milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Hello XXXX  : I recently paid off my Citibank Card ending in XXXX on XX/XX/XXXX ( I paid twice in one month  before the next statement balance was scheduled ; First I paid onXX/XX/XXXX ). However, for the month of XX/XX/XXXX, onXX/XX/XXXX, I decided to check my account again and noticed a {$.00} ( XXXX cent finance charge ) still put on my account. Anyhow, because of this {$.00} charge, I called Citibank onXX/XX/XXXXat  approximately XXXX XXXX est, and explained to them the issue that my account has been closed for years, and I just paid it off on XX/XX/XXXX  The customer service person assured me that this was a clerical area, and that this {$.00} charge is now off my account. However, I do not want any late charges or late fees associated with this mishap to affect my credit score. Could you please look into this matter? I have two documents that proves I paid for this account in full. The customer service representative was named " XXXX '', apparently a foreigner. I did check my account to see if the account still display the charges and it does not as of XX/XX/XXXX, but I talked to Citibank onXX/XX/XXXX at approximately XXXX XXXX. est. Please help ensure that this incident does not affect my credit score adversely. I have two documents to support what I say. Please note : Both files have similar names but they are different. As a follow-up to my account ending in XXXX, onXX/XX/XXXX my account read - {$.00}, that is right, negative XXXX cents. I am not sure what is going on. Please help me. Thanks. I have contacted you about this issue on XX/XX/XXXX in regards to my Citi Bank card that I paid off inXX/XX/XXXX ( please reference the previous email ). I have also included another document to prove what I say. Then, on onXX/XX/XXXX, a letter that is dated XX/XX/XXXX, arrived at my residence that states that I have a {$.00} balance. This account should be 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 monetary relief
Consumer complaint received 04/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a USAA Visa Credit Card. I started getting charged for two subscriptions that I never subscribed to. I called USAA about these charges and they were reversed for the XX/XX/XXXX, and XX/XX/XXXX charged. But to have the charges reversed, I had to have that credit card cancelled and a new card issued. I thought that resolved these problems. I was not informed that the companies would receive from XXXX my new credit card number, expiration date, and security code. But these companies did receive that updated information -- which I was unaware would happen -- and charges were continued. 

It is unbelievable that companies making fraudulent charges on a credit card would receive information about a new card being issued! 

Details are as follows : XXXX charges of {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX and XXXX XXXX charges of {$9.00} on XX/XX/XXXX, {$9.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. 

USAA has told me that to have the charges from XX/XX/XXXX and XX/XX/XXXX I will have to have my credit card cancelled again and have a new card issued again. I find this unacceptable. 

I spent hours on the phone trying to get in touch with XXXX and XXXX XXXX and was told that the accounts would be cancelled but they would not give me any information on how these accounts were opened with my credit card information. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has acquired my mortgage from several other companies. I owe less than 78 % on the original contract price. They refuse to take the PMI off and want multiple paperwork and wish to " consider '' whether they need to have an appraisal done. 
Nationstar apparently operates through a call center and hours have been spent on the telephone requesting help. 
Nationstar has been notified that they must send all official document notices by U.S. mail, not by E-mail. They have ignored this and will not comply. 
Service representatives will not identify themselves. 
Property is under XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have attempted, for several years, to get Optimum Outcomes to provide me with written copies of the original medical bill and the Explanation of Benefits from my insurance company showing that I did not owe this account. I have disputed this account that is showing on my Credit report. I have contacted the hospital and their XXXX, 3rd party billers and they all show that I do not owe them any thing. I have a copy of of the Explanation of Benefits that show that this account was settled by the medical office. I have been denied a mortgage loan because of this false collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There recently was a large security breach at Equifax. From my understanding, intruders accessed names, social security numbers, birth dates, addresses, and driver license numbers of those who used their service from midXXXX through XXXX of XXXX. I have been looking for a home in the past 3 months and in order to be approved for a loan, have had my credit pulled. Being a first time home owner has been stressful and exciting but learning that I may be at risk of identity theft has put a large cloud over the experience. Furthermore, I may be at risk for identity theft for my entire life with this information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KS).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2016 I made a payment of {$3300.00} to Nationstar Mortgage via a bank wire from my account to the account they provided me. I have faxed them my bank statements and a screen shot showing the transaction, which was done in XXXX separate ones the first for {$2500.00} and the next for {$860.00}. I also called my bank and got the transaction confirmation numbers and gave those to Nationstar. Nationstar still has my house in active foreclosure and claim they have not received the payment and are researching the issue. Due to the foreclosure status they will not accept any payments until all the past due amount is paid which is with the {$3300.00} they are not crediting to my account. This is causing me additional late fees not being able to make my current payments. I do n't know how to get the money back or make them credit it even with the proof I have sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the XXXX XXXX late payment is wrong. i have not been late. 
ask 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 12-08-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I looked at my credit report and i learned that MIDLAND credit mgmt is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. Midland is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with Premier Portfolio Group (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Repeated phone calls/messages left daily for months and months to my cell phone saying i have a bad check I have told them I do not and never had any bad checks to anyone I have asked them numerous times to send any collections they may have to me in writing to my home address They never have done so. In months I have asked them numerous times to stop calling my cell phone They still continue daily for months! 

