milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon being denied from a lender for " multiple inquiries '' from Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Transunion that I DID NOT authorize and had no knowledge of. I contacted Transunion and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.  XXXX   XX/XX/XXXX   2 .   XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XX/XX/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 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (UT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I applied and was approved for the KeyBank Latitude credit card with a promotional interest rate of 0 % APR for 15 billing cycles. Additionally, the offer included a 0 % introductory convenience check fee and/or balance transfer fee. Checks were provided in a separate mailing and indicated that they could be used to make purchase 's, transfer balances, or get cash. I attempted to write a check for {$11000.00} that was returned and I was charged a {$12.00} return fee. My available balance on the card indicated I had {$11000.00}. When I called to resolve this issue I was first told I the check was returned because I didn't have enough credit available. This was clearly false. I was then told that checks have a fee, which may be true for some, but these clearly indicated there would be NO fee. Finally, they came back with the answer that these checks apply to the " cash advance '' limit, which was only between XXXX-XXXX on this account. This was not clearly disclosed ANYWHERE on the checks provided. My " cash advance '' limit is also not clearly established on my online account or any of the disclosures that were provided. This is a clear case of consumer harm that could easily have been avoided. Attached is all the supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: Purched a home in XXXX for XXXX dollars in the last part of yr XXXX i was told i had stage XXXX XXXX ( XXXX ) was taken out of the work place.fell behind on payment to the morgage co.called them asked what i should do.they offered us a paent plan.it was all good the arreages were to be put on back of note.three months go by amd we get a leyter from the bank stating we were denied. This happened XXXX differnt times.long story short, everytime after that when wed make a payment, we went farther behind.bad enought to go from XXXX incomes down to onethen this.we spent i bet XXXX dollars doing modifications.the goverment even gave me a XXXX dollar grant to cautch us up.well guess what it got lost for two yrs.all of a sudden. It shows up in our ecrow. Account next day its gone .they dont know where its or where it went.to this day no credit has been put on my account. We filed bankrupcy twicein XXXX and XXXX.they never said im sorry for the lost of your money or nothing.anyway in XXXX ( they say they forclosed on our home ) i dont know how we stayed in the home till XXXX.we moved on our own tired of messing with them.contract in XXXX for XXXX dollars moved owniing XXXX dollars on home in. XXXX and XXXX we XXXX dallar a month payments on home western union.no credit given.yes i have all receipts of payments. The forecloser is still stopping me from getting a good credit score.boy it makes me mad to think about it.please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I see that I have a dept collection of {$340.00} from stellar Rec that was opened in  XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.

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 04/24/2018 about Debt collection (Medical debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 non-monetary relief
Consumer complaint received 03/30/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
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: I contacted XXXX and informed them that they were improperly reporting student loans that do not belong to me from Nelnet/DEPTED on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that XXXX  received my letter requesting to remove the incorrect accounts from Nelnet/DEPTED on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having XXXX send me an updated version of my credit report reflecting correct deletion of any accounts associated with Nelnet. XXXX  never responded to my request to have the accounts removed from my credit report. 
I contacted XXXX via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of XXXX, XXXX XXXX, who confirmed that XXXX does not have documentation from Nelnet/USDEPTED with my signature for any student loans and that XXXX is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are several discrepancies on my credit report. I had initiated a fraud alert but the very items in question proceeded to collections. The judgments have been ruled in favor of the collection agency based on fraudulent address ( utility bills and cell phone bills ). 
Also due to unemployment, I lost my home due to foreclosure after that I received an amended tax bill stating the credit card balances has been recorded as income on cards that we settled through a debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: I have a credit card from Wells Fargo- {$800.00} limit. I transferred {$1200.00} to it from my checking account-XX/XX/2015 so as to use it for a transaction but the extra money was not showing after all. I called the bank XX/XX/2015 to transfer the {$1200.00} back to my checking, I was told that the money will show in my checking account the next day ; I waited till the next day as was told but the money was n't in my checking account so I called again that day-XX/XX/2015, I was told that they will take care of it. On Monday the following week-XX/XX/2015, I went to a shop and my credit card was denied so I came back home and checked my accounts, I did not see the {$1200.00} that was supposed to be transferred back to my checking account and my credit card had been closed. I called them and they said they transferred the money back to my checking account XXXX mistakenly and this threw the credit card account over the limit and my credit card account was closed, the reason being that I went over the limit because the bank made a mistake and transferred {$1200.00} XXXX times back to my checking account instead of XXXX. I called the bank, they told me that they will reopen the credit card account and also request from the credit rating companies to nil of this incident from my credit history. To my surprise, I called this morning, I was told that it was my fault that they transferred {$1200.00} back XXXX into my checking account ; they said because I called XXXX and requested for the transferred back to my checking account and that they did that. 
I am feeling this complaint because I feel cheated out, embarrassed at the shop and felt like this is discriminatory. 
It was not my fault that a bank will make a double transfer when I was told that I was supposed to see the money in my account the next day and when I did not see it, I called back. The transfers did not show on my checking account until the next day-XX/XX/2015, so as at XX/XX/2015, I had no knowledge that such transfers were made. 
It is all the bank 's mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: I have been trying to fix my credit report information with XXXX and TransUnion all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the 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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (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: Chase card services reported the card charged off as of XX/XX/XXXX. In XXXX XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: U.S Postal Certified Mail No : XXXX GA XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. PA XXXXXXXX, 2015RE : XXXX- REQUEST FOR PROOF OF CLAIMAccount # - XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Georgia Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Credit reporting () with Convergent Resources, Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed a collection on my credit report for Convergence Outsourcing and received dispute results after completing the processing of my dispute results were removed/deleted. The date XXXX complete dispute was XXXX 2015. On XXXX XXXX, 2015 the collection agency, Convergence Outsourcing, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from Convergence Outsourcing. Please assist in the removal of Convergence Outsourcing permanently. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX that I have had with them since XX/XX/XXXX. I contacted XXXX and was told to contact my bank. XXXX  told me to tell the bank to be sure to report the information. I contacted the bank and they assured me that my information was being reported. XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX. I disputed the information with XXXX and received a reply in XX/XX/XXXX that they had contacted the creditor and they had 60 days to dispute the information.

