milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX my company gave a check to a tenant as a refund for the deposit that he did when rented the apartment to the company. He cash the check sending a picture to his bank on XXXX and my bank ( Citibank ) paid the check. He sent again the check picture on XXXX and it was paid again by my bank he sent again the same check on XXXX and it was paid again on XXXX was paid again. On XXXX was paid again. On XXXX was paid again. On XXXX he altered the number of the check but only on the top right side, not at the bottom and it was paid again. On XXXX he presented again the check and was paid by the last time. In total the same check of {$950.00} was paid 8 times by the bank. 
I think Citibank fail in their responsibility of checking that : the check number was paid before and the check number was repeated, XXXX times the check number was altered and the check were expired and paid after 6 month of the date in the check. After presenting a complaint in Citibank when i discovered all of this when I was preparing the report to pay taxes al XX/XX/XXXX, they oficially didnt answer up to now but the manager of the office in XXXX say that after 30 days they are nor responsibles of what they did and that they will not refund me my money and wont prosecute to the person that did it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We have a credit card through XXXX that closed in 2012 in the amount of {$6200.00}. 
The account was sold to Midland Funding, and they have since been charging interest on the account as if it is still open, but we have documentation from XXXX that this account was closed. Since purchasing this account from XXXX Midland has added more than {$1000.00} extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra {$1000.00} that we do not owe. I have spoken to XXXX and this account was sold in XXXX of 2012 and Midland purchased it in XXXX of 2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to XXXX to have them give us all the information. Why are they charging more money when the account has been closed since 2012? Documentation from XXXX will be provided along with my credit record showing that Midland is charging on this account still.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with M.A.R.S., Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I AM GETTING REPEATED PHONE CALLS TO MY JOB

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid my final balance with XXXX XXXX and they have said they have requested in XX/XX/XXXX to remove the account from my credit report but as of XX/XX/XXXX it has still been showing. please rectify the removal of this from my credit report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX2016 a debt collection in the amount of {$530.00} was added on my credit report by the collection agency Receivables Performance. I have sent in 2 debt validation letters requesting they send me the original signed contract I have with them to validate the debt they have sent letters saying the debt was validating but I'm not provided the information as to how?.

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 06-04-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency Equifax & XXXX I contacted the creditor XXXX XXXX XXXX to get help to resolve this mistake. XXXX XXXX XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at Equifax and XXXX & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XX/XX/XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX Servicing-Office of the President XXXX. Here is what XXXX was told by Equifax " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to Equifax by phone and fax and to XXXX by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both Equifax & XXXX despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX XXXX XXXX and provide contact information for XXXX XXXX at XXXX XXXX XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: my account with XXXX has been settled. originally equifax had the information correct on my report but then changed it to open with a balance of {$400.00}. it should be closed with a zero balance

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had two credit cards with bank of america, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to Bank of America in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that Bank of America reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the bank of america accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

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 07/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX, 2017 I purchased a new vehicle from XXXX XXXX XXXX in XXXX Florida. I traded my XXXX Chrysler 200 in as part of the deal with the dealer promising to pay off said loan with Chrysler Capital while obtaining a new loan with Chrysler On XXXX XXXX, XXXX I learned that not only did the dealer lied, and not pay off my loan some 26 plus days later, but my loan is in default as a result of the dealer misrepresentations. Neither XXXX XXXX nor Chrysler Capital will take action against the dealer for their misrepresentations nor hold them responsibly for the default loan as a result of their delays in paying said loan number XXXX. Not only will my credit be harmed, but no one will correct the situation which was no fault of my own. The dealer needs to be held responsible for this and XXXX XXXX & Chrysler Capital need to sanction said dealer for this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: Earlier this year I was online booking a flight. I found a good flight with XXXX XXXX that worked within the dates and times I needed to travel so I proceeded to book. As I was about to purchase, I received an add to apply for a Citi AAdvantage credit card and receive my checked bags free and some other benefites. I proceeded to apply. I was approved and continued with the purchase to be placed on my new Citi AAvantage card. 
When the transaction was complete, I checked and the tickets were booked for completely different dates than what I selected. I immediately called XXXX and explained the situation. XXXX was very unfriendly and told me that they will not give me credit for the flight as their system would not do, there is a {$200.00} change fee and the flight for the dates I really intended to book ( later in the month ) was almost {$300.00} more per ticket. I asked to speak to supervisors and was told sorry, they could not help me. 
I went back to XXXX online to replicate the situation and after selecting one date and waiting for a while, the system defaulted to a different date. I called back XXXX and explained my experience and they said unfortunately they could n't help me. I wrote to explain and still no help. 
I called Citi Bank to dispute the charge. They were very understanding and gave me a credit for the charge. Then I started to receive bills for the charge. I called back and Citi said they sent me a letter for me to send them a written proof of what happend. I explained that I did not receive any such letter. The supervisor said she will send out other paper work. I finally received, completed and sent back to Citi via mail. 
This has been almost two months ago. I am still receiving bills from Citi stating I am past due with no explanation. 

