milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I continually receive robo calls from a company claiming to be Pro Collect, but I have never received anything in writing from them as to what the debt is. The number shows up as ( XXXX ) XXXX on my phone, but message states to call ( XXXX ) XXXX. Today, XXXX/XXXX/2016 they called and left a voicemail at XXXX. I have a screenshot of my phone log showing the call.

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 08-05-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I opened a Santander banking account in XXXX of 2016. At the time of opening there was a {$150.00} incentive to open the account. Since that time, I have called Santander 2 times to determine when the XXXX will be credited. XXXX call I was told there is a 3 month wait to get the credit so I would get it in XXXX. 2nd time I called I was told XXXX. I just called today XXXX and was told I am not eligible to receive the incentive. I wish to log a complaint about Santander 's deceptive 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
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been on an income contingent repayment plan for the last several years, through Navient. XX/XX/XXXX, I applied for XXXX and was told my loans would need to be consolidated for this to occur and that during this process my loans would need to be put into deferment/forbearance for XX/XX/XXXX & XX/XX/XXXX. I asked at that point what my estimated repayment would be and was told they could not tell me. Also, I explicitly asked if my student loans would be accruing interest during this time as I owe more than XXXX and would like to keep the principal down by paying the interest. I was informed that my loans would NOT accrue interest and that the REPAY process would be completed in XX/XX/XXXX. To date my loans have accrued an additional {$2000.00} in interest and today when trying to find information on their website I discovered my new payment will be nearly double what my previous payment amount! It appears that they have set my loans to not be repaid until XX/XX/XXXX meaning that I am currently I am unable to do anything with my loans, including choosing a repayment plan that I am able to afford.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax keeps reporting XXXX student loan on my account that does not belong to me. I need them to verify the social security number, which they HAVE NOT! they need to remove this student loan from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with BB&T CORPORATION (WV).
Issue: Using a debit or ATM card

Complaint: ON FRIDAY XXXX XXXX, XXXX XXXX DEBITED MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX. I IMMEDIATELY TRIED TO FILE A FRAUD CLAIM BUT WAS TOLD THAT I COULD N'T BECAUSE IT WAS STILL PENDING. IT TOOK 5 DAYS FOR THE DEBIT TO POST TO MY ACCOUNT. I IMMEDIATELY FILE A FRAUD CLAIM, ON XXXX/XXXX/XXXX I VISIT THE XXXX LOCATION WITH QUESTIONS REGARDING MY PENDING DIRECT DEPOSIT. I WANTED ACCESS TO MY DIRECT DEPOSIT. i SPOKE TO XXXX XXXX. SHE CALLS THE FRAUD DEPARTMENT AND WAS TOLD THAT IT COULD TAKE SEVERAL MORE DAYS FOR IT TO BE RESOLVED. AFTER SEVERAL MORE CALLS SHE SAID THAT THE BEST WAY TO GO WOULD BE TO BLOCK MY DIRECT DEPOSIT FROM MY CHECKING ACCOUNT AND TRY TO DIVERT IT TO MY SAVINGS ACCOUNT. I TOLD HER TO GO AHEAD AND BLOCK IT. SHE SAID I WOULD HAVE ACCESS TO IT FRIDAY AFTERNOON. ON FRIDAY AFTERNOON I CHECKED MY ACCOUNT AND STILL NOTHING SO I MADE ANOTHER TRIP TO THE XXXX LOCATION AND AFTER SHE MADE SEVERAL MORE CALLS SHE INFORMED ME THAT IT WOULD BE TUESDAY BEFORE I WOULD BE ABLE TO HAVE ACCESS TO MY FUNDS. YESTERDAY XXXX/XXXX/XXXX I LOG INTO MY ONLINE ACCOUNT AND MY DIRECT DEPOSIT HAD BEEN POSTED TO MY CHECKING ACCOUNT AND NOT TO MY SAVINGS ACCOUNT WHICH I WAS ASSURED WOULD NOT HAPPEN. I CALL THE XXXX BRANCH ( XXXX 'S DESK ) AND SHE IS OUT OF THE OFFICE. I TRY TO CALL THE MAIN NUMBER BUT CAN NOT GET AN ANSWER SO I CALL THE XXXX BRANCH. I SPOKE WITH XXXX ( I DID NOT GET HIS LAST NAME ). AFTER BEING PLACED ON HOLD FOR AWHILE, XXXX INFORMED ME THAT I NEEDED TO SEND A COPY OF THE RECEIPT WHERE I HAD RETURNED THE MERCHANDISE TO XXXX. HE GAVE ME THE FAX NUMBER AND I WENT DIRECTLY TO MY SONS PLACE OF BUSINESS AND FAXED A COPY OF THE RECEIPT TWO TIMES. I WAS TOLD THAT WITH THE RECEIPT THAT I SHOULD SEE MY FUNDS AVAILABLE BY TODAY. 
WHEN I CHECKED MY MAIL YESTERDAY EVENING, THERE WAS A LETTER FROM BB & T STATING THAT MY CLAIM WAS DENIED. IT WAS DATED XXXX/XXXX/XXXX WHICH WAS THE DAY XXXX FIRST WENT INTO THE XXXX LOCATION. IF THE FRAUD DEPARTMENT HAD ALREADY DENIED MY CLAIM WHY WAS N'T I MADE AWARE OF THIS ON THAT DAY. WHAT BOTHERS ME MOST ABOUT THIS IS THAT I WAS AT THE BANK XXXX XXXX & XXXX AND WAS NOT TOLD I NEEDED TO FAX ANYTHING OR THAT THE CLAIM HAD BEEN DENIED. 
I CHECK MY ACCOUNT THIS MORNING AND NOTHING HAS CHANGED SO I CALL THE FRAUD DEPARTMENT WHERE I WAS TOLD THAT THEY HAD NEVER RECEIVED MY FAX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A cas e (  #  XXXX  ) was submitted back in  XXXX     2017 to the CF PB for a company reporting on my report, Stellar Recovery. The company stated they would obtain and send verification. I have not received said verification. I have disputed as such with the credit bureau. Transunion has yet to investigate my claim given into account all the evidence submitted showing my attempts to obtain validation from this company. The item continues to be reported, hurting my credit profile and financial reputation.

