milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Prepaid card (Payroll card) with CITIBANK, N.A. (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I tried to withdrawal {$480.00} at XXXX XXXX, it would n't allow me to withdrawal funds. I checked my account within a day and it showed that the transaction had gone threw. I contacted my bank Citi Bank payroll card on XXXX XXXX. I filed a dispute with me against XXXX XXXX. I called Citi bank back after 10 business days, because I had not gotten a credit, and was told their still working on it 2 days after the 10 day period. I was told their credit risk depart is still working on it. I want my funds and I want them fined for not following the law

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 05-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (SD).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2015 I opened a CitiGold Checking account with Citibank. Despite being told by multiple representatives over the course of approximately six months that I was eligible and had met all the requirements ( and keeping the chat logs from online conversations with Citi representatives ), now Citi is reneging on their word and refusing to give the XXXX XXXX XXXX miles they had agreed to award. I want Citi to simply honor the terms of the agreement and award the miles.

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 09/25/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TRANSUNION HAS REFUSED TO INVESTIGATE AS FRIVOLOUS IN CFPB XXXX.THE REPORTING ORIGINAL CREDITOR XXXX, ACCT # XXXX HAS ASKED THE CFPB IN XXXX FOR MORE TIME TO INVESTIGATE THE SAME CLAIM.TRANSUNION DECLARES THE CLAIM TO BE FRIVOLOUS ON THE CREDITOR THEY REPORT.THE ACTUAL CREDITOR REPORTED ON, XXXX DOES NOT FIND THE CLAIM TO BE FRIVOLOUS.TRANSUNION WANTS TO PREVENT THE 30 DAY TIME PERIOD FOR INVESTIGATION FROM TAKING PLACE WHICH IS MY RIGHT ON THIS FRAUDULENT REPORTING ACCOUNT.TRANSUNION IS THE EXTORTIONATE ARM OF THE FRAUDULENT REPORTING CREDITOR.IN THE CFPB XXXX I HAVE DETAILED THE INACCURACIES SPECIFICALLY AND WHAT IS INCOMPLETE SPECIFICALLY THAT THEY REFUSE TO ADDRESS. 
I HAVE ATTACHED THE XXXX PAGE OF XXXX INVESTIGATION XXXX AS PROOF OF XXXX ON -GOING CURRENT INVESTIGATION AND I HAVE ATTACHED THE PERTINENT FCRA LAW THAT IS APPLICABLE TO TRANSUNIONS INACCURATE REPORTING OF DOFD, ETC.

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 12/22/2016 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Other

Complaint: Thank you for helping. I made multiple payments to my credit card intending to pay off the balance. When excess payments were made, Wells Fargo bank provided a refund but then added the refunded amount to my purchases ( in essence ) they gave me a cash advanced for the excess payment I had made. In addition, purchases that were cancelled were still allowed to go through by Wells Fargo and these cancelled purchases were paid. I met XXXX times with Wells Fargo and the problem was not resolved and they closed my case. In summary : payments not posted on time, excess payments not reimbursed, payment cycle continued to change to accumulate interest and web site was constantly change in-accurately inform of payment due date. Please help. Appreciate it.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of XXXX, I contacted CBNA ( Home Depot Credit Services ) to close my account and set up fixed payments of {$22.00} a month until the account was paid off. I was NOT informed that since I had a past due balance that the closed account would still be reported as late to the credit bureau, even with making the minimum monthly payment of {$22.00}. Now, I have 5 late payments marks ( XXXX, XXXX, XXXX, XXXX, and XXXX ) on my credit report. These late payments should be removed since I was never verbally told or received info in the mail to explain that my account with CBNA would be negatively reported to the credit bureau. If I had known my credit was being adversely impacted I would have never set up the payment plan to begin with. I would have just paid the past due balance first, then set-up the payment plan. This does n't make sense. I have made every payment on time since the payment arrangement was set-up. I ask that the late payment marks be removed from my credit report so that all credit reporting is fair and accurate.

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 04-07-2015 about Credit reporting () with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: MIDLAND FUNDING HAS A XXXX ACCT THAT I USED TO HAVE. THE ACCOUNT WAS PAID IN FULL AND THE NUMBER WAS TRANSFERRED TO XXXX - I HAVE ALREASDY CONTACT THEM IN REFERENCE TO THIS MATTER AND THEY TOLD ME IT WOULD BE ROMOVED FROM CBR. HOWEVER AS OF XXXX XXXX, 2015 IT IS STILL THERE EVEN AFTER I RECEIVED A LETTER STATING THAT IT WAS TAKEN CARE OF. I HAVE MOVED XXXX SINCE THEN AND DO NOT HAVE THE CORRESPONDENCE NOW. YET THIS IS HURTING MY CREDIT SCORE. NOT TO MENTION I HAVE NOT RECEIVED ANYTHING ABOUT THE BILL SINCE.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NV).
Issue: Trouble during payment process

Complaint: I pay my mortgage on a bi- weekly basis and also send in an additional {$250.00} towards principal. I have been doing this for the las t 5-6 yrs and would always receive credit every 2 w eeks toward principal as they received my payments. After reviewing my payment history, I noted that effective  XXXX / XXXX / XXXX , I was only receiving credit once a month. This kept occurring until  XXXX / XXXX / XXXX , then started again  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called customer service who tried to tell me that since I am on a monthly billing cycle, that the payment sits unapplied until they get the second payment.  Well  that 's  XXXX  because it never happened before and then what 's the purpose of sending in bi-weekly payments. I called a second time and was told that they changed their system last year and are working out the issues. In the meanwhile, they have been floating my money and not giving me credit for my payments as they receive them. I sent them a letter with my payment history that shows the discrepancies of how the payments have been applied and have not yet heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: I received an auto Insurance policy quote for two vehicles via internet. It sounded reasonable so I signed up and paid the installment fee. when I was ready to print out the proof of insurance cards there was only one vehicle on the policy. I was told if I wanted to add the other one it would be an additional amount. So I paid it. Then a month into the policy I received notice that I was not entitled to the original quoted policy due to a decision made by the Underwriters. I ask for the contact info of said underwriters and requested a copy of the reason behind their determining decision.
I received a 22 page report that contained nothing but my previous addresses and what type of mailboxes I 've had at those addresses.
Another section of the report explained how to read the report and the results of my traffic violation search. Results : No Records Found Another section Stated my current address as reported by a company called " XXXX XXXX XXXX '' Okay, that info was correct.
XXXX XXXX XXXX. reported that I had registered to vote under my maiden name.
Well, I was married at the age of XXXX and never used my maiden name after that.
They failed to give a year for this information.
Another section assessed the value of my home and stated that it had a high risk address description dated 5 years ago. I also lived at another high risk address in 2006. ( over 10 years ago ) Criminal Records : No records found Education Records : I 'm listed as a student. It does not say where. I 'm XXXX years old and not a student.
Lawsuits, Civil Filings Judgements and liens : No Records Found Oh yes, XXXX XXXX XXXX XXXX lists my e-mail address No phone records No Professional Licenses No personal purchase Activity Records No Short Term Credit Offer Request Records It goes on and on with XXXX XXXX Inquiry Records, Consumer Reported Statement, Consumer Reported Alerts, and Consumer Reported Disputes ... .all : No Records Found I paying higher than normal rates for Auto Insurance based on all this nonsense and I do n't know how to fix it.
I am on XXXX, I drive less than 10,000 miles a year

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Credit Counsel, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CREDIT COUNSEL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Company contacted me several times claiming {$300.00} owed for services rendered in XXXX 2014. Its been 4 years and I disputed the amount owed directly with them and they were not able to provide any proof of services. Company decided to report to credit bureau. I called today after seeing it on my credit report. A male representative HUNG UP ON ME. Unacceptable behavior by a representative who is federally and state regulated entity. You help is greatly appreciated. 
Thank you

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 02-10-2016 about Mortgage (Other mortgage) with BB&T CORPORATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We are becoming victims of dual tracking while under review. 