I have emailed them and sent a letter to the address they gave me asking for the calls to stop including the hopefully last time today What else can i do Please get these calls stopped

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On my credit report I am showing a past due balance for the XXXX XXXX XXXX at XXXX XXXX which has been paid in full since XXXX XXXX, 2017 which should have been rectified to all three credit bureaus. I was told once the issue is resolved my credit score will increase or will go back to what it was before I had this debt which I slowly paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with PAYPAL HOLDINGS INC. (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received bills XX/XX/XXXX from Pay Pal Credit, I called and told them I do not have a credit with your company and they said they would send me paperwork to refute this billing/acct.so as not to have a collection on my credit record I paid the {$870.00} with assurance from Pay Pal that it would be refunded when all the mess was straightened out and the acct was closed and no further cash advances could be done and I waited for the paperwork from them. Then on XXXX XXXX I received a bill from a collection agency for another {$600.00} owed to Pay Pal credit. I once again called Pay Pal and they said sorry and they would send the paperwork. I paid the {$600.00} on XX/XX/XXXX. Pay Pal has not looked into this fraud and done nothing to resolve this issue except to send it to collection. I want my money back and Pay pal to find out who used my info to open this acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditor agreed to remove my liability from the account and has removed from all CBR agencies.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company has let my credit information to be accessed by unknown entities and now has placed my private information in potetial hazard. Company also sold stocks to protect value of company which is a insider traiding scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with The CBE Group, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: foages now this number has tried to collect by nasty means XXXX XXXX XXXX XXXX dont know who they are and dont know the who what of entire matteXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Other type of mortgage) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Applying for a mortgage

Complaint: I went to refinance my home to find a lien on it. My ex husband claimed bankruptcy and wrapped that portion of debt he was assigned into the bankruptcy. I was not on the loan not was assigned the debt through the divorce process. My final divorce decree clearly states the debt is his alone. Navy Federal credit union even after showing them the divorce decree and the deed which is in my name only refuses to remove the lien and had even suggested I sue my ex husband to pay the lien off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Customer service / Customer relations

Complaint: I was trying to make a purchase with my JC Penney master card and was declined. I called the number on the back of my card and the teller told me that the card I had was cancelled and that a new card was sent out in XXXX 2015. I said I never received it or activated a card and she said after a couple of weeks of me not activating a card the company automatically activates it and I need to report it lost or stolen what??? this is putting my identity in jeopardy and I am furious that they would do this, meanwhile I am trying to make a purchase for a car part and I can not I will have to wait 7 days to receive a new card and to get my vehicle fixed. They should be held accountable for any inconvenience this has cause me and if my identity is stolen they should be held responsible for that as well. When you work hard to establish your credit and someone else takes 5 seconds to put it in jeopardy. I had to use {$300.00} dollars of liquid cash that I really should n't had to use if my credit card worked and was not cancelled and then activated by this company and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and XXXX and Equifax requesting that the incomplete reporting of my XXXX account information be changed to reflect the correct XXXX reporting of my XXXX account. 