I belive XXXX and Citi Bank deceptively set up this product to get customers to apply for the carrd and unfairly charge for purchases. I would like my purchase to be credited as I did not use the flight. I was unable to travel on the dates that the flight was booked for. I would like any negative report on my credit bureau cleaned up.

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 10-02-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had water damage in my home in XXXX 2015. The insurance company paid for work to be done, first disbursement check was sent to me and given to the company. The larger part was sent to the mortgage company, It has been a year. The inspector for the mortgage company, did the inspection and agreed the work has been completed. Freedom Mortgage will not release the check to the contractors.

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 03/24/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I can not open up a checking account with any bank do to fraudulent in my past accounts people stealing my debit card

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/XX/XXXX They called me regarding delinquency. I requested cease and desist and advised of who my attorney was. Also referred them to the complaints I had previously placed regarding assumption and modification denial based on miscalculations. 

XX/XX/XXXX received letter from Wells Fargo advising would start foreclosure proceedings would start if not brought current by XX/XX/XXXX. 

XX/XX/XXXX Guy showed up on steps representing Wells Fargo and scared my XXXX XXXX year old daughter. Advised that I had to call Wells Fargo due to delinquency.

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 10-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I received an education award from XXXX onXX/XX/XXXX. That was then sent to XXXX XXXX XXXX on XX/XX/XXXX for {$2300.00} and XXXX/XXXX/XXXX for the amount of {$2300.00}. Contacted XXXX XXXX and they have no record of the payment sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am writing a complaint in regard to Smith, Rouchon & Associates ( SRA ) in regard  to three accounts that are reporting to XXXX and XXXX. I sent a certified letter to SRA in XXXX 2017 requesting debt validation as I am afforded the opportunity to validate any debt that is reported on my credit bureau reports. I also requested at this time HIPPA authorization signed by me allowing SRA to access my medical records. In response to my letter I was not sent any of the requested items afforded to me under the FCRA. I was however sent a letter demanding payment from XXXX XXXX specifically stating " You must pay the debt in full now ''. I have given ample time for the requested validation of debt and HIPPA authorization to be provided as requested to no avail. I will be including a copy of the original letter sent requesting said items and the response letter from SRA. I have not received any further correspondence in regard to these debts from SRA. IN addition I believe one of the debts in the amount of XXXX to be related to a worker 's compesation incident which was already paid by XXXX XXXX. In the state of Mississippi it is illegat to attempt and collect additional monies from a workplace injury victim. If needed I will provide proof of where this debt was paid by XXXX XXXX. I also have the worker 's compensation case number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with KONDAUR CAPITAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We were wrongfully Evicted on   XXXX   XXXX   XXXX    .  Kondaur refuse d to wait until our hearing scheduled  X/XX/17   .  Quash Writ of Possession.  This was unlawful and intentional sabotage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on   XXXX   XXXX  n regards to an account, Timepayment, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on   XXXX   requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.   
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and reta  ined in their file at the time of my request concerning the accounts that they are reporting in my credit report.   According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.
I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.

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 01/17/2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Looking at my credit report on XXXX XXXX 2018 I saw an account in collections and I never gave any company the right to share my information whatsoever. The account is for {$530.00} which is listed on my credit report as account # XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ).

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 03/15/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I short sold our home in XXXX. The home officially was sold on XXXX. Settlement was reached with GreenTree Servicing and account was closed in XX/XX/XXXX. At some point since then Ditech Financial merged or assumed control of GreenTree Servicing. In XX/XX/XXXX Ditech Financial reported to the the credit bureau that we were over 150 days late with payment. As stated before the account was closed in XXXX. I have attempted to resolve this with Ditech repeatedly to no avail. They consistently promise to send me documentation indicating that the mark will be removed from my credit and spelling out there was no missed payment in XXXX. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I speak with them I am told a letter will be generated and emailed to me with 3 business days, however, I have never received anything. I also sent a certified letter to Ditech mailed out on XX/XX/XXXX. I filed a dispute with XXXX credit bureau on XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation