milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Deposits and withdrawals

Complaint: After making a XXXX deposit in my Citibank account last week. 
I attempted to pay some bills once the banking website saidThat my funds are available. XXXX bills including my mortgagePayment were denied payment even though the money isIn the account. As an alternative I attempted to transfer theMoney to my Citibank credit card so I could pay the bills that wayHoping that it might be faster now that I am behind on my bills. 
This was denied as well. 
I called into Citibanks customer service who told me I needed to goInto a Citibank location for resolution. Problem is theyDo not have a location in XXXX where I live and do not haveOne in XXXX or XXXX. So unless I buy a plane ticket the onlyOther way for me to access my own money in my checking accountIs to write a letter to Citibank requesting access. This is the most ridiculousSolution I have ever been given to access my own money. 
My account was not overdrawn when I made the deposit and myCitibank credit card has always been on time and is also in good standing. 
The Citibank Customer service agent would not give me any reasonWhy my account is on hold. She also refused to give me anyFurther escalation phone number including a number for their '' Office of the President '' so I could make a formal complaint. 
So at the end of the call with XXXX in checking on an accountThat is good standing as well as a credit card I am left with writing a letter. 
That is completely unacceptable resolution to a consumer and I amAsking for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: We had a car financed through Ally Auto ( XXXX XXXX XXXX ). The vehicle was involved in a wreck that totaled the car. Our Auto Insurance paid their part, and our GAP Insurance took awhile to pay off. The GAP Insurance paid off everything except XXXX. Ally started calling us 9-10 times a day and would call us 30 seconds apart on 3 different numbers and also a separate call each day to my wifes work number. I called them and told them the harrassing calls mutiple times a day needed to stop. I told them I got a part time job to help pay this off and I would be paying it off by XX/XX/XXXX. I asked them to no longer call me on XXXX work cell or XXXX work phone. I also asked them to not call my wife at work ( which they had already been told over a year ago not to call her at work ). They have repeatedly still called my wife and work and still call me on XXXX. I am sick and tired of being harrassed by this company on phone lines I have repeatedly told them not to call on. Today I spoke to a supervisor and gave them the information again.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was put into collection for a utility bill that was not mine. I notified them in writing and by phone and they reported it to the credit bureaus in spit of that notification. They used that as a tool for force me to pay the outstanding amount in order to have it removed from my credit reports. I paid the amount in full and they have refused to remove it from my reports and will only report it as " Paid ''. They used deceptive promises ( which they recorded ) to get me to pay a debt that was not mine and then have refused to remove it from the credit reports as they assured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? 
unreal! they call asking for me. Also I have never used his number in any bank or credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX ,  XXXX  I purchased a    XXXX   XXXX   XXXX   from  XXXX .  The loan was taking out throu gh Chrystler Capital. After making our first payment we were notified that there were major issues with the car that we were  n't aware of before purchasing it. We then were notified that the dealership was n't able to obtain the title to out vehicle which gave us no choice but to turn the vehicle back in along with the plate and temporary registeration. Another month goes by without this vehicle and we are being told that the deal has been closed out yet i have bill collectors reaching out to me for payments to a car that i do not have access to at all. M y credit score had  decrease by  XXXX  points a few days later because of the dealership not being truthful closing out the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: While my bankruptcy is not discharged yet, my attorney has provided ProCollect with letters stating that the information they are showing on my credit report is incorrect and needs to be removed yet it is still showing. I recently contacted them personally and was told by XXXX that while they show it is in bankruptcy status on their side, it is still showing on my credit because I keep disputing it. I find this odd since I have disputed other items to credit reporting agencies and they were removed. I also never received any sort of letter from them with my rights.

