milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Billing disputes

Complaint: I have been using Citi credit cards for over 8 years and maintained a great credit status, i.e., no late payment and every monthly statement paid in full. This XXXX, Citi suddenly closed all of my credit cards account without an explanation and refused to issue me the cash backs and mileage points that I earned before closure. And even worse, Citi billed me an annual fee for the AT & T card the month it closed my account and refused to refund me on that annual fee, which was pre-charged for year 2017 and when Citi failed to provide further credit card service. 
Citi failed to provide a reason on why my accounts were closed, and responded arrogantly when inquired, twice. Citi failed to realize the fact their customer service encouraged me making more utilization of Citi cards over other credit cards like XXXX or XXXX ( before closure ) is the reason I shifted my major spending to Citi cards. Also Citi failed to see my opportunity cost of using Citi cards against other cards and refused to issue my EARNED mileage points and cash back, i.e., I could have been using XXXX cards and accumulating XXXX membership points. 
My request from Citi is following : 1. Refund the prepaid annual fee of AT & T in full as Citi no longer be able to provide service on this card and ; 2. Issue the Thank You points and cash back that I EARNED. 
3. Explain why my accounts had been closed when I had no late payment or a statement not paid in full since the beginning of my credit history.

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 monetary relief
Consumer complaint received 04-11-2017 about Credit card () with DISCOVER BANK (WI).
Issue: Closing/Cancelling account

Complaint: My Aunt passed away on XX/XX/2016 we had a joint credit card with Discover Card. For months I have been trying to cancel the card, the bill and get a check from Discover Card for the {$32.00} credit balance. Despite my mnthly calls I can not get them to take corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX from GE Capital with synchrony bank ( chevron/texaco ) cards called this morning. XXXXThis is 3rd time I have stated we went with freedom debt relief and the account was with them now. He always wants me to pay past due amounts. I asked him again for the third time not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have tried several time to get an account- XXXX XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX 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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : 1.   XXXX   XXXX    XX/XX/XXXX   2 .   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   3.   XXXX   XX/XX/XXXX  4.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   5.    XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX     XX/XX/XXXX  7.   XXXX   XXXX   XXXX    XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX  9.   XXXX   XXXX    XX/XX/XXXX  10.   XXXX   XXXX     XXXX     11 .   XXXX   XXXX   XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: We fell behind two to three payments, we had to take a XXXX payout because Im XXXX. Husband being in the military we only make so much each month. He has gotten phone calls 9 times a day almost 7 days week, customer service has cussed at him several times, we told them we wanted split the payments up between the paychecks, they would not work with us, they have even threatened repossion numerous time even though we keep sending money. Their intrest rates are completely criminal, XXXX XXXX or higher. They have told us we owe 80 days past due when were only two month behind. They say we owe almost XXXX and some change, we been trying to work with them to get a payment assistance help, they wont help give any kind of breathing room, Im veteran and my husband is active duty and were only working off his income right now. Santanderconsumer USA has been unprofessional and has not been running a good business if you check the reviews on google hardly anyone has anything good to say about them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been trying to close on my property and have a willing buyer. Time is of the essence and I am also in bankruptcy so I need it to close. I have asked green tree to submit payoff information multiple times. I made a payment in this loan XXXX XXXX, 2015 and asked for a payoff for XXXX XXXX at that time. It 's the XXXX of XXXX and their attorney does not have it and I have not received it nor did my title company. I 've called multiple times. I 've emailed them. What else am I supposed to do? They act like time is not of the essence, yet they are the first to send threatening letters when they do n't get a payment. They have no clear way of ordering a payoff or knowing that the order is being processed. The end result if I do n't get this payoff by tomorrow is I 'm going to loose my buyer and the property will go into forclosure all because I 've been trying to contact them to get a payoff that they do n't seem to want to provide or are too incompetent to know what to do. How is it that I have spoken with XXXX different people at green tree and none can give me an answer about my payoff? Do n't they want the property to close? Is time not of the essence for them in this real estate transaction? this company is about the most incompetent financial institution I 've ever dealt with and certainly do not have customer service as a priority. You would think they would have payoff information at their finger tips.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Transaction issue

Complaint: Ordered computer from Best Buy with my CITI credit card. {$1700.00} Cancelled order within hours of making it and within B.B XXXX ; documents.Never received product. BB has documented authorizing CITI to refund my money. I have provided CITI with extensive documentation of BB authorizing them to return my money. CITI ignores it even though they have the documentation. Documentation shows that CITI is ignoring it 's own rules by pushing back when I can get my own money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions 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, XXXX FL XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX CUR WAS 60 XP/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XP/XXXX/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 v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, 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 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 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?

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 03-08-2016 about Debt collection (I do not know) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Trouble during payment process

Complaint: i am aware that Ocwen Loan Servicing, llc has violated the CFPA, FDCPA and RESPA. I am also aware that CFPD has filed a enforcement action against Ocwen in XX/XX/. My XXXX account is XXXX. Ocwen continue to make my payments late by posting them days late. They have done this continually for years. They got XXXX payment on XXXX this year, but sent me a letter dated XX/XX/ saying they had not received it yet. They did the same thing in XXXX this year. Sent me a letter XXXX XXXX saying they had not got a payment, but again they gotten it before XXXX. 
They also claim that I now owe over {$6000.00} in late fees. I am requesting a breakdown of all late fees.

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 07-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: Bank of America charged me interest on new purchases in the same statement cycle they were made despite the fact that I paid my previous balance ( a 0 % balance transfer offer not expiring for another month ) in full.

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 monetary relief
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (FL).
Issue: Struggling to pay your loan

Complaint: Took out loan in distress. Later contacted company to halt payday withdrawals as I could not afford them. Requested multiple times to cease all contact to me. Failed to do so harasses me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I have contacted beneficial about releasing a lien that should have been removed since 2003, I have called and faxed requests and unable to get someone to help me. The representative is stating they will send a release to the local court house, I had a local title company search and still show a lien, whywhy have the taken so long to release it, it is still showing a lien by beneficial hsbchsbc

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The firm XXXX violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I found the following inquiries that were not authorized by me that are currently reflecting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX I have previously submitted documentation to TransUnion verifying that I am a victim of identity theft along with the police report number from the report I filed with the XXXX Police Department.

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 09-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: To whom this may concern, I am worried that either through identity theft or inappropriate account management a number of unauthorized Wells Fargo & Company accounts may have been opened without my permission. 

I kindly ask that Wells Fargo & Company provide me with all of the current and former account numbers opened using my personal information and the signed contracts / deposit agreements authorizing the opening of those accounts. 

Sincerely Yours,

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 (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is bank of America. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a bank of America manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to bank of America ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. Bank of America did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: we have a mortgage with PNC Bank, which is the only loan on our single family, primary residence home. We simply want them to send us monthly statements on this loan. Let me give you some background on this loan. when we took the loan out in XXXX, it was originally with National City Bank, and it was a 20 year, fixed rate second mortgage. In XXXX, we did file bankruptcy and we did not re affirm the loan at that time, but we were never late or missed a payment. When PNC took over National City Bank, they did reach out and offer us a loan modification, which we took them up on, and as part of the loan modifiaction agreement was we had to re affirm the loa, which we had no problem with. 
The issue we are currently having is that theywill not send us out a mothly statement as required by federal regulations.

Company response to consumer: Closed with explanation