milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I cancelled my Citibank Amex Advantage card onXX/XX/XXXXat end of membership year. I cut up my card and threw the pieces away. In XX/XX/XXXX however, they claim that I had a {$0.00} " interest charge '' balance. Based on this {$0.00} balance, they have charged me {$61.00} in penalty fees through XXXX and rising each month. Details follow : InXX/XX/XXXX, I paid in full what I thought was my final bill. The next month there was but a small new charge of XXXX 
In XXXX I PAID the stray {$20.00} charge and requested Customer Service to waive the {$20.00} late penalty that they had applied. They would not waive it giving as the " reason '' that this was a courtesy they accorded only to account holderswhich I was no longer a card holder -- so apparently had no rights at all. 
InXX/XX/XXXX, I PAID THEM the new FINAL BALANCE ( {$20.00} ) and their LATE PAYMENT PENALTY fee ( {$20.00} ) FOR total OF {$40.00}. 
In XXXX andXX/XX/XXXXdespite that my card was closed inXX/XX/XXXX and despite my payment of all charges and a late penalty, Citi has continued to pile on charges. According to them, myXX/XX/XXXXpayment did not cover a {$0.00} interest charge ( was not mentioned by Customer ServiceI ). 
Result : Based on this putative unpaid {$.00} interest charge balance, Citibank has now charged my closed account {$61.00}. I paid {$20.00} of this amount in XXXX when they declined to waive it. The other {$41.00} was added by them to my account in XXXX and XXXXwith similar charges to be applied each month -- given that they are applying the rules that they use for open accounts, not closed ones. 
In addition to rejecting to pay the usurious penalties they are charging ( a  {$20.00} balance turns into an {$81.00} balance in three months ). I dispute their right to continue to send me cardmember bills and apply cardmember rules long after I quit the card -- the result is their exppding a {$0.00} unpaid ( repeat XXXX CENT balance to a balance of {$61.00}. Meanwhile they refuse me an opportunity to discuss the charges with them " because only card members have these rights. '' Note : When I cancelled my card in early XX/XX/XXXX, I cut up and threw away the pieces of the card with the consequence that I no longer have the full number, only the last four digits :XX/XX/XXXX. Citi telephone staff easily find my account, however, when I call. They just wo n't talk to 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 monetary relief
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (GA).
Issue: Trouble during payment process

Complaint: We pay into a loan servicing company LoanCare We have an escrow account and at the end of 2017 -- we had paid into the escrow {$6600.00}. The disbursements were {$3800.00} which left us with an ending balance of {$2800.00}.

We have tried on multiple occasions to contact LoanCare and can not seem to get anyone on the phone to explain why they haven't returned the ending balance to us. There is an option to leave a call back # which we've also tried and again, no one returns the call.

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 01/28/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In 2009 when I graduated Navient encouraged forbearance and deferment of payment for the loans I have rather than income based repayment plans

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Other financial service (Debt settlement) with Ditech Financial LLC (CA).
Issue: Fraud or scam

Complaint: XXXX XXXX 2016 Consumer Finance Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX XXXX : Case # XXXX, and XXXX To Whom It Will Concern : I am a homeowner who had repeatedly appealed to your office regarding the intentional bad-faith and fiscal malevolence enacted upon me by Green Tree Servicing/DITECH ( GTS ), as well as XXXX XXXX XXXX who sold my home 's mortgage to Green Tree while telling me my hardship-driven XXXX loan modification application was continuing being processed ( as I had been told repeatedly for the preceding approximately 18 months prior to the note-holding sale to GTS ). 

As I had reported to you in extensive detail, GTS had been decimating my credit with bogus allegations of missed payments, and harassing me with an incessant barrage of phone calls ( including Sunday evenings ) harassing and threatening me to submit to signing an asinine, " so-called loan modification '' proposal they had offered in a complete bait and switch to the original modification I had XXXX initially underway with XXXX XXXX XXXX, and then subsequently that I had submitted to GTS when they flat-out refused to recognize the original modification with XXXX and insisted that I re-submit my request with them. 

After a couple of years of this incredibly enervating hardship causing damaging physical and emotional stress, coupled with my finances being eviscerated by GTS 's mysterious mishandling or theft of my submitted mortgage payments, I was finally able to extract myself from this XXXX and get my home loan refinanced by XXXX XXXX XXXX XXXX XXXX last winter. 

However, I recently read that CFPB had dutifully enacted penalties to GTS/DITECCHXXXX pursuant to their collectively abusive " lending practices '', and whereupon compensation payments were supposed to be awarded to impacted homeowners such as me. I have only just learned of this today. I have NOT received either notice of or any payments of restitution whatsoever, and am writing to inquire XXXX of that decision 's status, and to inquire how I as a genuinely impacted citizen and homeowner ( and, XXXX XXXX veteran ) can receive compensation for the XXXX that these lending companies pulled and for too long, got away with. My credit, my personal standard of living and my health continue to have deeply detrimental consequences from this living nightmare. 

Writing once again, appealing for your assistance in my quest for justice ( restitution ) pursuant to the misdeeds I endured from these lenders ; I humbly ( but with apprehension and continuing anxiety ) await your response. 

