney XXXX XXXX on their letters and statements. 
Why lender keeps doing this to me because I keep filing complaints and I am XXXX or by showing Consumer Financial Protection that Attorney still active?. 
This is false and fraud on XXXX statements to Federal Government. 
Federal Government can confirm with XXXX, Texas Attorney XXXX XXXX is not my representing Attorneys. Here is the contact phone number XXXX for their legal firm in XXXX, Texas. Their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX VA XXXX modification approval has been halted over 60 days and now is another 30 days for VA XXXX approval and Lender wants me to pay {$7500.00} in which I do n't have and can not afford to pay. 
It appears that VA XXXX wants to " Foreclose my home on XXXX XXXX so lender does n't have to worry about the wrongful and unlawful acts of Frauds and escrow and VA XXXX. 
I am XXXX Lifetime and Retired and Divorced and I live alone in my home and limited XXXX Lifetime Income Pension Retirement. 
I am not eligible for Social Security Benefits. I am XXXX XXXX XXXX and I was denied Social Security Benefits. 
VA XXXX can come and inspect my home with Federal Government. 
This is a Very Urgent Matters ..

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not 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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: In the last 6 months I have had to dispute information on my credit report 3 times with Trans Union. As of today they are not reporting my payment history within in the last 30 days and they dropped my score XXXX points with no apparent reason and did not address it in my latest dispute. This is negligence on their part that has a negative impact on my credit report and ability to obtain credit. Seeking a recommendation for a financial remedy.

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 03-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: on XX/XX/2018 I received notice of an XXXX computer ordered on my XXXX account. I called customer service and cancelled the order and the credit card that was opened in my name in fraud. I then received the card and called Syncrony Bank and again cancelled the card and closed the account as fraud. 
I have systamatically changed all my login passwords to hinder the thief that tried to do this 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 non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. Bankruptcy XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Inquiries 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/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened case # XXXX which you closed without resolution of the problem. Chase opened this credit card without following the 7 year fraud alert on each of the 3 credit reporting agencies. There are explicit instructions that I must be contacted at the phone number listed on the 3 credit reporting agencies. Chase never contacted me and opened the credit card in question ignoring the 7 year fraud alert instructions. I have repeatedly called Chase fraud department for an explanation and they have none. I want them held responsible for this irresponsible action which could have resulted in serious consequences to me had I not acted quickly to close the account. Chase did correct the fraudulent credit card with the credit reporting agencies but this is much more serious. Why would the case be closed when this serious issue was not addressed by CFPB? This activity by Chase should be made available to consumers. In the letter to me from Chase dated XX/XX/2017 the address card number ending in XXXX which was NEVER questioned in my original complaint. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX was included in bankruptcy and discharged it was listed as in collectionsI disputed it and they correct it then a month later it comes back as in collections open with a balance causeing a XXXX point drop in my fico score. 
I have disputed this XXXX times with them and it gets corrected then goes back to being reported wrongI want this account deleted as it appears eith they or kay continues to do me harm by doing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I asked for some deferment or forbearance for my private student loans while I am serving in the XXXX XXXX but they say they can not defer for more than 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask XXXX XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX XXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

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 07/17/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied to Chase for a home loan, because I also bank at Chase. 

Since initiating the application, the loan officer had been difficult to reach, when I have had questions about the process, or when I had problems with the online application itself, that he sent me to fill out. 
He ignored several text messages and voice messages, that I sent, either requesting help, or end to inquire if he received my documentation. 
This behaved as if he were doing me a favor by calls and patronizing me when he did ever answer the phone. I texted that I wanted to look elsewhere for a lender. THEN, he started hslf-way answering calls and messages and Told me how much more competitive his business is than other companies. I changed my mind and decided to give him another opportunity to work. 

XXXX days ago, I requested a good-faith estimate, because I was on a time-line with the house 's contract. I called him and advised him off my predicament with the realtor needing a good-faith estimate, in order to amend the contract. 
I asked him for a ballpark figure, just so that I could communicate with the realtor. I stressed the urgency of the situation. 
His response was, " I do n't my computer in front of me. I need to do a lot of research! I am at XXXX 's, in the checkout line! ... do n't worry. I will lock in your rate and get you a good-faith estimate. " He had already announced to me, that I could call him " anytime '', if I had questions. Yet, he treated me like I was bothering him, and like he was too important to treat me with respect. Had me feeling like I was being jhim for the money for this house. 
Just before writing this complaint, I contacted the loan officer, via text and advised him that I no longer want to work him. I advised him that I think good-faith estimates and " locked -in '' rates are XXXX different things. 
I feel like he is playing upon my ignorance, or rather my supposed ignorance, because I am a XXXX home buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received multiple telephone calls from XXXX XXXX XXXX XXXX. They stated I defaulted on a payday loan from 2011. I inquired where, when and what company the loan was through the agent then said they would just take me to Court and hung up. I called back and an agent identified the Company as First Recovery. I asked for their address and agents name she refused to give it. I told them not to contact me again and to contact me through my attorney. I told them that I wanted my attorney to send them a letter and she hung up. They have the last XXXX of my SS # and the last XXXX numbers of my bank account. I believe this is a scam as I have never received written notice from them.

Company response to consumer: Untimely response
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage from XXXX XXXX was sold to Ditech Financial XXXX this year, but not before making a mistake on the Escrow Analysis that raised my payments almost {$200.00} a month. I call Ditech in XXXX and informed them of the error, but they informed me they could not do anything for 45 days. I was sent a letter from Ditech informing me to send a check for the first payment, and Auto-pay would be implemented the following month. I did that very thing. The check cleared on XXXX XXXX, but my account was not credited. I later received a notice from Ditech Collections citing my payment past due. After numerous phone calls, XXXX representative was very helpful to me and discovered my payment had been credited to the wrong account ( this was the first part of XXXX ). She assured me it would be resolved immediately. I also had requested an Escrow Analysis on XXXX XXXX. I received an Escrow statement dated XXXX XXXX citing an overage of {$1900.00}, and a new monthly payment that was about {$3.00} more than my original payment to XXXX. I was to get a refund, but that was to be used for my account if it was not current. I have called Ditech numerous times to check the status of my account, and to date they still have not updated my account and consider it past due. I have not missed a single payment and have provided proof of payment three times. They have consistently told me they " ca n't do anything at this time '' regarding most of my requests. I have been very deliberate in my discussions with them, but have never been insulting nor have I cursed them. Supposedly their phone calls are recorded. Regardless, I have just today received my bill for the XXXX payment, and my account is still listed as past due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (MI).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, XXXX. XXXX Advertised personal loans on line and mentioned upon contact with XXXX on XXXX/XXXX/2016 that I qualified for a loan of up to {$7500.00}. 
Only thing I had to do is have Lexington Law Firm : XXXX XXXX # XXXX XXXX XXXX, XXXX. XXXX Improve my credit and after enrollment with Lexington Law I was guaranteed a loan. It is a Scam because they both do n't answer the phones to cancel service. There has been no loan just a setup to have consumers enroll in a credit repair service for a charge of {$14.00} and {$99.00} a month. That you can pay with the loan proceeds. Contact at Lexington Law E-mail : XXXXXXXXXXXX XXXX loans are offered it is a scam to force consumers into retaining a credit repair service or Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I currently have mobile service with XXXX and generally pay my bill through my checking account. On XX/XX/XXXX I attempted to pay my bill using a new checking account open XX/XX/XXXX.I was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data Retrieval. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all.

Company response to consumer: Closed with explanation