XX/XX/XXXX I received a credit report from TransUnion that did not include my mortgage with XXXX XXXX XXXX. I contacted TransUnion and was told to contact my bank to report the information. I called the bank and was told they are looking into issue.

My mortgage is from XX/XX/XXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX   my Loan number is XXXX with a balance of {$70000.00} due

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 01/29/2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I made two regular mortgage payments which would pay my XXXX and XX/XX/XXXX payments. This payments were incorrectly posted as a principal reduction. I called to have this reversed and reapplied. When this was completed, the bank failed to effective date the transaction of XX/XX/XXXX. Therefore, not only is my interest accrual wrong but my tax statements as well. I have called three times to have this corrected to no avail. My current tax statements show I have paid interest in XX/XX/XXXXwhen in fact, I have not paid any principal or interest in XXXX. When I spoke with a woman named XXXX today, she advised me that there was nothing to correct because I paid the interest in XX/XX/XXXXand they can only report interest for a 12 month period. This is simply not true as it was paid in XXXX. I need these payments corrected with the proper posting date ; we all know interest accrues daily on mortgages so this is deceptive to the consumer. I also need my tax statements corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with MONEY SOURCE, THE (CA).
Issue: Trouble during payment process

Complaint: Borrower : XXXX XXXX, Property : XXXX XXXX XXXX XXXX, CA, XXXX. 
Loan number : XXXX On early XX/XX/XXXX, writer requested via phone requesting cancellation of private mortgage insurance ( PMI ). 
By XX/XX/XXXX, The Money Source ( TMS ) sent a letter regarding the conditions to be met before PMI can be cancelled. I opted to go for request based on Original Value. I sent a {$200.00} dollar cheque for Broker Price Opinion.  Nothing happened. 
On XX/XX/XXXX writer made a call to customer service ( talked to XXXX -supervisor ) made a follow up on my PMI cancellation application. XXXX said they will escalate my inquiry. 
XX/XX/XXXX, writer called customer service department regarding third party appraiser did not come in. Representative said " I ca n't do anything ''. 
On XX/XX/XXXX, a third party company came to the property to take pictures. 
On XX/XX/XXXX, writer made a follow up on PMI cancellation application and the representative said " I will escalate that inquiry to my supervisor. You should be receiving a letter after 30 days after the 3rd party appraiser visited your property ''. 
On XX/XX/XXXX, writer made a follow-up and said " I will escalate your request ''. 
Nothing happened. Frustrated. 
I know I will qualify for PMI cancellation based on Original value because my LTV ratio is below 80 percent and I am up to date on my monthly payments. I need your help to expedite my request as TMS is using a delaying tactic. 
Thanks a lot.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: For the past 18 months I have been disputing with Equifax Inc., the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Equifax Inc. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Equifax Inc. added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reported for same account as XXXX XXXX XXXX for XXXX XXXX I also told Equifax Inc. to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My last certified letter that I sent Equifax was on XXXX XXXX, XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me. 

Also Equifax Inc. has taken off accounts that belongs to me, I 'm demanding those accounts back on my account which is as followed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief