milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times. 
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the 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 06/29/2017 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Several years ago I overdrew my U.S. Bank checking account, after paying the incurred fee I went to a local branch and enquired what I could do to avoid this in the future. I the banker said he enabled a feature of the account that I understood to be a type of overdraft protection where pre authorizations for transactions that were larger than the account balance would be declined. Additionally I was told I was signed up for email alerts about low balances. This past week U.S. charged me three {$38.00} overdraft fees in rapid succession, when I called U.S. Bank I was told my account was actually configured to accept transactions that would put the account in overdraft for a {$38.00} fee to extend that credit. This is exactly the situation I wanted to avoid by going into the branch and instead of limiting the overdrafts on the account it was instead configured to accept more overdraft transactions, each for a fee.I also want to note the three transactions for which the {$38.00} fees were levied were not recurring transactions but one time transactions which I fully expected to be declined if they would put the account into overdraft. Instead U.S. Bank not only allowed the account to go into overdraft but once it was in overdraft continued to approve transactions and charged a fee for each occasion. The U.S. Bank phone rep argued these fees were valid because U.S. Bank provided me with a service in the form of credit once my account was overdrawn, however I took explicit action to disable this feature and service and believe these charges to be highly questionable given these facts.

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 10/28/2015 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Using a debit or ATM card

Complaint: I am a current customer of the North Carolina State Credit Union. I have my checking account and a savings account with SECU located in XXXX XXXX North Carolina. 
I have direct deposit of my Social Security Disability check being deposited into my checking account each month. I recently closed a checking account due to it being compromised and opened a new account for direct deposit. The old account was closed on XXXX XXXX. XXXX XXXX XXXX SECU allowed a unauthorized debit from a business in the amount of XXXX to be debited from the closed account. There were no funds in the account and the account was closed. I did not authorize this debit nor did I have any knowledge of a bill from this company. 
I went into the branch and was informed that SECU allowed this debit on a closed account. This has put my account XXXX XXXX on hold. 
My sole income is XXXX a month from Social Security disability. I am a disabled person on a fixed monthly income and because of this fraudulent transaction I am in need of help with this matter, This has left me with no means to support myself or my children. I had no knowledge that SECU would allow a debit on a closed account. 
Please contact me I need help with this matter. 
XXXX XXXX XXXX XXXX nc XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a modification on my mortgage in XX/XX/XXXX and was told by my mortgage company not to make payments while the modification was in process ; after the mortgage modification was completed, the mortgage company showed my credit as being delinquent in my credit report, I tried to get them to reverse this to no avail in XX/XX/XXXX and today.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm referencing Case number : XXXX for a previous CFPB case, the reply was n't satisfactory and I disputed it mentioning what I really wanted which is explained from my response " my issue is that I ca n't access the report online, I did n't want to be sent a copy through mail. 
I feel more comfortable viewing my report online and I need to know why I ca n't. 
I appreciate the response but that 's not resolving the root cause, you are just fixing the symptom. 
Do I have to submit a complaint every time I want to view my report, I was even trying to register for your plan to view my report whenever I want, meaning i was willing to pay but because I ca n't access it online I ca n't even start the subscription '' Equifax did n't respond, they closed my case which is still very unfair because they have n't actually sorted out my problem

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Advertising and marketing

Complaint: I had applied for XXXX XXXX XXXX XXXX More Credit card from Citibank and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to refund of up to {$650.00} incurred towards purchase of new cellphone from XXXX XXXX XXXX after consumer spends {$2000.00} within 3 months. I purchased an XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$740.00} at XXXX XXXX, Ohio on XXXX XXXX, 2015. I promptly faxed the receipt to Citibank Customer care ( Fax No XXXX ) around XXXX XXXX, 2015. The same had been acknowledged by Customer care as well as XXXX XXXX, Executive Response Unit from Citi Bank. I met the purchase target of {$2000.00} within 2 months instead of stipulated 3 months. However, I am yet to receive my refund of {$650.00} from citi bank. Every follow up is met with standard reply that it will take effect in next billing cycle. Today, I have been informed by citibank that they do not have the Fax copy of my receipt and would like me to send it back in order to avail the offer. I feel I have been cheated by the fraudulent advertisements of citibank and Citibank is intentionally misplacing documents to avoid paying the refund amount of {$650.00}. Please initiate suitable action against citi bank for fraudulent activities. Please find a similar CPFB case logged earlier for the same card ( Case # XXXX ). XXXX XXXX XXXX from CitiBank had called up and expressed false intent to resolve the issue. However, subsequent calls barring one customarily lands up on her voicemail which she never cares to return back.

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 09/20/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I was approved for a loan modification with 3 trial plan payments that began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Then in XX/XX/XXXX the bank cancelled my modification because I did not sent back the Acceptance Letter. I informed them that I did not receive it that they had sent it to the wrong address, one number less. Then I called again and was told that they confirmed that they put the wrong address and would request a reversal on the denial. Again, I called on XX/XX/XXXX and was informed that they would not reverse it and now I have a sale date for XX/XX/XXXX. Please help me avoid foreclosure and keep my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (DE).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have a loan with Ally Financial for a XXXX XXXX XXXX. I paid {$6500.00} in XX/XX/XXXX to 'pay ahead ' as I knew I had some financial constraints happening in the beginning of XX/XX/XXXX. In XX/XX/XXXX, I was notified that I was past due for my XX/XX/XXXX payment. When I asked why, I was told due to no payment being received since XX/XX/XXXX. When I explained what I had attempted to do, I was told their company does not recognize 'pay ahead '. I asked why I was n't past due for XX/XX/XXXX or XX/XX/XXXX and no one could give me a reason. I scraped for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments each of these months, all they considered 'late '. In XX/XX/XXXX, I paid off the loan, less what I thought late fees were. On XX/XX/XXXX, after speaking with an 'offshore ' rep and Supervisor, I was transferred 'onshore ', where I spoke with two reps, all the while arguing to speak with an 'onshore ' Supervisor or Mgr. I was finally transferred to a Mgr line and was told she was n't available and I would have to leave a message. This Mgr called me back within 15 minutes and after listening and empathizing with me, she said she would put this in for late fees to be removed. She also promised me a return call with in the next few weeks. In XX/XX/XXXX, I called and spoke with a second 'onshore ' Mgr, who said the fees were not waived ( which I knew ) and said she would look into this further and call me back. To this day, I have not heard from anyone. I attempted today to call in and requested the number for the customer advocate for Ally, this number was refused to me without my account information and then the rep hung up on me. I would like this to be reviewed to have late charges waived and my credit bureau updated. At this point in time, I will not consider Ally for any future loans. I am beyond upset and frustrated with their non-compliance of my requests. I have worked for several banks and have NEVER promised a customer something I have not followed up on. **I am including my ssn in place of the account # as I am completing this at work and do not have the account # with 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 explanation
Consumer complaint received 06-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: It must be awful when a mortgage holder is behind on their payments and the debt collectors begin their calls, it is another matter when a mortgage is current with payments, and the debt collectors call! 
Such is the practice of Green Tree Servicing , LLC. In conjunction with, XXXX XXXX XXXX XXXX XXXX. 
As a subscriber to the F.T.C. e-mail alerts and messages, I am aware of the recent court case involving Green Tree Financial, LLC. Yet I feel the wolf just found another path to avoid the shepherd. 
I noticed some unusual new information on my XXXX 2015 statement from Green Tree Servicing , LLC. 
Principal : {$510.00} Interest : {$400.00} Escrow : {$0.00} Regular Monthly Payment : {$920.00} Total Fees & Charges Due : {$0.00} Optional Insurance/Other Products : {$0.00} Past Due Amount : {$0.00} Total Amount Due ( Reinstatement Amount ) : {$920.00} Accelerated Amount : Reinstatement Amount? Accelerated Amount? Default??? 
Then the calls started from XXXX XXXX XXXX, and it is just too bad I ca n't attach these voice mails " This is an important message from XXXX XXXX XXXX XXXX XXXX. this is an attempt to collect a debt any information will be used for that purpose, please return our call back to XXXX XXXX extension XXXX '', this message followed with me everywhere I went in XXXX, my cellphone, my home phone, my business phone, my mothers ' phone. I called in response to every phone call I received. As an somewhat aware consumer I left messages, " I am unaware of any outstanding debt, yet I do not as a practice will pay and or converse in any matter of this type without an invoice and or written statement of the debt, I am willing to work this matter out in the most expeditious method possible up and to the event of arbitration. '' I never would receive a call back, just messages and voicemail. 
It was n't until I received a letter dated XXXX XXXX, 2015 from Green Tree Servicing , LLC that the pieces fell into place. " During a review of your account Green Tree determined that your billing statement dated XXXX/XXXX/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. " That is nice, now what other damages, errors, omissions falls on the hands of the individual? Pay to pull all my credit reports, and if there is a " blemish '' caused by Green Tree 's erroneous actions?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. 
These are the certified mail tracking numbers XXXX that was signed for an employee at XXXX XXXX on X/XX/2017 and XXXX that was signed for by transunion and XXXX along with numerous of other attempts to remove this invalid debt.

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 09-08-2017 about Debt collection (Medical debt) with Frost-Arnett Company (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an outstanding bill for XXXX XXXX XXXX XXXX XXXX XXXX for coinsurance. I was not aware of the bill, as I am on the road every week for work. Once I noticed the bill on my credit, I reached out to XXXX XXXX XXXX XXXX XXXX to make the payment. They accepted the payment and I was informed that this information would be deleted from my credit report. However, I spoke with the collection agency and they told me that even though I paid XXXX XXXX XXXX it would not be deleted from credit reporting, as I was paying with them directly. It was my understanding, that a paid debt to the original creditor could not be collected on or reported to the credit bureau. I have paid my bill in full to the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX , Transunion,   XXXX   XXXX   XXXX   they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unna med 3rd party, could e asily be considered false information on my credit report.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed 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 11-05-2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (MA).
Issue: Trouble during payment process

Complaint: According to the HPA, I should receive automatic PMI termination at 78 %. I asked the company to consider such termination at 80 % and they insisted that I submit a written request which I did. They then told me that they never received my written request. 

Then at 78 %, I was told that it wouldnt be terminated until XXXX XXXX as my payment is in arrears. A mortgage payment in arrears has nothing to do with the HPA and PMI termination. As long as the borrower is in good standing, which I am as I have never been late or in arrears, then a request with an appraisal should be honored by 80 % LTV request or automatically at 78 % LTV. The fact that the bank escrow department management told me that I have to wait until my monthly XXXX XXXX payment, although I am currently at 77 %, reveals that this may be a systemic issue with this bank and should be reviewed by your examiners. PMI requested or automatic termination has nothing to do with the payment being arrears XXXX dependent only on good standing and the LTV at the time, 80 % and 78 %, respectively. Since XXXX XXXX, I have been at 78 % LTV, yet I keep being charged for PMI.

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 04-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was past due. I contacted Bank of America to obtain a letter showing the cost to reinstate my loan. The reinstatement letter was created on XXXX/XXXX/2015, and was good through XXXX/XXXX/2015. We obtained a cashier 's check for the amount due of $ XXXX to reinstate our loan. This included the attorneys fees, property inspection fees etc. On XXXX/XXXX/2015, we received a letter stating our payment was received and our next payment would be due on XXXX/XXXX/2015. Our XXXX XXXX, 2015 statement showed the amount due of $ XXXX which is our regular monthly payment. It still showed our home was in foreclosure even though we paid the amount required to bring it current. I addressed this concern with Bank of America and was told it was no longer in foreclosure, but they didnt have anything they could send me in writing to confirm this. We paid our XXXX payment, and it was posted on XXXX/XXXX/2015. 
On XXXX XXXX, I receive our XXXX statement, and it includes Title Fees backdated to XXXX/XXXX/2015! These fees were not reflected on the reinstatement letter dated XXXX/XXXX/2015 nor were they reflected on our XXXX statement. They somehow magically appeared on XXXX XXXX, and were backdated to XXXX! I feel this tacking on of fees and then backdating them is fraudulent. If the fees were incurred on XXXX, they why were n't they listed on our reinstatement letter dated XXXX, or our XXXX statement? Who 's to say Bank of America will not add on extraneous fees on a whim and then backdate them in the future? 
I doubt I am the first borrower they have tried doing this to, but I hope to be the last.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried logging in to dispute a medical debt on my credit report that is not on any of my other reports. The debt in question provides no phone number or address to contact this creditor and equifax allows this information to be reported. From my understanding of the FCRA and address and phone is required to be on the report. I have tried to dispute this information on my equifax credit report however their system will not allow me to. The last XXXX of my ssn are XXXX date of birth XXXX/XXXX/XXXX and my address is XXXX XXXX XXXX XXXX tx XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The first time the rep called me I politely asked them to send me only paper mail regarding this matter but they continue to call consistently.

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