Thank you in advance for your time and assistance. 

Respectfully

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Hi, I received confirmation that my information with Equifax has been exposed. 
Please let know what options i may have regarding this. My personal identity has now been released and exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (VA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: The backstory : In XX/XX/XXXX, my friend a realtor calls me to ask is everything okay with house. My response everything is great. He explains that the house was reported to the county for foreclosure. This was a shock to my wife and me. My wife calls the mortgage company Loan Care to find out the issue XX/XX/XXXX. Loan Care company said to contact the XXXX XXXX they will not talk to us. My wife contact the XXXX XXXX, the trustee states that we are behind in our mortgage payment of 6 months- {$14000.00}, my wife said how can this be we have proof of electronic payments to the Loan Care as well as the insurance being paid to XXXX out of the escrow company. The XXXX XXXX states we will not speak to you until payments are caught up, plus fines and legal fee ( {$24000.00} estimated ). My wife and me, tried to gather any money we could to pay this back by emptying are 401K ( {$20000.00} ), which we did not have enough. During this ordeal, we found out Loan Care in XXXX of XXXX to XXXX XXXX put the house in to foreclosure than removed without us every knowing, damage our credit even more. 

In XXXX, my wife and I contacted XXXX XXXX XXXX, with the understanding the law firm could stop the sale date, this did not happen. My wife and I were forced to sale the house XX/XX/XXXX the house for what was owned not what it was worth, to prevent foreclosure or bankruptcy. In XXXX, the law firm that was supposed to represent us, states that can not represent us, only after receiving payment of {$4000.00}. 

In the end, we lost our house, lost our mortgage payments, our credit-making it difficult to find a place to rent, lost our dignity, stressed out-family of 5 trying to hold it together. We did everything right, yet we are being punished with losing our home and our character.

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 03/31/2015 about Debt collection (Medical) with AmeriCollect (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.

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 non-monetary relief
Consumer complaint received 03-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016, I was notified by several parties that Santander left voicemail message inquiries while stating my name. I do not have a loan with Santander. I notified Santander over the phone and in writing to immediately cease and desist all contact with me, and to stop Skip-Tracing practices and calls to parties known to me for the purpose of making inquiries regarding me. 
I am assisting my XXXX year old mother in her attempts to surrender her vehicle that she can no longer drive to Santander. She is also unable to sell the vehicle which is valued at {$2500.00} and the remaining balance is more than {$12000.00}. Santander engaged her in a loan contract that is predatory by imposing unfair loan terms with high interest rates and fees, limiting her equity in the vehicle to {$1300.00} after 33 payments totaling more than {$9000.00} over 3 years -- a perpetual cycle of debt that she will never be able to pay. 

Santander was perfectly accepting of my direct involvement with her account while I was coordinating and rearranging her payments to them on her behalf as I do with her other accounts. But, when I started challenging the the payoff and the remaining balance and discussed her wishes to surrender her vehicle they refused to work with me directly. My mother mailed her written notification to surrender the vehicle and its location with instructions to pick it up, yet they have made no attempts to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: After the XXXX scandal, I went on line on XX/XX/XXXX to freeze my credit report with XXXX, Experian, and XXXX. I was able to successfully freeze my reports for both XXXX and XXXX. However, at the end of the on-line Experian process, the Experian site and only Experian site, displayed a page instructing me to " upload documents ''. They did not specify which documents. Unless I completed this section, I was unable to freeze my credit report with Experian. Today, XX/XX/XXXX, I called their number : XXXX for assistance. The person I reached knew nothing about this " upload documents '' issue. I told her that many other people have reported the same problem. I asked to speak to a supervisor and was told that, to do so, I would have to wait at least fifteen minutes ( probably longer ) to speak with a supervisor. I told her I did not want to have to report this to FTC and wanted to resolve it with a supervisor instead. Again, she said I 'd have to wait on line for 15 minutes.
Since this is not something either of the other 2 credit reporting agencies are requesting, I think FTC should intervene and protect the millions of people who are trying to protect themselves by responsibly taking measures. 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 08-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Closing/Cancelling account

Complaint: Bank of America is approving authorizations on my card even though I closed the account. They claim that as long as a merchant continues submitting recurring charges, they 'd approve it. I do n't know how this qualifies as " closing '' an account.

