milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a CITI account on our report which just popped up while we pulled a credit report XX/XX/2016 in the process of application for a home loan. 
I had no clue of what this account was and the credit score was in 720-740 before that and because this account has suddenly popped up and the score is 619 and we were denied a home loan. 
I call up CITI and clarified and then were given to understand that this was an account with XXXX and Costco and that got transferred to CITI. We had not communication or mailers from all these parties involved in this dispute. We had closed the Costco account and paid of all balances with XXXX as on XX/XX/2016. 
When requested more info with CITI they said that I had a balance of {$340.00} which was brought forward from XXXX to CITI in XX/XX/2016. Now after 6 months they have added late fees and interest charges and made it to {$510.00} outstanding balance with CITI. 
I have had no intimation on these corporate mergers and all that and nobody from CITI had ever communicated about this outstanding balance in the last six months. Now when we pulled the credit that 's when we go to understand that we will not be able to get a loan because of this CITI account which was showing delinquent. 
I am willing to pay of anything I owe as outstanding from XXXX if there were any, so I request CITI for the statements as to where and how this balance got carried forward and CITI customer service reps were so hasty and gave a rude reply that they can not give me that data and that it is my problem to deal with it. 
I want to dispute this issue and have it cleared ASAP so I can get going with my home loan and my EMD ( Earnest Money Deposit ) of {$3000.00} will be lost if I do n't get the loan in 30 days. 
XXXX and CITI are not really worried about customers at all and finally the customer has to go through the irony of life with bad credit for no reason. 
Please address this dispute as soon as possible and I look forward to a favorable reply.

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 05/16/2017 about Credit card or prepaid card (Government benefit card) with Comerica (WA).
Issue: Unexpected or other fees

Complaint: My name is  XXXX   XXXX , I am  a Ssi r ecipient who receives my funds on a direct express card. After some unauthorized charges ( approx {$280.00} worth by the same merchant ) appeared on my account before   XX/XX/XXXX   ( the date I started the charge back process with direct express ). I was finally given a provisional credit for that same amount ( approx   XX/XX/XXXX    ) nearly two months after I started the charge back process. I  was given this provisional credit only to have it taken awa y (  in less than 30 days ) without notice or authorization by direct express. Which is essentially the same action as the original offending company did  ( c ommitted unauthorized charge without notice ). It 's been over 90 days  (  charge back started   XX/XX/XXXX ,  today is   XX/XX/XXXX   ) since I started this charge back and I 'm left without resolution. I 've spent over days worth of hours on the phone to direct express over the past  three  months, and have gotten nowhere. Today 's third call has gained me the knowledge ( from a supervisor ) that my claim was approved and closed out yesterday and I would get a letter stating this and when to expect my money. When asked why I do n't have my money back today after this terribly long hardship the supervisor stated " maybe they are waiting for you to receive the letter before they deposit your funds ''. I 've probably spoken to every supervisor that works for direct express and none of them ever quite seem know what 's going on during my many calls, and even if they did are left at the mercy of their supposed and mysterious charge back department. Of whom has no telephone number to call, and only method of contact is the submitting of a support ticket by the very person who does n't know what 's going on. You are left at the mercy and hope that this support ticket is properly expressed and worded correctly so that the se two parties ca n communicate and your problem will be solved. Which is never the case because the supervisors often leave out pertinent info, and the messages are poorly expressed causing a communication breakdown as the recipient charge back department picks the note off the back burner and comes to a resolution requiring the least amount of effort right or wrong. I 've just given up during past issues regarding fees in the past because of this losing money in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a XXXX XXXX XXXX card. Last summer they changed how they process auto payments. If you have an autopayment for minimum payment due and make anything less than your entire previous months balance, they go ahead still deduct the minimum payment amount. 

So for example, let ' say you have a balance of {$5200.00} dollar and your minimum payment is {$150.00}, and you have an autopayment set up to pay the minimum monthly balance. If you pay {$5000.00} towards your balance, they will go ahead and take another {$150.00} from you based on your auto payment. So you end up paying {$5100.00}. 

There is no option to pause the minimum payment for one month. You have to cancel it entirely and set it up again in the next month. If you call them to have it paused, they have no way of pausing it for only the one month. They can cancel it and then you have to remember to call back the next month to have it turned back on. 

Previously, if you paid the minimum, then they would not process your auto payment of the minimum monthly payment. This is also the way it currently works with other credit card companies. 

This policy results in overdrafts of connected checking accounts and missed future payments because of the need to restart the auto payment. They are intentionally creating mechanisms that confuse customers on how much will or will not be taken.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am co-borrower on my daughter 's auto lease with Toyota Financial Services. My daughter was late on a payment. When I was contacted I made immediate payment to bring the account current. Toyota Financial Services reported to my record, a late payment. It is my understanding that as co-borrower, that if I am contacted and bring the account current, a late payment should not be reported to my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Consumer Loan (Vehicle lease) with UBER TECHNOLOGIES INC (WA).
Issue: Taking out the loan or lease

Complaint: I signed up with XXXX, last year in XX/XX/XXXX. I was introduced to begin leasing with their partner, X-change Leasing. In the beginning, the lease program they offered to XXXX drivers was that all credit level can apply because no credit check was required. Only a clean driving record with a decent background were the requirements. I passed all of the requirements and went to their XXXX dealership in XXXX XXXX and got preapproved to lease a XXXX. The terms of the contract were quite simple to understand and the option to surrender the car even if the lease term was n't completed was possible. After driving for Uber in the state of XXXX, I relocated shortly thereafter. I relocated to XXXX state and did notify X-change Leasing that I moved. In XXXX XXXX, I had difficulties trying to get X-change leasing to send the proper paper works for tags and registration of my car. This process took over 2 months and I had to pay weekly the lease amount of the car out of pocket and driving for Uber seemed near to impossible without getting my tags switched to the current state that I now reside. However, the car was finally approved to drive for Uber after getting the tags and registration. Also, I was notified by X-change Leasing that my weekly lease payment will increase to an extra $ 80 monthly. I will provide the break down amounts below when I signed up and the weekly costs. XXXX {$160.00} weekly/ 36 month lease term ; XX/XX/2016 new price increase {$200.00} weekly/ 36 month lease term. I had difficulty driving the Uber to have my earnings cover the new price fluctuation of $ 800 monthly. Therefore, on XX/XX/XXXX, I notified X-change Leasing and Uber that I bought a new car and would like to surrender the XXXX. X-Change Leasing said it was no problem to surrender but I will be responsible for the repossession charges and if there was a balance remaining onto the account. Furthermore, on XX/XX/XXXX, X-Change Leasing sent a repossession company to recover the XXXX and I requested that an invoice of any charges be sent to my address. I had a new vehicle that I purchased and Uber certified it to begin driving. I noticed that my weekly earnings were deducted for X-change Leasing in which I thought was an error therefore, I contacted Uber inquire why was X-change Leasing extracting my all of my Uber earnings? Uber had no knowledge as to why this was happening and told me through email correspondence to call X-Change Leasing. I was told by X-change Leasing that I owed over {$2200.00} and that is why Uber is extracting the monies to pay it off. I demanded an invoice and explanation of charges but they have refused to send anything. I smell a rat and with other fraud allegations by other consumers against this company, I believe fraud is occurring in this matter therefore I am reaching out to various agencies to investigate X-change Leasing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is with ocwen. They have denied every modification that we have applied for. Since the last modification I have indicated that I want to sell the house thru a short sale and i have sent XXXX offers. To date, I have not hear from them. On today, I called them XXXX for them to give me an update. I started calling XXXX about XXXX and as of right now I am no further than I was this morning. Ocwen has held my life hostage with this mortgage and they want continue to lie cheat steal to myself and family. This is not a game to me but the obvious is to them. I want to either get a modification or sell rhis property. I NEED SOMEONE ON MY SIDE RO GET A RESOLUTION. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Fay Servicing has taken over one year to get our mortgage dealt with that they acquired XX/XX/XXXX. This has destroyed our credit file, they are unwilling to show current status XX/XX/XXXX, or give me a quick refi due to the over 9 % ( XXXX ) we are at now. It takes weeks to get an answer, and seems this is a top down mentality to ignore clients. I deal with delays due to communication for weeks, up to a month - that is with me emailing weekly doing follow up. 

All requested paperwork from Fay was sent in XX/XX/XXXX, at once. Then we are told they did not receive parts. We find that strange because it was all sent in as one package, to say you got some parts, but not all is suspect - which meant more delays. 

Many times I asked for a stays update, always saying not the right paperwork ( company canned answer ). I can prove my paperwork was sent in, however they choose not to act, instead ignore the facts. 

Finally after 4/5 months XX/XX/XXXX they put me on a Forbearance Agreement that lasted two months, then a Trial Modification Agreement that lasted four months, then finally after a year ( XXXX 5 months wasted ) my loan was modified to be current only - no mention of a better rate. In the meantime our credit file has felt these timely delays on the part of Fay Servicing only to result in a declined score. One would think that this is done by design to trap people in high rates and bleed them as long as possible, due to the unwillingness to work with their client. A simple XXXX search told me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX shows one missed payment and sold or transferred this was paid in full on time

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XXXX of this year, XXXX I sent a dispute to XXXX, XXXX and XXXX questioning the balance, which I have found to be incorrect/inaccurate on a debt with Wells Fargo Dealer Service. The dispute result came back verified with NO change. I then asked XXXX, XXXX and XXXX to let me now how they verified that this information was in fact correct, they said that they contacted Wells Fargo Dealer Service to verify this information. I tried one more time in disputing the balance, in which is inaccurate. They again said it was verified. 
So, the next step on XXXX of XXXX, XXXX I sent a request certified mail asking to send me the deficiency balance ( 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY ), how they got to that balance ( accounting documents ) and a ledger representing my payment history, in which they did not comply. They sent me a " canned '' response template letter requesting my date of birth, 10 digit account number, social security number and a description of what i was requesting. The original letter dated XXXX XXXX, XXXX had this information in it. 
Due to the law, and Wells Fargo Dealer Service not complying with UCC 9-616, my attorney let me know to send another letter to them to recover under subsection ( b ) {$500.00} in each case from a person that : ( 5 ) fails to comply with Section 9-916 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ).
I have re-sent another letter today, certified mail, return receipt disputing this debt again to XXXX, XXXX and XXXX, as well as a direct creditor dispute in which I am sending Monday the 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 05-01-2017 about Debt collection (Other debt) with ERC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been a victim of ID theft throughout the years, I have filed several police reports and most recently a FTC ID Theft report.     I have made several attempts to handle this directly with ERC but they are unwilling to work with me on this situation. They still insist on reporting a fraudulent  XXXX   XXXX   XXXX  debt to my credit report. I have furnished them with letters, police reports, ect to prove my case. Nothing has been done. Nothing.     The amount on my credit report states its for {$490.00}.     I have NEVER had an account with  XXXX   XXXX   XXXX . This account is fraudulent and the company knows that and still willing tries to collect and report it to the credit bureaus. Attached are police reports and a copy of my FTC report.     My ID theft is ongoing so I am keeping up with these issues as they pop up. Please give me your cooperation this time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got some furniture from Conn 's in 2014. Last XX/XX/XXXX due to over whelming bills I discided to file bankruptcy. The last part of XXXX. I lost my job. So I could not finish the payment of it. My lawyer told me to stop payments to all my creditors in XXXX Conn 's started calling on the hour in XXXX. I tried to ignore them after telling them that I was unemployed and to stop calling me XXXX12 times a day. Today they have called 6 times. When I spoke to Conn 's conserning the amount of calls they said it was on a auto dialer I then told them to take me off the auto dialer because that was harassment they wake up my Mother and brother everyday. All day long. The phone is in my brothers name. Now I can understand XXXX or 3 calls a day but XXXX to XXXX is unreal. So please I beg you look in to this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Closing on a mortgage

Complaint: XXXX  Email : Phone Number :  XXXX   XXXX   XXXX  My  name is   XXXX   XXXX  I 'm a   XXXX   for 25 years. My mother died last year in  XX/XX/XXXX . She left me her home with a quit claim deed which was recorded. I sold it short sale to her neighbor for decades, who also is a  XXXX , We did a contract which was accepted by  XXXX   XXXX   XXXX  a servicing agent with an appraisal. The bank sold the loan to  XXXX  which also accepted the contract for a second time with an an appraisal.  XXXX  sold the loan to a local bank called  BAYVEIW i n  XXXX  Florida, who ignored our offer as well as went into my deceased mothers house illegally with a lock smith and sent a preservation team to her house. ( let me preface the fact this is not a foreclosure it is a short sale and I have all the rights to this home ) I went to the house and all her exotic plants were stolen, all her tree were cut down and all pool, patio, gardening equipment was piled in her house. It was a disaster. I called the police and filled out a report. Then the following week I drove by again a caught a company in my mothers house hired by BAYVEIW covering her pool illegally. I called the police again and filed a second report. They finally responded to our purchase offer and came back with an over inflated appraisal and is refusing an appeal. They are trying to force my hand for a deed in  llueof  a foreclosure which I will NEVER SIGN TO THEM!!!! We have   XXXX    prior accepted contracts with appraisals ( appraisals are under strict laws ) The  home needs over {$100000.00} worth of repairs which we can substantiate with contractors reports! They are disreputable thrives, crooks, and robbers. I 'm currently undergoing active  XXXX   XXXX  for a very aggressive  XXXX  and I 'm overwhelmed by their blatant disregard for the law entering my deceased mothers home and Ws honestly traumatized being this was the home I grew up in which my my father purchased  2     years before I was born bac k in 1963. I 'm  grieving the loss of my mother terribly and this crooked bank trashed her home which I have pictures. I have pictures from the   XXXX   previous appraisals and contractors to substantiate what these people did to my mothers home. I have the lock box they put on her home. I just want them to sell to my purchaser at fair market value which they are refusing!!!!! I NEED HELP!!!!!   I 'm very sick from the  XXXX  and recovering from  XXXX  and want to expose this bank for the railroading!!!!   They are trying Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Delinquent account

Complaint: Capital One has told me that I do not have late payments on my account but my credit report is showing XXXX late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ). I have disputed this information with Capital One several times and have been told that the late payments are correct but when I contact Capital One they assure me that there are no late payments on the account ; Capital One then assured me that the late payments were corrected and removed off my report and that the credit bureaus had to update their reporting. After disputing with all XXXX credit bureaus, I get a unanamous answer saying Capital One is reporting the late payments so my credit reports can not be changed. I have submitted complaints to all XXXX credit bureaus thinking they were refusing to update the information but the re-investigations by the credit bureaus are pointing to Capital One being the broken link. Capital One is telling me that their reporting was updated and they are not reporting late payments but they still report the false data. Capital One is lying to me about my account information and reporting false data. Attached is a copy of a conversation I had with a Capital One representative. They clearly state that the late payments have been updated and removed, yet they still report the late payments. Calling Capital One yields the same result. I end up waiting for the credit bureaus to change the information but they are only reporting what Capital One is providing them. Capital One needs to report the correct data and my credit reports should be updated and the negative information should be removed. These XXXX payments have killed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about.

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