milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2017, a charge in the amount of {$350.00}, from XXXX on my Citibank credit card account ending # XXXX, which I immediately disputed a fraudulent, no services rendered. Citibank issued a conditional credit in the amount of {$350.00}, and stated the charge would be investigated. XXXX 2017, Citibank recharged my account {$350.00}, and said XXXX said the charges were for a hotel and the consumer never disputed said charge directly with XXXX. I again reached out to Citibank and disputed the charge asked for a copy of an itemized receipt showing how the charges were calculated and proof of signature and identification. To date Citibank has refused to provide copies of receipts or validated said charge with identification. Citibank requested additional documentation which I emailed the following : 1 ) Copy of a letter to XXXX CEO disputing said charges and requesting itemized receipt. 2 ) Copy of email from XXXX refusing to provide a copy of itemized receipt. 3 ) Copy of letters to state officials charging XXXX with deceptive fraudulent billing. Citibank asked me to complete and sign an additional form and return with the above mention support documentation and said a credit would post within 7 to 10 business days. When the credit did not appear and I reached out to Citibank claimed XXXX provided a copy of a bill and said charges were made online, but could not prove how, provide IP address or copies of receipts. Instructed me to dispute as fraudulent and close get a new card which I did prior to completing Citibank form and sending support documentation. <P/>Citibank is engaging in deceptive business practices and in conjunction with XXXX defrauding consumer to make monies off the consumers account balances and finance charges. Although I provided proof and disputed said charge Citibank accept no proof from XXXX to keep said charge on my 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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2017 I discovered XXXX XXXX XXXX re-inserted 2 negative credit items into my Equifax credit file. Equifax failed to notify me as required with 5 days of re-inserting 2 previously deleted items. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax, my information was likely compromised in a security breach. Equifax failed to protect my personal information, which may now be used to misrepresent my identity and harm my credit or incur costs to me. This has required me to pursue various means to protect my credit and identity which i would not have otherwise been required to take.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (FHA mortgage) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I engaged my second mortgage company back in XXXX regarding me selling my home via short sale as instructed by my first lien holder. I worked diligently with the relationship manager assigned to me to get all required documentation to them. The last item they needed was the approval from the first lien holder, which I did not have and I instructed them that I would send it as soon as I received it. I continued to keep the second lien holder abreast of the first lien holders position, but after my file being opened for over 3 months they told me that they would have to close my file and I would need to start the process from scratch! I pleaded with them not to close the file as I was told by the first lien holder that I would have the approval within a couple of days. They still closed my file and I received the first lien holder approval and a close date that next day and called the second lien holder who told me that my file was closed and all I could do was to resubmit. I resubmitted everything that day and then the back and forth with the second lien holder started again where they would tell me that they did n't receive one thing or the other. Every time they said they did n't get something that I had sent, I would immediately send it so as not to delay the process knowing the closing was already set by the first lien holder. Finally, 2 1/2 weeks prior to the scheduled close date, they said that they had everything but would need to perform their own appraisal because for some reason they said that they could not accept the one performed by the first lien. Again, I pleaded that the deadline to close was quickly approaching and they still claimed they had to do their own BPO. I and my realtor have been following up with the relationship manager at Citizens the second lien holder for the last 2 1/2 weeks about the appraisal and still none has been done and they still have yet to issue their approval on the short sale. The fist lien holder has instructed that they will foreclose if we do n't close by the deadline, but may be able to push the closing out if it slips, but no promises. I feel that the second lien holder has been dragging their feet with the whole process and is not being compliant or working diligently to assure that the short sale closes. Seems they are trying to force a foreclosure by their negligent acts and I would like for someone to look into this. As of today, I have been reaching out daily and was told that they file is with the processor, but still no appraisal. The closing date is set for next Monday, but still not approval from the second lien holder and dragging feet. Please look into this!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: someone in Kentucky used my master card to buy from XXXX on XXXX/XXXX/15 for {$67.00} twas not I, my card has been hacked

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (I do not know) with BTH Management (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Tried reaching out to company sent dispute request and proof of identity theft and have not received a follow up response from company. I have tried disputing this matter several times was informed to submit proof of identity theft and the issue still occurring has not been resolved. They are continuously reporting debt on my credit report and are not providing and proof of debt nor are they responding to my request about the matter after providing proof of identity theft. I have the letter and forms attached that I sent via fax, email and mail to this company.

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 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Crediter bills XXXX month in advance I paid bill and terminated services and returned all equipment the day of termination. They 're trying to to get more money it has already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Since XX/XX/XXXX I 've tried to get a loan modification through Loss and Mitigation at Caliber Home Loans. XX/XX/XXXX they close out my file and reopened it on XX/XX/XXXX again Caliber Home Loans closed out my account. I have sent them via email an application for the Loss and Mitigation process and other requested documents. Every time I phone them back I 'm told I need to send more documents that they did n't receive or claim was n't signed. On Thursday XX/XX/XXXX I sent them more documents. Time is of the essence since my property will be foreclosed on XX/XX/XXXX at XXXX XXXX, Colorado time. I would like to save my home as it is my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a very garbled voice message from very noisy location. I called the number back from a different phone and they knew immediately what my first and last name were. 

The operator identified the company as : XXXX XXXX XXXX. And explained they needed personal information to identify me before they would discuss anything. 

I began by requesting the street address and company telephone number. The operator would not give me the address or number. The operator said " they have offices all over the world '' as if this should appease me. I explained they are required by law to provide this info. I asked to speak with the supervisor. The operator put me on hold XXXX seconds, then said the supervisor was unavailable and abruptly disconnected me. 

When I called back, the " supervisor '' picked up. He gave me the same runaround. They will not discuss anything unless I divulge personal information. 

I told the supervisor this is a case of fraud ( taking a wild guess : because I have a long history of trying to resolve a fraudulent debt, and new collection agencies keep calling well past the statue of limitations on unsecured debt ). I asked to speak to his fraud department. The supervisor stated they do not have a fraud department, nor do they process claims of fraud. 

At this point I decided to deal with this " company '' as an illegitimate operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with Medical Business Bureau (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the original creditor of the debt who advised the amount the agency is reporting on my credit report is inaccurate. The original creditor and agency have continuously refused to validate the debt after several requests were made.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Medical) with Mendelson Law Firm (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I was treated at XXXX XXXX XXXX XXXX Hospital for XXXX. At the time my husband provided my current insurance and personal information. At the time, I had XXXX insurance, through XXXX XXXX XXXX. Shortly after the services, I received a bill from the Emergency room and ambulance service. I paid all out of pocket expense ( about {$1800.00} ) which I assumed was the complete bill for that date of services. On XXXX XXXX, XXXX ( 14 months later ) I received a bill from XXXX for a collection account in the amount of {$5100.00} for XXXX XXXX XXXX Florida. After researching this, I found out that the hospital did not update my insurance info or personal information, so my bill was not submitted to the correct insurance company. Also I was never called or received any information regarding this bill until XXXX/XXXX/XXXX. Now my insurance co, XXXX, will not pay and the hospital wants me to pay out of pocket {$5100.00} which I do not have or do I feel it is my responsibility since it was caused by their neglect. Especially since the other companies had my correct information and billed me in a timely manner and were paid in full. Now the account has turned over to Mendelson Law Firm, XXXX XXXX, XXXX, TN XXXX. They provided a letter that states this bill was turned over to XXXX on XXXX XXXX, XXXX. As stated above I was not notified until XXXX XXXX, XXXX after I moved to another state. This proves no attempt was made to me for over a year. If I was notified in a timely matter my insurance company would have paid the bill and this would have never happened. Please investigate this lack of billing integrity which has caused this financial burden on me and my family. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 11/23/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (OH).
Issue: Problems when you are unable to pay

Complaint: In XXXX I purchased my first car from XXXX XXXX, Ford Motor Credit actually financed the deal for me. The car was repossessed in XXXX. This information is still being reported 16 years later. I 've worked with the Credit Bureaus who advised I needed to contact Ford Motor Credit directly. I reached out to Ford was transferred to a couple different departments and left a voice message. I received a call back from someone who said they were looking into it. Yet and still this is still being reported on my credit as an OPEN account. I 've been denied credit due to repossession recently and this is the only repossession in my history. This has made my credit appear worse than what it is. I 've struggled trying to clean up my credit even recently filing Chapter XXXX Bankruptcy which is now discharged. Still this account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my VA Home Loan to XXXX. The official loan transfer date was XXXX XXXX, 2015. Bank of America failed to pay city taxes to the town of XXXX, CT in the amount of {$2000.00} by the due date of XXXX XXXX, 2015. Consequentially the town charged an interest penalty. Bank of America refused to pay the {$62.00} payment. 

I spoke with XXXX from the Bank of America tax department at XXXX extension # XXXX. He was unable to help me and said XXXX XXXX should pay even though the official transfer date took place after the payment was due. 

I just got off the phone with XXXX and they said they have paid the payment out of my escrow account and have paid the interest penalty from lender funds not my escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan provider did not give me opportunities to correctly pay my loan as I desired. The loan provider ( navient ) distrusted my loan payments in ways in which I did not agree on. They would not allow me to pay as I wanted and instead distributed my payment how they deemed fit, often times leaving me to have to pay more money in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I investigated XXXX Estate through Trans Union about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company refuses to talk to me when I have another party on the line. Additionally, the debt is not my responsibility. I was a medical student at the time I was exposed to blood. I used to appropriate avenues and the hospital and the school is responsible for any debt that my insurance does n't cover. They contacted me about this debt the first time through a collections notice they sent to the wrong address. It says in the XXXX XXXX XXXX that I am not responsible for the debt as a student and should have never been billed, since I got exposed while working at XXXX. This debt agency has hung up on me several times when I tried to call with representation. No one contacted me before this debt was sent to the collector and they collector refuses to acknowledge it is not my debt/I am not responsible. XXXX XXXX 's knows this.

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 05-04-2015 about Credit reporting () with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted HSBC and XXXX on several occasions asking for verification of this debt. XXXX just states that they verified the information and it is correct. I asked XXXX to provide me with the information verified and I am told that it is the information on my credit report. I have sent letters to HSBC asking them to please provide information on this account as I believe the account is too old to be reported. HSBC has not responded to my request. I have made attempts to call HSBC but they have their telephone system set up to require you to provide your credit card number or social security number. I have attempted to use my social security number but it does not recognize my information, not allowing me to speak with someone from HSBC to resolve my concern.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have 4 total accounts that are fraud and not mine. I have sent multiple I mean multiple fraud affidavits with police reports and my license and social 4 times. This is the last time I will send this letter before I sue all 3 credit companies These accounts are not mine and I have never done business with any of them. The collection account account does not even have a name on it this needs to be deleted asap. 

THe other 3 I have never done business and are ignoring my calls

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 10/27/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have banked with Citibank for over fifteen years. I have two accounts, one on which I am the only signer, and is over fifteen years old. The second is a newly opened joint account on which I am the co-signer. 
OnXX/XX/XXXX, I made a cash deposit of {$7400.00} ( XXXX XXXX XXXX XXXX  XXXX dollars ) to the account on which I am the only signer. 
Thereafter, Citibank placed a block on my account onXX/XX/XXXX, and cited the deposit of multiple checks on the evening oXX/XX/XXXXas a reason for the block. I have ATM receipts which prove that the deposits made were in fact cash, and no checks were involved. My account has been blocked for over a week with no explanation other than the deposit of multiple checks on XX/XX/XXXX, which in fact never occurred. 
And onXX/XX/XXXX, they informed me that they had closed my account, and would be keeping XXXX dollars of my money. The newly opened joint account was also blocked with no explanation as to why.

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 10/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was going to school, with XXXX XXXX, XXXX on line and the cost was XXXX. I received XXXX} a year for XXXX year from XXXX. A week before I was to graduate the school told me they had closed. I got a bill from XXXX XXXX company charging me with XXXX  dollars. A year later they sold this bill to Navient. i do not owe this much money and it is a detriment to my credit. Please can you help me correct this error?

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: This is another in a series of charge and account discrepancies on my account levied by Ocwen.  

From: XXXX XXXX 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX  XXXX
Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX

Thank You for providing a breakdown of the outstanding miscellaneous fees on the account.  I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance.

Highlighted below, why am I being charged for foreclosure fees and title reports last year.  The loan was still in an unemployment modification at the time and is currently not in foreclosure.  I was unemployed from XX/XX/XXXX-XX/XX/XXXX.  Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended.  Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan.  

I want to reestablish recurring payments, keep the house and rebuild my credit.

Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for.  

Date Description Amount
-------------------------------------------------------------------------------------
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Valuations $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Inspection $XXXX
----------------------------------------------------------------------------
Total $XXXX

Thank YouXXXX XXXX XXXX

Company response to consumer: Closed with explanation