On Thursday XX/XX/2016, obtained order from Federal Judge referring us to the mortgage modification and mediation program. We submitted a modification package. The bank 's lawyer XXXX is fully aware that it is against guidelines to have a sales date if a complete package is presented for review at least 37 days before the sales date. On Monday XX/XX/2016 she filed a motion in state court asking for a sales date. The bank is displaying unclean hands and no good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NC).
Issue: Struggling to pay mortgage

Complaint: Citimortgage was handling my deed in lieu and everything was done they even had an attorney XXXX send me the legal documents to sign. XXXX emailed me the documents on XX/XX/XXXX. We signed and returned the documents to XXXX overnight on XX/XX/XXXX which they received on XX/XX/XXXX. 

Citimortgage ( XXXX XXXX and XXXX XXXX ) told me that my loan would be assigned to another mortgage company on XXXX so I needed to get the documents signed and returned to the attorney 's office before XX/XX/XXXX. 

Although my documents were signed and returned to the attorney 's office on XX/XX/XXXX at XXXX. I received an email from XXXX XXXX at XXXX this morning stating " I was advised that the file has been service transferred. '' I spoke with the new servicer this morning and was told that the loan was not transferred until XX/XX/XXXX so I do not understand why XXXX did not complete the legal documents and complete the deed in lieu. XXXX and Citimortgage are just XXXX me around. 

As you will see from my previously submitted complaints that Citimortgage has never done their job. Why would they transfer my loan when the deed in lieu was basically completed. 

Also when they transferred my loan, per my conversation with XXXX XXXX XXXX d/b/a XXXX XXXX, Citimortgage did not even tell them about my deed in lieu or send them any of the information as to the status of my deed in lieu which I stated above was basically completed. 

Citimortgage is a horrible horrible company who I feel have fraudulently XXXX me and my family from the beginning and you ( cfpb ) have allowed them to continue to XXXX us around. They have allowed this process to go horribly wrong from the very beginning by not doing their job and I advised your agency of this with all of my documentation. 

You chose to not even read my documentation. Just forward a letter to them and let them respond and then you were done. When I tried to respond I was unable to. 

I need this deed in lieu completed as soon as possible.

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 Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello, This is my third time faxing in a third party authorization.  One  was sent  XXXX , another  XXXX  and now  XXXX  I am attaching it on here too. I have done short sales with firth third bank in the past and they do not stop foreclosure until there is an approval. I can not be having these deals especially when the foreclosure is in  XXXX . Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Situation : I have has XXXX of XXXX accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted XXXX on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then XXXX will collections called me, I explained the situation they noted the account. Then they sold the debt to Midland funding, who seems to be very aggressive. Tried to sue me for all the accounts from XXXX. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland funding started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then Midland places to other bureaus. Then I need to complain there and get it removed. Midland Funding is like XXXX, once one portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw Midland only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the XXXX that they are actively reporting after 6 months of re-investigation with no results:1 ) Balance was positive XXXX ) Charges were XXXX ) In the end i was owning XXXX XXXX ) Midland reports and demands for {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Because I view CFPB as a neutral government entity, I feel confident that keeping you updated to my plight is the right thing to do in my complaint process. I have submitted documents several time to Ocwen for a modification over the past month. My previous experience over the past years of dealing with this company is the issue of them stating documents are missing or information is missing. This is the same thing I have been told several times including two days ago, as the reason my request has not been processed. As a record I sent the documents through several different well established organizations proving the documents were sent and what was sent. Most recently I am told my IRS form and section XXXX and XXXX are missing here are the documents. I do n't understand why Ocwen is refusing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Asset Acceptance has continued to report a debt which is not mine and which they have not previously validated as I had requested in 2011. I have attempted to correct the disputed information with my credit bureaus, and XXXX and XXXX have removed the account while XXXX has refused to review the investigation. Because of the continued reporting by Asset Acceptance and lack of review by XXXX it is causing significant hardship in obtaining a mortgage for a primary residence with which I am in contract for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BYL collection did not provide adequate verification for debt in question. No documents were provided showing contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation