milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (IL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I made a 1 time payment around {$510.00} to Citi Mortgage using the Citi Mobile application for XXXX. The mobile application allowed me to transfer money from my Citibank checking account to my Citi Mortgage account instantaneously. 

On or around XX/XX/XXXX, I checked my available balance using the Citi Mobile application, and noticed that my available amount was much more than I thought it would be. I then looked at my recent transactions and noticed that my Citi Mortgage transfer payment was not listed. To avoid making a duplicate payment and or to confirm what the mobile application was showing, I called the Citi Mortgage payment department. The Citi Mortgage representative explained to me that the Citi Mortgage payment was also not showing on his end, so I went back on the application and repaid.I contact Citi Mortgage to explain what occurred, however they explained to me because the payment only reflected the payment on the second attempt that my payment will appear as late on my credit report. 

I tried contacting other departments such as Citi Executive Unit, Citi mobile application department, who both were able to retrieve the information of when I logged on to the Citi Mobile application on the date of my first payment attempt on XX/XX/XXXX. Even with these details, Citi Mortgage have refused to remove the late payment credit reporting due to the mobile application glitch.

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 06/29/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (OH).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX and XXXX ) for the amount owed to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, Transworld Systems , Inc., was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at Transworld stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX and XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE NEVER, EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX BANK. I HAVE NEVER HEARD OF THEM BEFORE. I NEVER OPENED AN ACCOUNT WITH THEM. I HAVE NO CLUE HOW THIS ACCOUNT SHOWED UP IN COLLECTIONS ON MY CREDIT REPORT WITH BOTH EQUIFAX AND XXXX XXXX. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: not abel to log in to my credit scoor,

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 08-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have called Navient in an effort to pay off any and all late fees. They have assured me that there are no late fees on the account, however, it is still showing on my credit report that late fees are being charged.

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

Complaint: I like many others was a possible victim of the cyber attack on Equifax that has been recently reported on. However, instead of being able to tell me whether my identity has been compromised they vaguely stated that I may have been subject to the hack. They then gave me an enrollment date for a monitoring program at their affiliate. They want me to follow up on their mistake and sign up for a program that will only mitigate the risk of fraud for the first year at no cost. Essentially they are using this error to get more business for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Delinquent account

Complaint: I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Two months ago, when I checked my credit report, I realized Equifax report was wrong, my credit score with the other bureau was XXXX and Equifax was reporting XXXX, so I contacted them via fax and USPS registered post. 4 weeks later XXXX XXXX, 2016 I received their replay and they confirmed that the report was amended ( copy attached ). But the report was wrong again, I contacted them immediately via fax and USPS post and this time I attached XXXX XXXX Court Order Dismissal and Case closed order Case # XXXX XXXX XXXX 2016 ( Defendant Motion to Dismiss GRANTED - CASE IS CLOSED ), I received their reply XXXX XXXX 2016 Ref : XXXX / No historical account info was deleted and still reporting XXXX missed payments and status FORECLOSURE Pending!!! 
There is no Foreclosure order or pending court order for this property, lender is lying. 
Equifax ignored XXXX Court Ordder and continue reporting our property FORECLOSURE status. My credit card application with XXXX XXXX was declined because of their mistakes ( see attached letter from XXXX XXXX Bank ) I can not no longer continue arguing with these people, can you please help me to resolve this matter amicably before I take legal action against Equifax. 
Thank you and Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon being notified by my cell provider that there were several erroneous items on my credit report, I contacted all XXXX of the major credit bureaus to correct the errors. Of the several errors on my report, XXXX was a XXXX Bank credit card account that was sold to XXXX XXXX. Through the CFPB 's assistance, XXXX removed the account from all XXXX bureaus. Since they were alerted the account was not mine in the XXXX place,, XXXX XXXX and XXXX removed the XXXX account from my credit history. 
Equifax however after being advised repeatedly by certified mail and through their website have ignored my demand to remove the XXXX account from my record ; claiming that they have verified the account to be mine ; which is a falsehood. I maintain that this was never my account. I have been disputing this for more than XXXX months now and am now demanding proof of this debt from XXXX Bank as I know it does not exist. Short of legal action against Equifax, I do n't know how to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recently moved to TX and got this phone number. I receiving phone calls for a XXXX XXXX XXXX between 4-5 times a day. I have notified the company numerous times that this is a new phone number belonging to the XXXX 's and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In 2011 I hired XXXX XXXX as my caregiver followingsurgery. During the next 3 and a half years she systematicallyused all my credit cards and atm card for her benefit. 
Thousands have been stolen. I filed XXXX police reports. Nohelp. Am currently contacting the fraud dept. of all cards used. 
{$1700.00} has been returned. More to come. I had my bank autopay my bills while my XXXX was healing. I trusted her.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Portfolio Recovery, (   XXXX   ),   XXXX , calling after  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I paid off my XXXX XXXX account through Portfolio Recovery on XXXX XXXX, 2016 and after several ( XXXX ) attempts to get a Letter of Satisfaction, I have yet to get XXXX AND the debt is still showing on my Credit Report. I have called, emailed and mailed a request for a letter. Every time I call, they say that the letter will be mailed out and I should have it in a couple of days since I live within XXXX miles of the office. I feel that this is " NOT '' a reputable company and I am now out of over {$1500.00}. If I have to subpoena them to court, I am going to ask for my payment back!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I continued to send Porfolio Recovery requests for validation and verification but to know avail. This is not my debt and i have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account that Portfolio Recovery knows this but continue to report this false information on my report. Now they are calling me and demanding for payment

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous.

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 02/19/2018 about Debt collection (Auto debt) with Prizm Financial Company, LLC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX Prizm Rep, XXXX XXXX stated in an email that XXXX would likely, " write-off the deficiency '' for a vehicle I voluntarily surrendered. This was supposed to be a compromise and settlement to previous unethical and illegal practices I experienced by XXXX XXXX. However on XX/XX/XXXX I received a letter from XXXX XXXX, Prizm 's " Legal Collections Manager '' that stated I owe {$9100.00} to XXXX because " The proceeds from the sale of the vehicle were insufficient to satisfy your loan obligations. '' I was led to believe this issue was resolved however it was just another ploy to take advantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX of 2017, I got a letter by mail with an offer to open a credit card with a promotional 0 % APR for 15 billing cycles on balance transfers and {$0.00} Transaction fee if used within 45 days of opening the card I applied, so I could transfer {$3500.00} from another credit card. Having excelent credit score, I saw no problems with getting approved for the amount mentioned above. I was approved for a credit limit of {$250.00} dollars. Obviously when asked about the reason, I was told because of high balance on other cards, even though my credit score is excellent. Strange thing, but I believe this is a misleading advertising as with this they got me enrolled, but I will not be able to use the offer that lead me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one.  All for nothing, as they didnt grant any credit increase. This will affect my credit score.

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 08/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my mortgage was sold from XXXX to Green Tree Servicing. In XXXX, my homeowners insurance was cancelled because GreenTree made the payment late. " It crossed in the mail. '' In XXXX, I received a check for escrow overage. On XXXX XXXX, I received a notice of delinquent taxes from my county treasurer. I called the County Treasurer on XXXX XXXX, they indicated to me that the XXXX tax payment had not been made and the XXXX tax payment was applied to the delinquent XXXX payment. I called Green Tree Tax department immediately after I hung up with the County. The Tax Department had me fax over the delinquency notice and they would " research '' the case, which would take 2 weeks and they would get back to me. To date, I have yet to hear from Green Tree. Furthermore, when I asked what to do with the escrow overage check, the Tax Dept. told me that it was n't their dept. and I would have to contact customer service. Customer Service advised me to return the escrow check to be credited back to my account. To date, I do n't know if this money has been credited back to my escrow account ; I asked for an email or a phone call to confirm this. Finally, my escrow overage is {$400.00} less than my delinquent tax bill. I have written a letter to Green Tree outlining my dissatisfaction with this situation, their customer service and what I would consider resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: An apartment company filed a invalid debit with Hunter Warfield Collection agency. I had filed a notice to dispute and also contacted the apartment company and an attorney. The leasing company, XXXX XXXX XXXX in XXXX XXXX chose to ignore the letter from my attorney stating the debt was invalid and discontinuing collection activities. About a 4 days after the letter from my attorney was writtent to both the collections agency and the leasing company an old aquantance of mines PARENTS recoevef automated dialings from the collections agency about me. Not only was I embarassed but they had no reason to contact someone I knew years ago parents. When I asked them to stop they basically told me that I needed to pay my debt I told them to talk to my attorney and all collection contact needed to stop and they told me no, only for a week they would stop and then they would start again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with Colony Brands, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS IS MY DEBTH WITH XXXX XXXX. THEDEBTH WAS WRITTEN OFF. I DECIDED TO SETTLED FOR LESS THEN THE FULL BALANCE. I PAID THE SETTLE AMOUNT. THE PROBLEM IS THE REMAINING BALANCE KEEP GETTING REPORTED TO THE CREDIT BEREAU AS I STILL OWE. BUT I SETTLED THIS ACCOUNT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I fell behind on my payments t o Capital one and  my card became restricted. On  XXXX   XXXX  I contacted their online customer service and entered an agreement with them that if I mad e 3 payments on time, and got the balance below my credit limit my card would become unrestricted. I met my obligations with 3 on t ime payment in  XXXX ,  XXXX , and  XXXX  and I actually paid my balance down by half.     Unfortunately, my card is still restricted. I contacted  Capital One to  ask them who and they are now claiming that our agreement did n't begin until  XXXX   XXXX  so I have to make  one m ore payment. When I informed them that was not the agreement and asked for a copy of the transcriptions from  XXXX , they stated they are n't able to access those. To which I asked .. '' So you can enter agreements with customers but not keep a copy of the agreement? ''. When speaking to multiple managers about the situation, they all say they have no control over the account becoming unrestricted that it is purely a " computer thing ''. I asked again there is not a single person in your company who can override and incorrect date, and again the answer was no.     So here I am having met and exceeded my end of the contract an d Capital One  has not upheld their end stating that the agreement was n't valid until  XXXX . I am frustrated that there is no accountablity for them not following through on their actions and the fact that all the supervisors say there is absolutely NO way to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Well fargo wo n't apply my payments when they are received. I had file complaint number XXXX with consumer finance and Well Fargo reported the payments where applied and credit agencieys were notified. Now the next payment I made goes to unapplied just like EVERY PAYMENT i 've made for three years!!!!!!!!!!

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 05/23/2017 about Debt collection (I do not know) with Capio Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ASSETCARE does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y ) they nee d to retract this from my credit file immediately.

Company response to consumer: Closed with non-monetary relief