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 06/20/2017 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with AFNI. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt so reporting it on my credit is illegal. I am attempted to delete this debt with AFNI with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: As a advocate for my father, XXXX XXXX ( who took ill in 2009 ), Wells Fargo Foreclosed on his home, in XXXX, PA, and then made it appear ( once this matter was filed with CFPB ) ; as though they were going to give my family a chance to purchase my father 's home back. But Wells Fargo knew all along that they were n't going honor the Real Estate inspection, or, the engineers report, which mentioned the tremendous amount of work that needed to be completed at : XXXX XXXX, in XXXX, PA! The Wells Fargo representative that was assigned to me : XXXX XXXX XXXX ( of the Office of the President ), strung me along -- letting us believe that our offer on the house was going to be excepted, and as long as we worked with their realtor : XXXX XXXX of : XXXX of the XXXX that our chances were great. However, due to the ( extreme ) rudeness of XXXX XXXX, we knew that the deal was NOT going to go through, as her reputation in the XXXX is not good at all!!! We assumed that Wells Fargo 's intention was just to let the house ROT, Vs : addressing all the issues in the " newly '' constructed home and allowing us to purchase it, fairly!!! Honestly, I have never seen anything like this in all my days!!! How can a bank issue a construction loan, and then not address any of the " structural '' damages, and then foreclose on the home (? ) *This is despicable to me, and I am truly disgusted by the way this entire matter went down -- from start to finish! If this is the American Dream, then something is absolutely WRONG!!! Where is the compassion for the sick? And why is n't the TRUTH respected anymore? ( The engineers report and the inspections report that was provided to Wells Fargo was thorough, which we paid good money for! Yet, Wells Fargo did n't give a hoot about the " truth, '' regarding the damages of the property! ) After all of this, I 'm thinking perhaps God has another plan for us! And he did n't want to see the roof come tumbling down, because the home was truly " the house that " XXXX '' built! '' At this point, it is what it is! However, I must say, Wells Fargo is certainly a financial institution that takes pride in misleading individuals!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I attempted to apply for a Social Security Administration ( SSA ) My Account on line. Part of the application involves questions about my credit history to authenticate my identity. I answered all of the questions with " None of the Above '' because none of the credit items applied to me. I was not allowed to continue my application because the Social Security Administration reported to me that I " failed '' the authentication questions. 

I obtained a copy of my Credit Report and it is accurate. None of the credit items that were included in the credit history authentication appear on my Credit Report so that when I answered " None of the Above, '' I should have been approved for a SSA My Account. 

I telephoned Experian, the company responsible for generating the credit history questions. The agent said there was nothing she could do to make the questions relevant to my actual credit history.

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 06-03-2016 about Payday loan () with GVA Holdings, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I began repayment of a private co-signed student loan on XX/XX/XXXX in the original amount of {$16000.00}. As of today, XX/XX/XXXX, I have paid a total of {$21000.00} with {$8600.00} allocated to principal and {$12000.00} allocated to interest. However, {$13000.00} was added to my principal in the form of capitalized interest. My present balance on the loan is {$15000.00}.
{$470.00} is the only amount out of my {$21000.00} worth of payments that has been used to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RE ; XXXX XXXX HOSPITALOn XX/XX/XXXX I was admitted to the XXXX XXXX Hospital in XXXX ( XXXX XXXX XXXX ) NJ. I contacted my then insurance company XXXX XXXX XXXX as I worked for t % he state and I had XXXX % hospitalization. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX Hospital at XXXX %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XXXX for XXXX ,2. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, XXXX, is collecting the same XXXX debts that ANOTHER agency is trying to collect on called HRRG. However, XXXX was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX XXXX XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY XXXX! 
Now XXXX is trying to collect not only the one paid in full by my XXXX, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX 3 times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (TX).
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: ATTEMPTED TO RESOLVE REPORTING PROBLEM WITH ALL THREE COMPANIES : XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. THERE ARE ISSUES REGARDING OPEN DATES, DATE LAST REPORTED AND WHEN ACCOUNT CLOSED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have decade old defaults on my credit reports that belong to my wife prior to our marriage. I paid for her defaults in full in XXXX. We married in XXXX. I have written letters to the credit bureaus and did n't receive any assistance and my issue was never investigated. I should n't have any defaults on my credit reports. I have honored every loan I have ever acquired. I 'm a small business owner, my income is {$XXXX} yearly and I have difficulties getting loans because of the discrepancies on my credit score that are not mine. I have to pay cash for everything since I have trouble getting financed which is slowing the growth of my business. Also, I have multiple addresses on my credit file but I 've lived at the same place for the past ten years. And I have inquiries on my credit files that I never sought. The last legitimate inquiry I was responsible for was in XXXX when I bought a car for my wife. But for some reason there are multiple inquiries in XXXX and XXXX. And my credit score has lowered since XXXX and I do not know why. Furthermore, I thought defaults were supposed to drop off after seven years. These old defaults, that were paid off, are over nine years old. I do not trust the credit bureaus and banks. I feel that they intentionally try to lower ones score to make more money via high interest rates on loans. I would also like to add that I do not like credit cards, I do not use credit cards, and I will not use credit cards. Credit cards are rip offs. I dislike that credit cards can have such an impact on ones credit score, good or bad. I always pay for what I purchase but my credit score makes me look like an incompetent derelict. I 'm wondering if I may need to hire an attorney to resolve this if I ca n't on my own. I appreciate your time and look forward to any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: During the month of XXXX, I was out of the XXXX in XXXX for work for the month. Prior to leaving the country, I mailed XXXX checks to First Mortgage dated for the months of XXXX and XXXX 's mortgage payments. However, upon returning from XXXX, I learned that the XXXX checks that I mailed to First Mortgage were not deposited. I contacted First Mortgage and was advised by the customer service agent that First Mortgage had sold their loans to another vendor and I would be in contacted by the company if there were any issues with my payments during the transition payment. The customer service agent assured me that if I had n't already been notified of the transition, I would be soon and that there was a slight delay in the processing of payments and that as long as my check as dated accordingly no late payment ( s ) would be noted to my account. Under these instructions, I continued to monitor my account to make sure the payments posted accordingly. Please note during the month of XXXX or XXXX, I did not receive any notification that XXXX Mortgage had taken over my account from First Mortgage or that we were late on our XXXX and XXXX payments. 
As the XXXX month end approached, we noticed that the payments had not posted to the account and we contacted First Mortgage, only to be redirected via the call tree to XXXX Mortgage to reconcile the outstanding balance on the account. Once learning that the payments were not applied to the account, we immediately cancelled our previous checks ( there was a {$10.00} fee to XXXX XXXX XXXX for XXXX checks ) that were sent to First Mortgage and made payments to XXXX Mortgage for the outstanding balance ( which was not late with XXXX Mortgage ) on the same day. We were also advised that there would be no negative late payments to the account as this was an issue that multiple account holders were experiencing and because of the miscommunication/confusion during the transition. 
Unfortunately, it was brought to our attention after running a recent credit report that our last payment with First Mortgage/first payment with XXXX Mortgage ( still confused as its XXXX with XXXX credit firm and another month with another firm ) was documented as late payment negatively impacting our credit score. It was my understanding at the time that we made payment that there would be no negative report made to our account or credit due to the confusion of a lost payment during the transition from XXXX mortgage company to another. 
We are able to provide any work travel or bank documentation ( i.e. check cancellation, etc. ) as verification during these events to assist in reviewing and granting this approval to remove the negative report from our account/credit.

Company response to consumer: Untimely response
Consumer complaint received 05-03-2015 about Debt collection (I do not know) with Credence Resource Management, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The debt collector has not provided any information on what this debt is. The only documents it has sent was collection bills.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The XXXX XXXX was XXXX XXXX XXXX Mortgage and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX XXXX partial acct # XXXX ... XXXX and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe XXXX, previously XXXX XXXX, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for XXXX and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at XXXX who can only see the same account info in their system that is on my credit report because the account is so old. XXXX, nor the Experian Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a XXXX and 2nd on my home and those were settled. I need proof of what this negative item from  XXXX actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru Experian. There response basically said that " Yes, XXXX settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.

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 02-08-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have a Fraudulent Old Navy account on my credit bureues I have called Sychrony Bank the holder of this account and spoke with there XXXX department, I was told they have closed the application and will send notice to the bureaus for deletion of the trade line, However I later discovered that they did not send over any information to the credit bureau, and the bureaus are reporting me as late and derogatory, Because of this I have lost over a XXXX points from my XXXX scores, I also reported this fraudulent activity to the local police, XXXX, XXXX district attorney, and FTC. I want this fraudulent account removed from my credit profile effective immediately

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