I have not heard back from XXXX XXXX XXXX. XXXX and Equifax mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and Equifax, but are being reported correctly on my XXXX credit report. 

My request is that XXXX reports the same information to XXXX and Equifax it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Company paid my real estate taxes to town twice. They have not adjusted in timely matter and are asking for a higher escrow payment to fix. 
I have been on the phone with Round Point Mortgage since this issue was noticed in XXXX of 2016. Since then I have received incorrect escrow analysis, inaccurate year end statement, wrong XXXX to file to IRS and multiple other wrong documents. I contacted Round Point again in XXXX about the issues above. I was told a case would be opened and if there was a double payment made to tax office that they will fix the above problems. Well that time has passed and I still have a wrong escrow and tax forms, so unable to file taxes. Also, have over payment of {$17000.00} to tax office and am currently prepayed and Tax office is aware of issue. But, Round Point still would like me to pay {$25000.00} to keep my mortgage payment the same to correct their error, with double payment to the tax office until they feel like fixing the issue. So, 3 months have passed and still same problem. Multiple phone calls asking to speak to someone handling my case and they state they ca n't be contacted, but that they are still working on it. Now new mortgage payment is due, and is extremely inaccurate and double the usual. Tax office has stated that they have had no contact from RoundPoint Mortgage ever. So in contacting ROund Point again I still have not had my issue corrected.

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 02/17/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a lease through XXXX XXXX of XXXX Ma in XX/XX/2017. I was only there because I had purchased a XXXX with XXXX XXXX XXXX the week before and had such a great experience. I only worked with the finance manager, XXXX during this transaction. I paid aprx {$1400.00} the day I picked up the truck. I was under the impression that covered XXXX and XXXX 's payment, same as the XXXX dealership. When I hadn't heard anything, I called in to customer service XX/XX/XXXX, and spoke to a really nice rep who stated my account was due on the XXXX of every month and if I didn't make a payment by today I would be 30 days past due. I was in shock AS I WAS IN THE PROCESS OF OBTAINING A MORTGAGE AND COULDN'T HAVE A 30 DAY LATE PAY or I could lose the mortgage down payment, etc. I went home and paid through the automated phone system as I didn't have a check on me at the time. I entered and re-entered both my account and routing number TWICE. Later on, I received an email stating the account was paid with a confirmation number. The following Monday was XXXX and since this was the first time making a payment with GM Financial I wasn't sure how long it would take to post, especially with the holiday. As of Friday it still wasn't taken out of my checking account so I called. They were closed. I called again Monday. At this point the online system stated that they were closed until further notice for system updates. I couldn't log into my account online and I couldn't get through to a human being until XX/XX/XXXX. At this point, I had contacted the dealership, XXXX, and asked what to do. I then received a notification from my credit monitoring services that GM had reported my account 30 days late and my credit went down 60 POINTS MAKING ME NOT QUALIFY FOR MY MORTGAGE. I was appalled. I couldn't speak to anyone, no one would return my calls and I was in the process of losing XXXX and my first home. 

Since this, no one has helped me. I've contemplated getting a lawyer but the fees are hefty and I'm trying to get back on my feet and buy a home as I had to take out a loan to do so. I've had several conversations with the manager of the dealership I was working with and no help. I've sent certified letters to the President and to other Leadership members of GM Financial with no help. Please help me. This is totally unfair and I would never have purchased this truck knowing how awful they treat their customers. Not to mention, the truck had to go into the shop for a fuel emissions issue and I was without the vehicle. IT IS BRAND NEW. 

Keep in mind- they are stating that I entered my account information incorrectly. Which is not true as I entered it twice repeatedly through their system. I feel as though they are trying to make money off of me. They also increased my loan amount by {$12000.00} ( shown below from my credit file )

Company response to consumer: Closed with explanation