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 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I would like to dispute the report provided by Citi and request that you investigate the matter further. I have attached several documents for your consideration. I had been a customer of Citi since XX/XX/XXXX and was in good standing paying this bill until XX/XX/XXXX when Citi abruptly transferred my account to a credit collection agency. When I contacted Citi, I was told that it because I had requested debt relief. I informed Citi that I was not involved in any debt relief program. An authorized user on my account did contact a debt relief agency. Even after I proved that my account was not part of any debt relief program, Citi did not restore my account. After trying for 4 months to get the issue resolved by contacting Citi and the Better Business Bureau in New York ( Complaint ID XXXX ), my account was restored ( brought back from the collection agency ). I was never notified by Citi that the account was brought back and would close again with 30 days if the delinquent balance was not paid in full. I paid two payments and the account transferred for a second time. I contacted Citi again and was told that the transfer happened because the account was still delinquent. I have contacted the Better Business Bureau twice about the way the manner in which my account was handled. I have been contacted by Citi 's Home Office in a bogus attempt to rectify the matter but the Rep tells me what I already know which is that the account is delinquent. Citi NEVER rectified its mistake by transferring my account in error in XX/XX/XXXX. Yet, I am paying the penalty with this delinquency being recorded on my credit report. The account was not delinquent when it was transferred in error in 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 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Mother suffers from XXXX and after my father had taken her Credit Cards, he asked me why she was still receiving charges each month from XXXX, a catalog company. I called the company 's XXXX # and they explained she was enrolled in the " XXXX '' with " Special Promotions '' for the charge of {$15.00} per month. I requested they unenroll her and was given instructions on how to achieve this which I followed to the letter. I disputed the charges at that time and forwarded all the information they requested in XX/XX/XXXX. All these months later they are still charging her and have sent the disputed amount to a collection agency. I have sent the information they requested again with another letter to deny the charges and want that to be an end of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NO SABE WHERES THIS COME FROM. ITS NOT MINE AND ME NO CAN HAVE IT ON MY REPORT. O HAB THEM CALLS ME ALLS THE TIME. SENT LETTER TO STOP BUT THEY NO DO SENT NOTHER ONE STILL CALL AND ON REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted IC System about an account on my credit report that is not mine, but instead belonging to a family member. The agent I talked to acknowledged that they knew that the account did not belong to me and the agent said they will not remove it from my report until said family member pays the debt. I did not give IC System permission to use my credit for any purposes.

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 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the following several accounts with Experian as the accounts are too old to be on my file and I am with my rights according to FCRA to ask for the deletion of the several outdated accounts. Experian indicated that they verified the accounts however verification of the accounts has nothing to do with outdated information and requesting for Experian to removed the outdated information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
STUDENT LOAN XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX 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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I applied for credit with a company ans was told that I did n't have credit. I proceeded to pull my own credit with Equifax monitoring service. To only discover that they have fraudulently removed credit lines from my report without my permission of a dispute and without the creditors permission. They also put derogatory information that was disputed and found not acceptable off my credit were put back on. They have updates on previous credit reports but as of XXXX XXXX and XXXX XXXX my report shows no updates as of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Exquifax credit reporting is showing 2 collections on the reports for my account. XXXX is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would Exquifax be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX  XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.

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. (AK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of the millions affected by the Equifax " hack. '' I have filed the 90 day fraud alert, and pulled my credit reports. Do-date I have not been contacted by Equifax, rather I used their online query system to determine this information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, I opened a citibank gold check account, per advertisement from citibank, I will receive XXXX thank you points after I fulfill the following requirements Do one bill pay in two consecutive months, as described above for the ThankYou Requirement. 
Make {$1000.00} in debit card purchases with the Citi debit card. This requirement must be met within 60-days as well. 
I have fulfilled those requirements on XXXX, XXXX, after that, I have contact citibank multiple times to confirm the offer, every time, I was told by citibank that I have fulfilled the requirements and the points will be posted by XXXX XXXX. 
XX/XX/XXXX, those points still have not bee posted, I have submitted XXXX cases ( XXXX. ) to Citibank, to my surprise, the letter from citibank stated that I am not going to receive the point because " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account ; To me, this does not make sense because 1. I still have the screenshot of the application page which shows that I will receive the XXXX thank you points, which can prove that the statement is not true & quot ;, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. & quot ; 2. In the last few month, I have been confirmed by multiple customer representative that I am eligible for the offer and have fulfilled the requirement, I should receive the points on XX/XX/XXXX. Citibank can confirm that by looking into my previous chat history. 

As a long time loyal citibank customer, I am very frustrated with this experience. This checking account has monthly fee of {$30.00}, I would not open this account without the bonus offer 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 12-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification/affidavit of the person who has verified as accurate and I have been denied the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My firm represents XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. I am submitting a complaint on its behalf with reference to a condominium unit designated as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The owners, XXXX XXXX XXXX XXXX, vacated and abandoned the unit. The unit is not being maintained and currently condominium fees in excess of {$38000.00} are due and owing. The owners and the mortgage lender are receiving the benefits that the condominium association provides at the expense of other paying owners. A mortgage foreclosure was commenced in 2009 and dismissed for lack of prosecution.

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 08/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I stopped by Ashley Furniture at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX back in XXXX 2017. I do not remember the exact date. I asked about a couch I wanted to buy and the salesman told me he could check my credit score to see if I qualified for financing. He asks me for my personal information. I oblige and am told that I would qualify for a particular amount. I ended up not buying the furniture, but later received a credit card in the mail that says " thank you, here is your credit card '' I do not remember requesting a credit card, though. I am positive this establishment misled me and forced the credit card on me, despite just saying they were just going to check my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree financing has had an equity line of credit on my property in Ohio. In XXXX XXXX, they bought the primary mortgage from XXXX. Green Tree doubled the payment on the equity loan in XXXX XXXX. I filed for loan modifications on both loans, the equity interest rate was dropped, but the primary loan was offered to extend back out to a 30 year mortgage at 6.875 %. I did not take this and asked for the amount to bring the mortgage current. I did a pay by phone payment on XXXX XXXX XXXX for {$4600.00}. This was to bring the mortgage current through XXXX XXXX. 

Green Tree did not credit the amounts to the account. I have made several calls to clear up the matter, but am being told that they have no record of a {$4600.00} amount. I was told I did n't send in a XXXX payment, but when I produced a receipt, they asked for a couple of weeks to clear their records. Green Tree also said I would continue to accumulate late fees and I should be fine to pay them. 

I did get letters dated XXXX stating that both loans were in good standing and were current. Today I received a loan modification packet stating I am 30 days past due. 

During one of the conversations, XXXX from Green Tree said " I needed to understand that her investors did n't care about the equity loan and just wanted to foreclose on the property because they could make money ''. 

I would refinance to get away from Green Tree, but the value of the home is still less than the combined mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In my letter dated XXXX/XXXX/2015, I disputed a Judgement on my Trans Union report. I received notice XXXX/XXXX/2015 that it was deleted from my report. 2 days later it was re-inserted back on my report. I have contacted the court listed and they have no judgement rendered under my name! I want this DELETED from my report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief