milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing disputes

Complaint: I disputed a charge on my Citi credit card via their online system in XXXX 2016. The card carried no balance expect for this disputed charge. I called every month for 5 months and kept being directed that the case was noted and that some XXXX from billing disputes would contact me regarding the referenced charge. Meanwhile the XXXX $ disputed charge gathered interest and late fees for over 100 days. Citi reported to the credit bureaus and my Credit score dropped XXXX points! I still have no resolution and have sent certified letters to Citi Billing Disputes.

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 03-01-2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (NV).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XX/XX/2017, at XXXX am ( XXXX ) I received a call from someone asking me to provide my attorney 's name because I 've been sued for a debt. I asked who he was calling on behalf of an he stated he was calling from Weinberg Mediation for XXXX. He woke me up from sleep, as it was so early in the morning my time, and I told him that it 's XXXX am, why are you calling. I also said I 've never heard of the company or owe a debt he was speaking of. I asked him not to call me on wireless, and hung up. At XXXX pm ( XXXX ) the same phone number called again XXXX, but I was at work so I did n't answer. The same number called again at XXXX pm ( XXXX ) and left a detailed message with part of my social security number on the voice mail. On my lunch break I called the number back and asked them why they are calling me. I told them I do n't know what account they are talking about and please stop calling my wireless. The agent hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I co-signed on a car with my husband in XXXX 2011. The car has been since repossessed. It was a XXXX XXXX. Ally Financial is reporting the balance of {$16000.00} as past due every month as well as derogatory. I am not past due on an account that is in collections and closed. Once the car was repossessed, there is no longer an agreement in place. I have worked with ALLY to quit reporting this account as past due as I do not have a current agreement with them but they will not. This is unsatisfactory business practices.

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 11-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have received on XXXX/XXXX/2015 letter dated XXXX/XXXX/2015 from OCWEN LOAN SERVICING , LLC informing that my Mortgage number XXXX was transfer to another Finance Company XXXX XXXX XXXX, XXXX. 
Information from the new Company XXXX XXXX XXXX, XXXX is incomplete and is not allowed to contact any body from that Company to continue my payments. 
Attached you can see letter received. 
Additional problem is OCWEN LOAN SERVICING , LLC has not clarified information requested before for payment modification that includes additional amount for {$710.00}. 
Could you please help me to : a ) Ash them to clarify where I Can pay my mortgage loan, because was due date XXXX/XXXX/2015 and they did not accepted my payment for XXXX. 
b ) Review all information for the modification that was not clarified for the additional amount for {$710.00}. 
ThanksXXXX XXXX XXXX XXXX, XXXX, Tx. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have filled out loan modification paperwork with Ocwen Loan on numerous occasions, trying to get my mortgage modified. I am upside down on the mortgage and have been having problems making payments. Every time that I fill out the paperwork and send it in, they always send me a letter back stating that " IRS Form XXXX needs to be resent ''. I keep sending it back in, only to get a letter back stating I need to resend it again. Is this their way of not wanting to do a modification and think that after time, I will get tired of constantly sending this in?

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
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: Experian reports 30 days delinquent account of XXXX XXXX XXXX. I never pay late the mortgage.

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 11/13/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit determination

Complaint: THE COMPANY SHOWED A 30 DAY LATE IN XX/XX/XXXX. THE COMPANY ALSO SHOWED A 90 DAY LATE IN XX/XX/XXXX. THE PAYMENT WAS NOT LATE, IT WAS MADE ON TIME. I HAVE MADE NUMEROUS ATTEMPTS TO RECTIFY THE MATTER BY SHOWING ITS INCORRECT WITH THE COMPANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: In the wake of the XXXX security breach, I set out to freeze my credit accounts. I have steadfastly been unable to do this with XXXX, either online or over the phone. Same with XXXX. I was able to successfully freeze my accounts with Transunion and XXXX. 

Furthermore, my only option for protecting my XXXX XXXX by freezing my credit involves paying the same companies money that lost my data in the first place. It 's a modern day " Say, that sure is a nice social security number you got there. Shame if something bad were to happen to it '' sort of shake-down.

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 01-12-2017 about Debt collection (Auto) with Vital Solutions, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a letter from stern recovery on  XXXX  saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now  XXXX   XXXX  and they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Approved for permanent modification with ocwen loan servicing, One day you call them and they say there are no fees owed.. The next day you call them there are fees. Inspection fees ... .What are they inspecting? and why do they charge me for this. Additionally, paid all trial payments on time, credit report reflects current for those months. After trial period was over still making payments now credit report says 180 days past due. Called ocwen and they say I 'm current. Their own website does n't even reflect this it says I 'm XXXX past due. Who am I supposed to believe. Need to hire lawyer in order that they accepted my documents for the modification. They turned down the documents XXXX times before I got the lawyer and threatened to sue. Getting really tired of dealing with this company. They are very unorganized to the point that it 's obvious. There are so many discrepancies for my account on their website that it 's laughable .... There are numerous different amounts stated that I owe. Let me see ... Eeny, meeny, miny, moe which one shall I choose. Only in business to rip good hardworking people off. This company is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NY).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX, the refinancing of my Citibank , N.A . home equity line of credit ( known as a " Variable Rate Equity Source Account '' ) was completed. This was a typical no-costs refinancing, as indicated in the closing Disclosure Statement which listed each of the specific individual Closing Costs, and provided that these costs would be paid by Citibank. Later, on XX/XX/XXXX, I received a final Statement from Citibank for my paid off account, which included a line item called Early Closure Fee in the amount of {$3200.00}. I immediately contacted the Citibank Mortgage Loan Coordinator with whom I worked on the refinancing from application through closure. This Early Closure Fee was not mentioned in the closing Disclosure Statement or any of the other closing documents, was never mentioned at any time by the Mortgage Loan Coordinator after numerous emails and phone calls discussing the terms and details of the refinancing, always assuring me that there were no other costs involved in the refinancing. I would have never even have discovered this Fee, which was simply added to the closing Payoff Amount, if I had not reviewed the final Citibank statement that was mailed almost 3 weeks after the closing. For the next month, I emailed back and forth with the Mortgage Loan Coordinator, who admitted " It was my responsibility to catch that, and somehow it slipped by me, '' followed by emails assuring me that she was working with her managers, and assuring me that the matter was diligently being worked on and that I would hear from them. But since her last email to me of XX/XX/XXXX, there have been no more replies to my requests for an update. A number of times I requested contact information for her managers or others to whom I could escalate the issue, but she did not provide that information. Your help in resolving this matter would be greatly appreciated.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Due to XXXX XXXX keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until Experian sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED XXXX credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. XXXX XXXX denies any further fraud after their investigations. I will forward copies of all of it to CFPB.

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 05/20/2016 about Debt collection (Medical) with Monterey Financial Services LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2014 my doctor requested that I receive a screening from a company called XXXX XXXX XXXX ( XXXX ) The marketing material provided there would be no cost to me as the patient if my insurance company did not pay the bill. Subsequently, XXXX was found in violation of the Fair Claims Act by attempting to defraud insurance companies and Medicare, and by providing kick-backs to prescribing doctors.They were forced to pay millions in fines and were forced into bankruptcy. 
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We had a mortgage loan with ocwen loan servicing llc, we sold the house and pay off the loan at the closing day XXXX XXXX 2015, the same time, we paid all our property taxes, but ( 1 ), ocwen loan llc still withdraw our monthly payment from our bank, after we made several calls, they wired the payment back to our bank but costed us {$30.00} wire fee ( we asked to send us a check ), we asked them to respond for the {$30.00} wire fee, they have not respond yet. ( 2 ), after we payoff our loan, there are {$2700.00} in our escrow account, but ocwen only return us {$330.00}, short {$2400.00}, ocwen said the {$2400.00} paid to XXXX county taxes, but on the closing day, we already paid full taxes, and the closing day is not the day they pay any taxes, now they own us {$2400.00}, we made many many calls, they still do not return our money, and we already called our county tax department, they have not received this payment and will not take it, please help us to get our escrow money {$2400.00} back, every time we call, they say they are working on it for us keep waiting, the escalation officer XXXX never answer our call and return our voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/16 Capital One agreed to settle my credit card account for {$800.00}. The {$800.00} was paid through my spouses bank account on XXXX/XXXX/16, which cleared the bank on XXXX/XXXX/16. On XXXX/XXXX/16 Capital One took {$75.00} from my bank account with no authorization to do so, the account was settled. I called in on XXXX/XXXX/16 to advise that an unauthorized payment was taken out of my bank acxount and the account with Capital One was settled out on XXXX/XXXX/16. I requested the funds be credited back that same day. The manager advised that it would take 15 days to be credited. 15-days expired on XXXX/XXXX/16 and as of today XXXX/XXXX/16 the funds have not been credited back to my bank account. I need assistance and I want to make sure this does not happen to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax and  XXXX  wo n't give credit report online, but experien did.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: Again have n't answered my question.. 
Are you connected to Banko Santander that failed the Federal Reserve stress test? 
Are you the company that lost a class action suit for repossessing american soldiers autos when they were XXXX? 
Are you the company who lost a class action suit in regard to securities? I have made a XX/XX/XXXX payment for monthly payment partial payment and late fees ... please applt appropiatly ie ... DO Not apply partial /late fees to interest want to know how many loan companies you have in U.S.A .

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: all of the above- trying to force me to pay interest when accounts were under legal advisement of uprigth law for chXXXX. two accounts- one sent to lvnv one sent to XXXX ( a known credit XXXX ) refuses to manage accounts once resold. harassed my cell for over 120K, then continued to do it after sending em a letter saying theyd stop. forces people ( as do many others ) to allow roto-dialers and spam which is extortion and illegal. banks are doing this now ( XXXX, XXXX etc. ) I ever consented to this ABUSE. 
resold the debt after atty hired. refuses to manage to rebuy it back. LVNV non responsive but sent me this note from a so called law firm w letterhead that now also is not responding. ( claims of not a lawyer-they y use letterhead-this is a threat ) will not settle accounts and wants my lawyer info in order to do so ( continuous extortion ) refuses to purge info from credit files ( 5 ) and continues to defame me

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: An over payment of approximately {$1100.00} was made to XXXX on XXXX XXXX XX/XX/2015 as final payment on a mortgage. Citizens claimed to have sent a refund of that check to my home address for that amount within 10 days of receipt of the over payment. I did not receive it. I called to request a new check. Citizen 's customer support advised that a new payment would be sent out. By XXXX XXXX, I had not received a check. I called again and was told to send a request for a new payment in writing to Citizens Bank NA, XXXX XXXX XXXX. XXXX in XXXX, RI. I did so on XXXX/XXXX/XX/XX/2015 by means of both fax and XXXX post. On or about XXXX XXXX I followed with a phone call to Customer service and was advised that my request followed too closely to the matter of the previously mailed check, but that that Customer Service representative put in a special request to have a check sent out during our phone call. He advised that I call back to confirm the action had taken place and get further information as to when to expect the check. I called back again on XXXX XXXX. I was advised by Customer Service that no change had been processed and no check had been reissued. I was directed to call back again within 3 days. This issue has wasted my time and I am still without my money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options?

Company response to consumer: Closed with explanation