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 08/14/2017 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: have no knowledge of an account in collections from Americollect inc, this is not my account and have written several letters to the company and have never gotten a letter back or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chexsystems reporting fraud from XXXX XXXX XXXX on my accounts were fraud was reported and case number from the FTC dated XX/XX/XXXX. I have tried to fax and mail copies of filed fraud and still no response. Chex Systems took the information from XXXX XXXX XXXX and is unfounded and investigated for fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (FHA mortgage) with 1ST PREFERENCE MORTGAGE CORP (TX).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2016 represented by a Realtor, XXXX XXXX who submitted a purchase contract for home XXXX XXXX XXXX, XXXX XXXX, Texas XXXX which was signed by an individual representing himself as the Executor of the Estate for XXXX XXXX XXXX. I spent {$3100.00}. in services fees ; earnest money, home inspection, HUD Consultant fee, termite inspection fee, hydrostatic testing fee, Home Appraisal, and comprehensive general contractor repair and rehabilitation proposal. Multiple amendments requested by 1st Preference Mortgage Corp Branch Manager to extend closing dates up to XXXX XXXX, with many questions asked by Buyers and was met with hostility and lack of information that will on estate was not probated until XXXX XXXX, 2016, and on XXXX XXXX, 2016 title on home contained curative actions required to achieve a " good deed '' to property. Meeting with seller on XXXX XXXX resulted in an Oral Agreement to extend closing date till XXXX/XXXX/2016 to resolve issues to achieve property sale and closing. On XXXX XXXX, 2016 seller decided not to sign contract extension and requested buyer to release earnest moneys to him. 
Buyer has incurred three months investment of time, and moneys to purchase property. Realtor representing seller knew that property was not eligible for sale on XXXX XXXX 2016 when listed for sale and on XXXX XXXX, 2016 when individual to become executor signed contract but was not legally authorized until XXXX XXXX, 2016 to sign purchase on home contract. As a first time homebuyer I feel deceived, and manipulated to believe I would purchasing this home for three months and was financially exploited by the 1st Preference Mortgage Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX2016 I received an updated credit report with a previously disputed account, XXXX XXXX XXXX being deleted from my file. On XX/XX/XXXX2016 I received a credit monitoring alert with XXXX XXXX XXXX being reinserted on my file. This account was never verified, nor was proof of verification sent which is why it was deleted on XXXX/XXXX/16. I was never notified within the 5 days of this account being reinserted on my file or proof of veriffictation method or documents. When I contacted Equifax I was advised the account was never disputed, there were no police reports on file, and the account belongs to me. I have an updated credit report from XX/XX/XXXX2016 with this account listed in the results as well as a report from XXXX/XXXX/16 showing this account was removed. The rep then hung up on me once I started quoting the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (ID).
Issue: Account opening, closing, or management

Complaint: I went to Wells Fargo here in XXXX, Idaho and discovered that {$300.00} was missing. I did n't get a good reason.

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 02-08-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX ( XXXX ) charged me on my account in error of {$170.00} and employed Diversified Consultant a third party collection agency to retained monies not was not owed. The account was put on my credit reports, which was incorrect. XXXX XXXX, XXXX XXXX XXXX Office of President have submitted several request to have the account removed from my credit reports. Additionally, A refund was sent to me regarding my account and other fees. On XX/XX/, I faxed an official letter for XXXX XXXX XXXX and email correspondence as supporting evidence. On XX/XX/, I called Diversified Consultant to get the account removed and was met with opposition from one of their reps. She admittedly stated that understand that the account was in error and of " NO '' of mine, they would not remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have told this collection agency that the person they are looking for is not at our home but they continue to call us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I called Wells Fargo on XXXX XXXX of XXXX. I asked them to close all of my accounts because they hold my larger checks for 7 full days and this is HARSH on  the cash flow of a small landscaping business. 

PROBLEM # 1 - THIS OLD DELAYED BANKING SYSTEM SUCKS. WE HAVE PUMPED BILLIONS INTO COMPUTERS. THIS DELAYED SYSTEM IS ABUSE OF SMALL BUSINESS TO THE GAIN OF ONLY BANKERS. 

When they closed my accounts, I asked them clearly to " Stop any and All Outgoing Payments. '' They clearly agreed. Then I found out that they kept paying automatic payment requests and are charging me overdraft fees as well! 

I asked them to stop ALL PAYMENTS. Do not pay any automatic drafts. Pay nothing ever again!. I told them I had a lot of things coming through that account and that it would take time to get it all corrected, and that I would do it. 

PROBLEM # 2 THEY LIE, STEAL, CHEAT, and BREED GREED. 

They also told me when I closed my accounts that I would have access to my digital records. The day I called and complained, they locked me out of my records and put me in collections. Now I have to do business taxes from a PDF! That is going to cost me a fortune in labor!!! 

PROBLEM # 3 : THEY LIE, STEAL, CHEAT, and BREED GREED. 

I attached the statements. It show some deleted charges, but when I call, they still say I owe the negative 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 monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was reading my credit report from XXXX and found that my credit score is affected by an account of a credit card that is not mine. The account is now closed, the balance is higher that the credit limit, the account does n't receive a payment since may and my credit is suffering. It says that I am authorized user and I have n't authorize nobody and no company to put me on any credit card of nobody. The account type is " Flexible Spending ''. The account was opened on XXXX XXXX, XXXX and closed of XXXX XXXX, XXXX. The actual balance is {$3800.00}, the limit is {$3400.00} and the highest balance was {$3900.00}. On payment status it says 120-149 days late. The creditor name is CITICARDS CBNA. I called XXXX and they told me they ca n't do anything because the receive the report from the creditor, that I need to call the creditor. I called CITI and they told me that there is no account by my name and that they have credit cards also for a lot of stores and that I need to call XXXX ( the ping pong game ). Now nobody can help me and my score keeps going down.

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