milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Credit reporting () with LEXISNEXIS (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been the victim of identity theft on XXXX occasions in the past year. 
XXXX have been cell phone fraud and the latest has was credit card fraud. 
I have frozen my reports with the XXXX major credit bureaus and seek to freeze my LexisNexis report because they furnish cell phones companies with information about me. 
LexisNexis has denied my request to freeze my report. 
Please assist me in freezing my LexisNexis consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Payday loan) with Check Security Associates, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call relatives when I have specifically told them not to contact relatives threatening them. They continue to call my work threatening me. I asked them for information sent via mail and have not received any paperwork.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this company with XXXX and XXXX. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. XXXX and Transunion is the only XXXX still have this on my credit report. XXXX and Transunion are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX # XXXX unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with reekside Recovery And Capital Management (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They left a voice mail. I called back and left voicemail. No one returned my call. Called back XXXX the manager was very rude. Would n't give me the name of the business would n't explain why he had left the initial voicemail. He then hung up. I called back spoke with XXXX who advised me what company he was with. He then connected me to XXXX. XXXX told me he would report me to the police if I called back. I told him I wouldnt call back if he would just explain what was going on. He hung up. I called back he again said I was harassing him and I told him if someone has stolen my identity I needed know. He then did the whole harassment speech and refuse to provide the information of contacting his manager. 

Creekside recovery

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received phone call XX/XX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as banker my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been charged a Late Fee on two occasions. In both instances, the payment was made and check deposited by Capital prior to due date. The company has reversed the charges claiming it was a Computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: S & R got a judgment against me for XXXX old accounts from XX/XX/XXXX in XX/XX/XXXX for {$7000.00}. I started making payments after they got the judgmet. I lost my job and was in the middle of a divorce but I kept paying. My old lawyer paid the debt off in XX/XX/XXXX from settlemet funds during the divorce but I did not know this until recently. From XX/XX/XXXX until XX/XX/XXXX, I continued to pay {$100.00} every month even if I did n't have it. I was send letters and they called me all the time. I would ask them for the balance and they would not send me any thing. I asked fro receipts and they would not give them to me. They told me they did not know the balances. This year in XX/XX/XXXX I had a friend call with me to ask for a copy of the judgments and account information but they would not talk with me. I called again in XX/XX/XXXX asking for how much I owed because they sent me a letter saying I owed nearly {$5000.00}. I got a letter in XX/XX/XXXX from the court saying I owed more than {$7000.00}. They sent the sherrif to my house. I have paid more {$9000.00} plus my old lawyer paid another {$5000.00} on a {$7000.00} debt and they say I still owe more than {$7000.00}. The court say I owe 8 % interest since XX/XX/XXXX but that does not add up to another {$7000.00} when I have paid {$14000.00} already. The court does not show all the payments I sent the law offices. They wll not tell me why I owe so much and I canot afford amother lawyer to help me because I do not have a job. I went to Legal Services and they will not tell them any thing either. I ca n't sleep and I am stressed out over all of this. No one will help me. Please help me take care of this and make them stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: COn XXXX/XXXX/2015, I overpaid my balance on my Citibank card ending with XXXX, leaving me with a credit balance of XXXX. I called Citibank and asked for a check reimbursing me for the credit balance and they agreed to send it. After a couple of weeks when it had n't arrived, I called again and they said they would cancel the XXXX check and send a new one. Neither check ever arrived. I called a XXXX time, and again they said they would cancel and reissue a check and double-checked my address ( I get junk mail from them all the time, so they do have the correct address ). None of the checks ever arrived. I called again on XXXX/XXXX/2015 and spoke to " XXXX '' who said he would transfer the money directly to my bank account. I gave him my bank information and double-checked it with him, but the money never arrived. 
Citi has cheated me out of my credit balance. It no longer shows on my account online. What should I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (AL).
Issue: Fees

Complaint: I just tried to use the remaining balance on my XXXX CitiBank gift card but could not as it had expired. I then went to check my balance and saw that my money had been stolen in the form of an " Balance Expiration Fee ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: The three main issues : ( 1 ) Mortgage payments for an ( XXXX ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) Homeside lending issued an XXXX mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating XXXX loans ( XXXX / XXXX ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with Homeside Lending, then XXXX went to XXXX XXXX XXXX, then to XXXX. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with International Computer Systems, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Was notified by a rep. from First Collection Services XXXX XXXX stating I owed a debt XXXX. I disputed the validity of this debt and the rep stated the debt could be settled and would call me back with a offer at a specfic time and to have my debt card information available. I recieved a call from a four digit number XXXX at the said time. I refused the call and recieved more calls from the same number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: About 6 months or 7 months ago i received a called, from A company called GCS Services.Its regarding my student loan.And they said, this is a debt collector, they asked me for my name : And i said, why? what is this is about. They told me, they would help me to get out of Default, after 6 consecutive payments.And i agreed, even set up a payment plan for {$84.00} every 28 monrhts of the month.The last payment was on the XX/XX/XXXX of XX/XX/2017, next payment is the XX/XX/XXXX {$84.00} On XX/XX/2017 US DEPARTMENT OF EDUCATION , sent me debt collection Bill for {$84.00} i decided to contact them regarding my bill.They said, they we n't sure or what i was referring too. And also all the money i was paying GC Services, they are not Aware of anything. I was so devastated by the news. After all of my effort, and hard work to have the Funds on my, account on time. This generate alot of stress and frustration on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage in currently serviced by Ocwen. I applied for a Modification and began making payments under a trial period in XX/XX/2014. After turning in at least XXXX separate financial statements, numerous documents that needed to be notarized, XXXX different account agents, and 10 months of payments I was served with foreclosure paperwork. I was told when I started the Modification Process that Ocwen would help me lower my payment and apply " capitalization of arrearrages '' to my loan to make it current as soon as my trial period was over. Now almost XXXX full year later, and {$12000.00} in payments I am told that I am 3 months behind and my modification will not be approved unless I pay {$3100.00}. I have called weekly and spoken with Ocwen about the status of my account, and was repeatedly told everything was fine and I was current on all my payments. Upon speaking with my agent today I asked what I was supposed to do as I do not have {$3100.00} and I was told the modification would not be completed because the investors would not approve it and that is all she could tell me at this time. I have done everything Ocwen has asked me to do. Completed every payment they asked me to make during the trial period, turned in all the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: On XX/XX/2016 I submitted a complete Short Sale packet to Financial Freedom for review. They requested a new Property Appraisal by a 3rd party Appraiser of their choosing. On XX/XX/2016 the value came back at {$740000.00}. Based on the terms of the contract provided by financial freedom the appraised value will determine the acceptable purchase offer price which is XXXX % of that appraised value. An addendum with the new price of XXXX % of the new Value was submitted for approval in the amount of {$700000.00}. The note holder CIT group inc. was to give the approval within 2 to 3 weeks of submitted offer. Instead i received an email on XX/XX/2016 with no return or contact information that the appraisal had some Flaws? no explanation as to why the appraisal was not to their liking as i believe they are misinformed of the actual value of the property. The reason for this was a prior appraisal from a former offer from over 8 months ago by an out of area appraiser who gave a value of $ XXXX.with no consideration to the cost of repairs and its current dilapidated condition. That value was given as a hard number that was used and now that an actual and True value was given they cant accept the reality. I think this is acting in Bad Faith and should be reviewed by a second pair of eyes. This is the first time i have ever heard of the banks own appraisers value come into question. I feel this is not fair and they are acting in bad faith. I have informed the buyers to forward this complaint to their attorney as this is not a common occurrence and something definitely is amiss and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: my loan was sold in XXXX from XXXX to SPS ( XXXX ; XXXX XXXX XXXX ) IT HAS BEEN A MESS IN THA I HAVE SUBMITTED EVER Y SINGLE DOCUMENT THEY HAVE ASKED FOR PAST TWO YEARS PROBABLY OVER 40 TIMES YET THEY KEEP ASKING FOR SAME THING now I find tha they might not be legal owners of mortgage and have no standing in foreclosure case filed by XXXX in XXXX.They r not licensed mtg company in Illinois!! There r many cases on XXXX blog regarding SPS specifically in flordia where many cases have been dismissed and reversed because of SPS ILLEGAL ACTIONS.my next court date is XXXX at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Please file below with Transunion. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violaton taking more than 30 to investigate a dispute

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The XXXX XXXXXXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to TransUnion, XXXX XXXX XXXX Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



TransUnion 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 11-07-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (PA).
Issue: Managing the loan or lease

Complaint: Wells Fargo financial services is reporting a late payment history incorrectly. I mailed in my payments. They issued XXXX account number to me initially then did not inform me until this past XXXX. Also, they charged me for forced placed insurance when I had insurance on the car. I have made all attempts to correct however, theyou only partially corrected it. I also request that the XXXX they changed me be credited to my paments, they refused and credited to my principle balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On or above XXXX XXXX, 2016 I closed a saving account with Citi Bank located at XXXX XXXX XXXX XXXX NY XXXX. On XXXX XXXX, 2016 I received a promotion offer # XXXX to open a citi gold account and earn XXXX thank you point equal with {$500.00} gift card. On same day I went to citi bank branch address above but associate costumer service unknown name refused to open account who later called his branch manager XXXX XXXX XXXX who disrespectfully and arrogantly stated " I do n't allowed my employee to open account for you because you just closed one last month. I said that saving account has nothing to do with this promotion. he disrespectfully said : I 'm the boss and I 'm not allowed him to open an account for you just because you closed an account with us last month. I stated that I will file a complain against you and legal action. he aid " Go ahead and do it '' On same day I called citi bank and filed a complaint with XXXX XXXX ID # XXXX I asked for reference number she said that the system do not generate a complain reference number. On XXXX XXXX 2016 I called to find out the status of my complaint but my complain no where to be found. The costumer service filed another complain with reference # XXXX On XXXX XXXX 2016 I called back to find out the status of my complain which seem to be a dummy reference number. I filed another complain with XXXX XXXX reference # XXXX stated " do not think that they will fire branch manager just for that. On XXXX XXXX 2016 I called citi bank to find out about my complain. they said do not call any more citi bank executive manager will follow this matter. I said do I expect to receive any formal respond they said no.

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 05-05-2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Rewards

Complaint: I enrolled in an At & T access more card offer that advertised a XXXX $ At & t phone credit when XXXX $ was spent within the first 3 months. I hit the mark on our XXXX statement and called in multiple times to confirm I was over the XXXX $ mark. Every person I talked to at Citi confirmed I was over the mark. Only after the 3 month period passed did I learn that I was XXXX $ short because they would not count the credit card fee towards the total. I was misled by multiple customer service reps and now I wont qualify for the offer. I attached a chat with a Citi rep confirming that my credit would arrive soon. Later I was told to fax in a proof of purchase which I also did. Only now have I been told I was XXXX $ short. Citi 's mistake has led to my cost of 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 monetary relief