milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Money transfers (International money transfer) with CITIBANK, N.A. (CA).
Issue: Wrong amount charged or received

Complaint: I have an account with both Citibank XXXX and Citibank NA. 

On XX/XX/XXXX, I initiated an international wire transfer from Citibank XXXX worth XXXX from my personal account, to my Citibank NA account. 

Fees : XXXX ( debited from my bank account in XXXX , NOT THE BALANCE ) Rate : XXXX for XXXX Balance : XXXX Incoming international wire transfer fee : XXXX Expected Balance : XXXX However, the balance credited to my account was {$9900.00}. It seems that an additional fee was levied. I am 100 % sure that Citibank XXXX did not charge any other fees because the balance sent was exactly the figure above. 

I called Citibank XXXX and they indicated that an intermediary bank was used, which, in this case, was Citibank New York. My branch is in California. The charge in this case is {$27.00} from what the customer service representative told me.

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 04/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Every month I received a bill from Ocwen for my mortgage. The invoice is incorrect. It is too high. I call Ocwen and they tell me to just pay the amount on the website, the invoice is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Payoff process

Complaint: I intended to pay of CITI CREDIT COSTCO in full so a check, along with the statement, for the amount of XXXX was sent on XX/XX/2016 to cover the full balance. 
The check was received by CITIBANK and cashed but the bank has been unable to process it appropriately and post it on my account. 
Since XX/XX/2016, my calls, faxes, and email to the customer services have been worthless and without result. The main issue here is that my money is being held for no reason ; and at the same time late fees and interests still being charged. 
I do n't see how this issue is going to end since the customer service is not responding.

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 06-10-2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Early this year I disputed an account reported by Debt Recovery Solutions account # XXXX through XXXX and it was deleted because the creditor failed to provide me with proof of such debt. Now on XXXX/XXXX/2015 I just discovered this same accountis being reported through XXXX only. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Making/receiving payments, sending money

Complaint: I have several complaints against Citibank especially with a XXXX XXXX XXXX a client liaison. He has accused me of being non compliant in paying off an account ending in XXXX. It has been proven that his response unit is incompetent and again has " confirmed '' that they do n't know what they are doing. I have fulfilled paying Citibank the settlement agreed amount owed. Yet again out of the four payments cashed by Citibank two were claimed not received. The XX/XX/XXXX and XX/XX/XXXX payments I paid in addition to the checks I also sent XXXX money orders XXXX for {$20.00} the other {$30.00} respectfully. On XX/XX/2016 I was told since payments were not received the account is in collections for the empteeth time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date isXX/XX/XXXXand my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.

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 08-09-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Trouble during payment process

Complaint: My payment history is being reported to other banks incorrectly. We are attempting to refinance our XXXX XXXX mortgage. Seterus is stating that we have been past due. we modified our mortgage after our bankruptcy and now our mortgage is current. We have made our payments on time since XX/XX/XXXX-XX/XX/XXXX. I would like a letter stating that payments were made on the XXXX of each month. Thank you XXXX XXXX XXXX Loan # 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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: After reviewing my credit report ( see attached ), I noticed accounts on my credit report that were inserted without my knowledge. XXXX XXXX, via Transunion, placed several collection accounts on my report and never sent a dunning letter or any other notification of the alleged debt as the FDCPA mandates. 

I have never did any business with this company nor have I ever heard of them. To that end, I communicated in writing to XXXX XXXX in XXXX 2017 ( see attached ), seeking that they validate the debt they are stating I owe them ( see attached letters ). 

As of today, based on the tracking information provided, the dispute letter I sent them is being returned to me. The address Transunion provides on my credit report is where the letter was sent, yet it was undeliverable. How then is this dispute valid if the company did not collect its mail or has gone out of business? What method of verification did Transunion utilize prior to allowing this company to place these inaccurate, unverifiable items on my report? I have also submitted a letter to Transunion disputing the validity of these inaccurate, erroneous, and unverifiable accounts and I am yet to hear from them. 

I took an additional step and contacted your bureau ( the  Consumer Financial Protection Bureau ) ( see attached ), you responded that you have been unable to contact this company and alluded that this company may be non-existent. Therefore, I am making my FINAL REQUEST for Transunion to DELETE these inaccurate, unverifiable entries reflected on my report. 

These items are in direct violation of my consumer rights and should be DELETED 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
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our home went into foreclosure and my home was sold today and wanted to report the illegal activity from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Medical) with Unlimited Progress Corp (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this 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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.

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 06/27/2017 about Mortgage (Conventional home mortgage) with Richard B. Maner, P. C. (TN).
Issue: Struggling to pay mortgage

Complaint: I had a second mortgage that with   XXXX    XXXX  I filed Chapter  XXXX  bankruptcy several years ago and included them in my bankruptcy the debt was discharged. The mortgage loan was transferred to  XXXX   XXXX   XXXX  and they have set a property foreclosure sale for my property for the loan that was included in my bankrupty. My  1st m ortgage is with  XXXX  Mortgage and they were not notified of this sale nor did I receive notice of the property foreclosure sale. It is a mismeador in the  State  of Tennessee to move forward with a property foreclosure sale without giving the appropriate  30 no tice that is required by law. Also you can not collect on a debt that was included in a chapter  XXXX  bankruptcy and discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this information with all XXXX credit bureaus to no avail. I have even supplied information from the acutal creditor stating that the account is closed and to remove it. The Credit Bureaus will not update and correct my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: Deposited 2 checks at BankofAmerica ATM on XX/XX/2016. Machine jammed with 2 checks stuck inside. Bank did not turn machine off. Bank Teller ( Teller Assist ) told me it would have to be recovered when machine was serviced and to file a claim. Filed claim immediately. 

Machine serviced on XX/XX/2016. Per bank rep, all checks removed and part of process is checking for jammed checks. 

As of XXXX CST XX/XX/2016 Bank still can not tell me if my XXXX checks were recovered from machine. Bank says may take " up to 45 days '' to determine if checks were recovered or not. By then the machine will have been serviced approximately a DOZEN times since per the bank, this machine gets serviced twice a week. 45 days to determine presence or absence of my checks. If the machine subsequently spit my checks out to the next customer bc the bank refused to turn off the machine, that means some stranger has both of my checks which are endorsed. In that case, I need to rush to have my employer put a stop payment on them. If they DO HAVE them, then why in the world cant they tell me that and move along with depositing them as I instructed. So obviously I need to know asap.

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 02/29/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Problems when you are unable to pay

Complaint: Debt cleared then re-emerging after new sale was made. I leased a vehicle XX/XX/XXXX which was totaled XX/XX/XXXX. GAP coverage, insurance, and individual coverage from the branch of Toyota were all applied to my balance to cover for the vehicle and the vehicle itself was auctioned off. I had received a letter notifying me that I had around 20 days to pay off a large sum of money ( approximately XXXX $ ). I could not pay this amount so it was put into collections. XX/XX/XXXX, I returned to the same Toyota dealer who originally leased me the vehicle to clear up any debt I may owe and possibly consider another vehicle, as I needed one to commute to work. After over an hour with the finance manager, and him making several calls to Toyota financial and Toyota Motor Credit Corp, we came to a resolution. The finance manager assured me I did not owe any sum of money to Toyota Motor Credit Corp, as did the individuals from TMCC we were speaking with about my account. I was entirely prepared to make a cash payment settlement at this time, but was assured I was clear of debt. After this all took place, the finance manager quickly addressed my need for a means of transportation and introduced me to a floor sales representative who had then sold me a vehicle for just over {$12000.00} under Toyota Motor Credit Corp. This is the car i still possess today, and make 100 % on time payments for each month. However, I received a letter in the mail today dated XXXX XXXX, XXXX stating it was a claim for collection from Toyota Motor Credit Corp in the amount of {$7400.00}. I feel that there has been a violation of the Consumer Protection Act in that I was taken advantage of, and even misled about information regarding any debts, in order to make me purchase another vehicle. This deception caused me to purchase a vehicle unaffordable to me in the event I owed such debts. Purchasing a more affordable vehicle and resolving the debt would have been my course of action had I not been deceived. However, instead I have been almost tricked into purchasing another vehicle and lied to about the true details of any debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: Hello, I purchased a car with financing provided by Wells Fargo in 2014. I am insured with XXXX XXXX company and have been since I purchased the car. Early in my finance, I realized Wells Fargo was charging me for insurance. I called them to note the error in 2014, and was told the charges would be removed in short order. In reviewing my statement over the past few months, I 've noticed I 'm still being charged, close to {$6.00} per month for Wells Fargo insurance and interest. Again, I am already insured and upset that Wells Fargo is double-charging me. I called them again today and they told me they would start an investigation, but did n't promise to remove the charge. I am happy to provide my declarations page to prove that I have coverage, though Wells Fargo has not requested it. I feel I am being and have been scammed.

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 10-02-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: My interest rate was increased without notice to 26 %, and I have had my auto pay set to pay whatever the minimum balance is each month, the idea was to help build my credit. After 6 months, I notice that I have been getting hit in $ XXXX interest charges, some months I was charged XXXX $ in just interest. When I called the Company today to find out why, they said I needed to pay the entire statement balance in order to stop the massive interest charges. Gave no reason as to why my rate changed and then the rep tried to tell me everyone 's rate is the same, then would n't explain why the minimum payment that their system sets, is n't really what I need to be paying or why they couldnt notify me about it. I have no late payment history with these people yet they told me they can not change my interest rate or work with me on getting this paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with Army and Air Force Exchange Service (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A fraudulent credit account was opened in my name subsequent to the XXXX computer hack. I closed the account as soon as I found out, first with a phone call, then with a follow-up letter per the instructions given in the phone call. 
Months later, I received a collection letter. I replied to this letter, including the documented account closure and envelopes of mail pertaining to the fraudulent account which my alert postal carrier had re-routed to my address. 
My complaint is that I requested all documentation pertaining to the fraudulent account opened in my name, citing my rights under the Fair Credit Reporting Act. Military Star has not complied with this request. Also, I do not know whether AAFES plans to pursue payment of the account ( especially since they send mail to an incorrect address - I 'm lucky my postman delivered at least some of the Military Star mail to me. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I do have a very good credit ( maybe an excellent credit ), but I can not run my credit or get a credit score or a print out because I do not have a Social Security. I apply for my credit cards more than 10 years ago using a ITIN # or Tax Payer ID #, I used to run my credit report or credit score without problem and now I ca n't. I feel discriminated ... DISCRIMINATION it 's a horrible feeling ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Account opening, closing, or management

Complaint: I recently opened up a checking account at the Key Bank XXXX XXXX XXXX location with XXXX XXXX. I opened this account because she said it would drastically increase the interest rate on my CD. I already have a checking account that I am happy with, so I informed her that I would not use the new account and would there be fees if I did n't use it. She said no as long as I kept {$50.00} in the account. So I went ahead and opened the checking account. 

I received a letter dated XXXX XXXX, 2015 informing me that I would be receiving an inactivity fee on this checking account. This was surprising to me because I know I specifically asked about such fees associated with this account. The representative did not disclose this to me and led me to open a checking account which I do not want. 

I called the number listed on the letter and they said that this is correct, I will be assessed fees. I understand how to avoid these fees but my issue is the total misrepresentation of my account by your banking rep. 

At the time I opened the XXXX I was also told there would be no fees to transfer money from my savings account with them to the XXXX however, I was charged a {$50.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: I was on a joint acct with my son in XXXX 2015 there was a fraud done on the acct he forward the police and the FBI report to the bank they refunded the money XXXX {$500.00} XXXX back to his acct. In XXXX they decided they were going to take the money back out of his acct. on XXXX XXXX so on XXXX XXXX I told my son to get me off the acct so they do n't go into either my business or my personal acct so we closed the acct on XXXX XXXX on XXXX XXXX the bank ( XXXX XXXX XXXX reopened the acct and took the money out of my Business acct in which my son is not on so they should not have touched my money they said my ss # was hooked to that acct but it was n't I opened my business acct with my TIN and my son is not on either of those accts. I went into the bank on Friday and the Banker talk to a guy named XXXX was taking care of it and he would get it back into my acct on Tuesday XXXX XXXX it was put back into my acct by XXXX I closed my personal acct that day XXXX XXXX and by the following morning my money was once again taken out of my acct the business banker XXXX showed me the email from XXXX stating he put the money back into my acct and to have my son make arrangements with their collections department but yet and still they took the money out of my acct and have not put it back so I feel the robbed me they stole {$500.00} from my business and I want my money back. I also checked my acct at the atm when I left the bank and the money was back in my acct so I did see for myself that it was put back into my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage was transferred from Greentree to ditech for servicing. my escrow account is no longer being properly handled. I am receiving bills for taxes and insurance eventhough monies are being held by ditech to remit the monies. explain to me why is this company is allowed to continue servicing accounts despite the hundreds of online complaints posted and the XXXX complaints filed regarding the mishandling of people 's mortgage accounts?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (OK).
Issue: Settlement process and costs

Complaint: My husband and I, Remortgaged our home back in 2005 with Well Fargo MortgageCompany. With the interest rate of 8.125 %. They have not reported nothing XXXX,, since we have had Them as our mortgage coThey, take our payment directly out of our Bank Account on the XXXX day of eachmonth. And has done this for the last 10 years. The beginning balance was XXXX back in 2005. I, have not received no Statements of how much we, stillowe, Its been about 7 years ago, since I, have seen a statement from them telling usthe amount we still owe. We have only received our yearly Mortgage Interest Statementat the year end for our yearly Income Tax Report. We get our Bank Statement each month showing our withdrawal from Wells Fargo where they where they have taken the money our of our account .The rate has been 8.125 % since we have had themortgage with Wells Fargo XXXX Even when ever body else was paying 2.5 %. 
Not getting no monthly statements, or not reporting XXXX that our credit score could be a lot better. 



Would Appreciate any help that we could get. 

Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation