milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: When Costco changed from American Express to Citibank- my balance was high and I decided to close this account and pay it off. I had set up 2 payments of   XXXX   each month with a  XXXX  total payment each month. On   XXXX   XXXX  , Citibank withdrew   XXXX   from my account. When my husband called to complain of the mistake, we were told that they would refund   XXXX   within 3 days. We checked for this with our bank several times and then on   XXXX   XXXX   we noticed that Citibank withdrew another   XXXX   from account. Both times wiping out this account and causing fees for unpaid transactions. When I called the second time I was told the previous refund request was denied due to being over the limit. I also spent 1.5 hours with 4 different folks attempting to resolve the issue ending with a " we 'll call you '' resolution.
I have called my bank and attempted to stop payment on this transaction but it my be too late.
To sum up, within 3 weeks this company has yanked over 2,000 dollars from my account when there was an agreed payment of   XXXX    per month. I have requested to be removed from auto-pay and think the company owes me money to cover fees from the first money yank from my account. I feel that I have tried to work with Citibank and their actions are shifty and dishonest.

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 03-01-2018 about Debt collection (Other debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I canceled my services with XXXX XXXX  is XXXX of XXXX. I was informed that I will receive a bill for the remainder of the month and to provide them with an address to send the final bill to. Once the bill was sent, I received an email from a worker at XXXX XXXX stating that the bill was returned and to provide another address to send the bill to. I didn't deem it necessary because I was and have always paid the bill online or by telephone. 

To my knowledge, my final bill was paid at the close of XXXX in XXXX. I believed this to be true because no one from XXXX XXXX reached out to me via email or telephone to inform me that my bill had an outstanding amount in the total of {$65.00} that was due. 

Months passed and I receive notification from XXXX XXXX informing me that I had a derogatory mark on my credit report issued from Collection Services of Athens on behalf of XXXX XXXX in XXXX of XXXX. 

Neith XXXX XXXX nor Collection Services of Athens informed me that my account was going to or currently in collections. 

I had a hard time giving proof that my bill was paid because the financial institution that was used to pay XXXX XXXX is out of state and when it came to getting statements delivered mail was mishandled and delivered. 

I decided to take a loss, and reach out to Collection Services of Athens and provide them with a 'Pay for Delete ' letter explaining that I would be willing to pay them the amount, {$65.00}, and in return, they will remove that derogatory remark from my credit report. 

Collection Services of Athens has not reached out to me since the letter was sent on XX/XX/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 06-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I enrolled in the XXXX XXXX University ( XXXX ) after responding to advertising that said I would be placed for employment upon graduation earning {$75000.00} per year. I applied for a Federal Student Loan but came to find out I was placed into a high cost private student loan. I hired an attorney. My attorney requested documents from XXXX and from Navient Solutions , Inc. XXXX is refusing to turn over my records and Navient Solutions , Inc. ( XXXX XXXX ), after receiving a request to turn over records sent my co-signor a demand letter threatening a lawsuit. My attorney has since given 30 day notice of my election to arbitrate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Addresses and accounts on all credit reports are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Installment loan) with Concord Servicing Corporation (IL).
Issue: Managing the loan or lease

Complaint: Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Like millions of others, Equifax 's sub-standard security measures and baffling technical incompetence ( eg, not subdomaining their " check status '' website, different certs, plain-text unencrypted data ... ) caused my information to potentially be leaked to unknown parties. 

The solution they offered was to monitor my credit -- - though, given their track record, it 's not surprising that this should be unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems when you are unable to pay

Complaint: I have an account with Honda Financial that is not reporting correct to the credit bureaus. It was a lease I paid it off in full I was only late XXXX payments They reported multiple late pays and I have contacted them over and over to resolve. I have also tried to dispute it through the credit bureaus but it was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have excellent credit and so I applied for a Citi AAdvantage credit card. I was sent a letter that my application was incomplete and could not be processed, but was given no explanation as to what was missing. I filled out the complete form for the credit card online. I tried calling the company and the employee told me there was missing information and that I had to call them back through my house phone. When I did, the company would no longer pick up my call, but a recording said a letter they were sending me would explain more. The second letter just said I was not approved due to missing information. I feel like I input a lot of private and correct information into this application and I was never given any explanation as to why I was not approved. I have checked my credit and it is fine. If there is any other reason I was not approved I believe I have a right to know. The phone number they sent me is a dead end. It asks for my SS # and then hangs up on me so I can not speak with anyone. I am afraid that this company has all my private information. What can I do?

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 05/13/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this account twice and requested validation not verification of this account. I just keep receiving a bill with my name and balanced owed. I have no knowledge of this account and requested my signature on documents that obligates me to pay the bill. I also requested delinquency date for this account as it has bee n RE  AGED several times without notice to me. Im requesting that they send me the requested information or delete the account from all  XXXX  credit bureaus immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (WA).
Issue: Problem with customer service

Complaint: I signed up for a Credit Monitoring system with Experian. The sign-up procedure took < 2 mins. In order to cancel, I have to call them. I have been on hold for more than 2 hours over the phone, no response.

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 03-02-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving letters from XXXX XXXX XXXX XXXX XXXX XXXX for the current creditor " LVNV Funding LL '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian contacted XXXX to have my account removed from Experian, Experian insist that they do n't have request, I even faxed them a letter from the collection agency saying to remove account and they have not done so

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 05/22/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Trouble during payment process

Complaint: on  XXXX / XXXX /   17  i received an escrow account disclosure indicating a shortage of {$3300.00} from PennyMac loan services.   The notice indicated that i had to pay immediately or the amount would be added to my mortgage.   On  XXXX / XXXX /   17 i r eceived a notice from my credit monitoring service showing that PennyMac had raised my loan amount from {$150000.00} to {$150000.00}. My latest mortgage statement shows my monthly payment increasing from {$1000.00} to {$1200.00} An increase of {$190.00} which can cause financial hardship to my current finances. I did not agree to any new terms with this company and have been told by their representative that they made an accounting error when applying the funds received from me. I was told that this happened due to increases in taxes and insurance but my insurance cost actually went down and my taxes increased by only {$400.00}. annually. PennyMac has failed to clearly explain what has happened here and violated the terms of my loan through negligence and poor accounting. They have sent disclosures with varying mathematical discrepancies that are so confusing that i cant understand. The amounts they ask for greatly exceed anything i can find in relation to taxes/insurance. My  credit score  has been damaged by them increasing the balance on my loan. PennyMac has put me in a difficult financial situation and now their marketing department is sending me offers to refinance my loan. I have good credit and always make payments on time. I feel fearful and threatened by this company and believe they are trying to force me into a new loan or force me out of my home by nefarious means. I have also contacted HUD/FHA and been unable to get a response from anyone at their national office.  PennyMac  has not followed agreements made between the original mortgage company (  XXXX   XXXX   XXXX   XXXX   ) a nd myself. I have attached the original first payment notification with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX 2017 I needed to make a few transactions at a XXXX atm machine ser # XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX fl, useing my American Express Serve XXXX pre-paid card i made my first transaction for XXXX $ which i recieved my cash, i made my second transaction for the same amount XXXX $ which i didnt recieve from the atm, so i retryed a thrid time still i didnt recieve my cash, so i decided to check my card balance n my account was charged XXXX $ for 2 transactions that i never recieved, I called american express serve cusomer service and explained what jus had happen, they told me that they will review n investigate my dispute, and send me a email, On XXXX XXXX i recieved a email seying that a review was made n that i violated the consumer user agreement n that my account n card is supspended, i never did nothing wrong, i was jus trying to get some of my tax refund money off my card, why did they take my money,

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX was available but the system would not allow me to download the others but instead created a endless loop to no where. So I see after the fact I should have requested all three report by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I paid {$1.00} for my credit score and was required to agree to the 7 day trial period for credit monitoring of which I could cancel at anytime. I attempted to cancel within the hour but was redirected to sign into an online account which I never set up leaving me the only option of calling them to cancel. It was a weekend and their office was closed so I called the next following business day. I was told my membership was cancelled and I thought that was the end. 3 months later I noticed a charge from transunion on my credit card statement and followed up to see I had been charged 4 times for a service which I was told had been cancelled. I called transunion to rectify the situation. I spoke with no less than XXXX different people with strong XXXX accents and had to keep asking them to repeat what they said and/or speak more slowly. After a 20 minute phone call, most of which was spent on hold, I was once again told that my " inactive '' membership had been cancelled, I would not be billed again, and they would credit my payments back to me and that it could take up to XXXX billing cycles. I 'm not sure I have any reason to believe they will do any of those things since the initial cancelling of the service was mired in hidden webpages/accounts and my first phone call to them resulted in nothing more than wasted time.

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 02-01-2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to dispute Nation Star Mortgage account number XXXX alleging that I am behind on a mortgage payment which in fact my mortgage was sold from Bank of America account number XXXX in XXXX XXXX, I had a direct deposit from my bank to Bank of America and XXXX XXXX payment was sent back to me which I forwarded to Nation Star Mortgage but Bank of America kept my XXXX payment. I was even sent a letter saying that I would receive my XXXX XXXX payment. 
I had contacted XXXX XXXX Mortgage and told them about the problem and they sent me a letter saying that they found nothing wrong with my missing payment. I also contacted Bank of America and told them that I needed that XXXX XXXX payment and they said there was no status on it so it could n't be released and after hearing this news, I contacted a lawyer XXXX and paid {$250.00} to have this issue resolved but the lawyer was unable to do so. 
I have also recently, filed a dispute with the Real Estate Settlement Procedures Act agency regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing statement

Complaint: XXXX unwarranted charges were included in my XX/XX/XXXX.-XX/XX/XXXX 2015 Bank of America credit card statement : a {$31.00} late fee and a {$17.00} interest charge. A BofA representative, in a XXXX/XXXX/15 phone conversation, agreed to remove these charges which would be reflected in my next statement. 

In that BofA statement, received XXXX/XXXX/15, the {$31.00} charge was removed but not the {$17.00} charge. I again spoke to BofA this morning, XXXX/XXXX/15, and was told the {$17.00} would be removed from my account and be shown in the next statement. We shall see. 

Both charges were unwarranted and I have no idea what the {$17.00} charge is for. Bank of America has not acted in an ethical or honest business manner - which may be an oxymoron. Had I not diligently examined my statement, BofA would have benefited from the XXXX unjustified charges which is no doubt magnified by countless other unwarranted charges not disputed by those other clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: While this company was called XXXX, I entered into a loan modification trial period that promised a loan modification at the end of a three month trial period, if I met the criteria of the agreement. XXXX, and the end of the three months, then claimed they had not gotten all of the paperwork form me ( which was not true ) and continued to accept modified payments and request documents, over and over, for a period of over two years. After the 25-month trial period, XXXX rejected my loan modification application and claimed I had not paid as agreed. They reasoned that I owed the difference between the modified payment and the contractual payment, and all the arrears, including late fees and legal fees, were due immediately to avoid foreclosure. I asked for a type of work out that could catch me up over time, they refused. They foreclosed, even though I had made every payment in full and on time, and had provided all documents promptly, over and over. At court, XXXX and their attorney from XXXX Law XXXX, did not convince the judge that I had been delinquent, so they introduced last minute evidence, the Collection Notes, which I had not seen, to claim I had not provided documents as they requested. The defense was not allowed to read said documents until the trial was over. After the trial, I read the Collection Notes and found that XXXX and their attorney had not only received the correct documents over and over, but that they made up reasons to reject the documents, ofter making up reasons. I appealed, but the appellate court took the position that the case needed no review. I then put forth a motion to overturn the verdict in the Interest of Justice, because the Plaintiff had lied in court ( please see CFPB complaint # XXXX ). XXXX response was to transfer the servicing to a new company, Ditech. Ditech then moved to set a sale date for my house, even after becoming aware that XXXX had lied in court that even though there was an open motion on the desk of the presiding Judge. 
Please note that XXXX is under Administrative order File No. XXXX. This order was issued because XXXX did these types of things, habitually, to their borrowers.

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 03/20/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The Debt does not belong to the PERSON SUBMITTING THIS COMPLAINT and corrections have been made with the IRS. 

The following requests have been made to Bank of America, N.A. 

1. To provide Form XXXX and Form XXXX in regard to letter dated XX/XX/2018. 10 days were given to finalize this request. I need these forms to file Taxes. 

2. Requested ( repeatedly ) to have communication be in writing ONLY, yet they keep calling from number XXXX and I think XXXX also belongs to them. 

Currently awaiting their written response. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with I.C. System, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: : I have medi cal Insurance and the y refused to take down information. Please advise to charge :  XXXX  NJ  XXXX   XXXX   XXXX  Member ID YHZ  XXXX  Member  XXXX  Provider  XXXX  Dental  XXXX  Pharm/Hosp  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 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Already paid debt. In fact over billed and paid to company. Requesting refund of money of over amount paid.

Company response to consumer: Closed with explanation