milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Arbitration

Complaint: I received a Costco-branded Citi-issued visa card as part of my membership, Costco having changed its affiliation from XXXX to Citi-visa. Upon receipt of the documentation, I immediately sent Citi on XXXX XXXX, XXXX a letter seeking to opt out of the mandatory requirement that all disputes be submitted to binding arbitration. When I received the actual credit card, I reached out to the Citi-Visa representatives to seek confirmation that my opt-out letter was received and acknowledged. I did this because of any earlier issue in XXXX wherein Citi failed to acknowledge an opt-out of binding arbitration for XXXX of its issued master cards, and when they refused to acknowledge my written opt out, I terminated that account. 
When I was told that I had sent my Costco Citi-visa opt out letter to the wrong XXXX XXXX XXXX I again sent a letter on XXXX XXXX to the XXXX XXXX I was now directed to and upon further inquiry, was told that my opt out had not been received and would not be acknowledged. I sent a third opt-out letter on XXXX XXXX which to date has not been acknowledged.. I was promised by numerous representatives that I would receive some written communication advising me of my status but to date, none has been received. I have not activated the account as I do not want to be bound by onerous terms and conditions of mandatory arbitration from which I have sought exclusion. 
Costco only takes XXXX as a credit card and their branded XXXX affords rebates for Costco and other purchases, which I am not able to enjoy because of the actions of Citi.

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 11/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: No choice accurately describes my issue with Equifax. I received notice from XXXX ( through an initial fraud alert ) that my address had changed at Equifax. I tried to call them to get it changed back. A ) they are darned near impossible to get a hold of and B ) when you do actually get a human being, they quickly disconnect/hang up you. Also, if you want to initiate a fraud alert through their website, they charge you a fee which they are n't supposed to do. I was able to set up one through their automated telephone system but when it was supposed to transfer me to a live human being, it hung up on me instead. So basically, there is no way to contact Equifax to fix my credit reporting. Also, while you are on hold for 30+ minutes, EVERY 10 SECONDS they tell you to go to the website instead.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Settlement process and costs

Complaint: I am a homeowner who had a fire on XX/XX/2016, complete rebuilding of my home, XXXX XXXX held my money, then later sold it to Nation Star Mortgage out of XXXX, we had an inspection 5 weeks ago and they will still NOT release our money to keep building. I am from XXXX and the weather conditions in the northeast could really hurt us if we do not get this finished, we were written up at that time being XXXX % done and we gave Nation Star everything they have asked EXCEPT the contractor 's license because in the state of Massachusetts the homeowner can be the contractor and sub contract everything out, they said flat out they will NOT release my money to me unless we hire a licensed contractor. In my opinion, this fraud, extortion, they have no right to hold MY money. They said it was their policy but they had no proof to show us, even if it was their policy the XXXX law states we do not need a license. XXXX who had our original mortgage when the house burned, had no problem releasing money to us. I do n't know how Nation Star can get away with this ... .we have lost time from work my husband put his job on hold to get this house done before the cold weather comes and NOW we have these people just hold our money just because they want to .... we are at our wits end and do n't know where to turn, please help. I have had XXXX since the fire, my husband probably will not have a job to go back to because we are now 8 weeks behind schedule and my children have been jeopardizing their jobs to try to call these people ( who customer service speaks hardly any English ) I have never been late for a mortgage payment. I have a high credit score and now they are forcing me to make bills that I should n't have to make now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Consumer Loan (Installment loan) with Bridgecrest Acceptance Corporation (GA).
Issue: Managing the loan or lease

Complaint: i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments

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 04/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing received my loan in XXXX XXXX XXXX XXXX Ocwen representatives told me not to make a payment or it will be returned because I was in default. This was impossible because my mortgage was paid up to date and I had to track the location of my mortgage. It was transferred from Homeward to XXXX to Ocwen. After many attempts to correct this and attempts at refinancing to keep my house in play, I eventually I acquired an email in XXXX from Ocwen 's ombudsman stating that I was not in default XXXX XXXX but they could find no recording of their representatives stating their instructions to not pay. However, I have made recordings. My mortgage has not been accepted since then and now Ocwen has attempted to foreclose on my property several times by adding inspection fees, late fees and reporting to the credit bureaus. The fees have added up and the stress is debilitating. When I wrote a letter to Ocwen through Ocwen lawyers threatening to report Ocwen with the recordings to additional authorities and law enforcement authorities. Ocwen had a lawyer contact me to settle with me but the aspects of the proposed settlement benefit Ocwen only. They acted as if they had done no damage to me nor to my account. Ocwen must be stopped and made to remedy their thievery. 
I will pose again to our State and Federal agencies, that Ocwen be investigated as an internal XXXX XXXX threat.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Fraud or scam

Complaint: I attempted to send cryptocurrency worth {$750.00} to my USD wallet and the funds were never received. This happened a week ago on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Medical) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The California Service Bureau contacted me XXXX XXXX, 2015 to advise me of an alleged unpaid bill for {$34.00} ( Creditor " XXXX XXXX XXXX XXXX Region '' ). I responded to their XXXX XXXX, 2015 inquiry immediately asking what the charge was for, and who authorized them to attempt the collection. I called CSB and got them to provide contact information and proof of authorization. I 've now received a XXXX letter from CSB, notifying me that I have been charged interest ( {$1.00} ), I contacted the healthcare provider 's office and was given contact information for their Billing Office. The doctor 's billing office was unable to find any unpaid or past due bills relative to my name or account. CSB has not responded to my request that they provide specific information to me concerning the path of this questionable charge. To date, they have not supplied me any proof of this bill, or any proof of their legal assignment to collect alleged monies from me on behalf of their medical client.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: Working with Sun West Mortgage through XXXX XXXX. I have been waiting weeks for a Closing Disclosure. I 've extended the financial contingency / contract agreement several times due to slow response and to avoid losing the opportunity to purchase the home. Due to the distressed status of the property, I was required to make repairs so that the home would fall under FHA guidelines - the repairs amount to over {$1000.00}. If the loan funds are not dispersed to the seller - I risk losing my appraisal fees, repair fees and time and money spent packing up my current home. XXXX XXXX is the representative on the Sun West Mortgage side. Also, XXXX XXXX is the representative of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: The loan company, Navient, is lying about their Internship/Fellowship Deferment program. They did not want to accept my deferment paper because their lack of understanding on how my internship deals with my career. Frankly, it seems like they do not want to accept my deferment because they are money-hungry. However, this internship helps me get the type of job I need in order to pay them back. Navient does not want to give a clear-cut reason on why they do not want to accept my internship deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my Equifax and XXXX credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from Equifax, XXXX and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with The Best Service Co.,Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.

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 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have tried to contact Navient 5 times to resolve the issue of Teacher Loan Forgiveness. During that time they have told me a number of things that I know to be incorrect, such as " You must serve 5 more years from the day you apply a payment to your account in order to be eligible for teacher loan forgiveness. '' I know that this is untrue, as it is the years I spent XXXX TO earn the XXXX award, not when I use it. It states this on the Federal Student Teacher Loan forgiveness page. They have denied my forbearance request and even claimed that I am not eligible for teacher loan forgiveness at all. When I quoted the website and a conversation to refute these claims, they suggested that I contact XXXX, the guarantor. When I contacted XXXX they answered the phone as 'Navient. ' When I asked for clarification, they gave me another number. I asked, " Is this for XXXX? '' They said, " yes. '' When I called that number, it was the XXXX line. I am fed up and have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received correspondence by a debt collector to collect a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: I use online banking for bill paying. A payment went to my son 's apartment for his rent and was apparently stolen since the facility never received the check. The funds came out of my account and the check was clearly not endorsed by the facility as previous checks had been. I called Sun Trust fraud XXXX XXXX to explain this issue. I have called, gone into the branch numerous times and still after calling today have no resolution. I had to pay the rent again since the facility needed the payment. I am out the {$710.00} and Sun Trust keeps giving me the run around as to why I was not refunded the money.

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 07-10-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have consistently provided clear claims for each of my disputes against the unfair credit reporting practices of Equifax, XXXX. I have filed all necessary complaints to dispute the purported XXXX delinquent account. Each bureau has reported back that " XXXX has verified that the account belongs to me. '' That is not the nature of my dispute, and is legally insufficient to justify leaving that inaccurate record on my credit report. The FCRA and FCBA state clearly that whether an account belongs to the intended person or not, if the account information is wrong then it must be deleted. That is the issue at hand. I have submitted a demand for reinvestigation in full accordance with the FCRA and requested the immediate placement of a consumer statement XXXX less than XXXX words XXXX on my credit report with specific regard to this purported accurate account reported by XXXX XXXX. I am submitting this complaint because Equifax, XXXX have all failed in acknowledging and properly processing my demand for reinvestigation. So I 'm submitting it again and I 've cited the specific federal statute that allows for my consumer statement and reinvestigation into the purported delinquent account reported by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with National Credit Systems,Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has wrongfully placed an account in collections. XXXX has indicated that I owed {$1700.00} for water bills at XXXX. This is absolutely false. All of the bills were in good standing upon leaving. This company bulldogged and bullied me into leaving the property. They initiated an eviction on me when all of the rents were paid on time. Elite home management has placed this account in collection with National Credit Systems. I would like this account removed from collections immediately. Attached is full documentation that this account was paid in full. Additionally, XXXX kept my deposit. I would like to request my deposit be returned as I left the property in good standing and was NEVER late paying monthly rent. Please see all attached documentation. Furthermore, the claim that XXXX is stating I owe monies for a water bill is false. The amount started in XXXX of 2012. The account was never placed in my name and started with a balance of over {$700.00}! XXXX presented false documents to the court in order to have me evicted from the property. I 'm requesting that this is immediately removed from my credit report and handled outside of a credit reporting agency as these claims are false!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (CA).
Issue: Managing the loan or lease

Complaint: I took a loan from speedy cash which i paid in full. and retook another one. on XXXX/XXXX/15 they sent and e-mail saying there was a mistake in the XXXX loans but did n't clarify what it was. i kept e-mailing asking for account status and never received it in an e-mail. they charged my account without my authorization ( i contacted the bank and they reversed it ) they never sent me an account balance, instead they sent it to collection with the wrong amount and they wo n't fix it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 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: Account status incorrect

Complaint: ( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that XXXX, specifically XXXX credit card/ XXXX XXXX card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XX/XX/2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ). 
I discovered this when I received TWO outside credit monitoring reports showing that XXXX had reported my account as delinquent to TransUnion, XXXX and to XXXX, resulting in damage to my credit rating. 
They also charged me two months worth of late fees 9 $ XXXX/mo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that XXXX communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.

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 11-02-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I request a Home Depot credit card ( HDCC ) approximately two and a half year ago, but i never received a letter to granted or decline. In XX/XX/XXXX when i purchase my house, I found out about HDCC, after that I call several time to request the CC but I only received a Fraud Dept. Letter from HDCC to confirm my identity, after I call them and give the code they supposed to send my the CC but never received. 
On XX/XX/XXXX I call the Executive response Office from HDCC to verify the status of my complaint and the address was correct. Today XX/XX/XXXX I spoke to XXXX my case manager about my account number to make a payment, on Purchase that I did on store without the CC, and she told me that they received a letter on mail requesting change my address to a XXXX XXXX XXXX, XXXX. 
At that point I told then it was n't me and I fill a compliant with the XXXX Sheriff Department case # XXXX. 
This company was very neglect from the begging on this account they never sent a letter to confirm the account compromise my Credit report and at this point I never received the CC I do n't have Acct Number, Phone # ( XXXX ) ( XXXX ) they can find my acct using my cel #

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