milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing statement

Complaint: I an enrolled in paperless billing for my Citibank XXXX XXXX credit card. For over one month, I am unable to view previous statements while in my online account. After a very long discussion with a supervisor in XXXX, I thought this issue would be resolved, but it has not. This appears to be a technical issue with the website, but as a customer, I need access to my online statements.

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 01-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from experian saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I already told them I have no money and they need to stop, calling, harassing me. I have told them 3 times to take me off their call list and they just keep saying it takes 24 hours, I told them that 's fine just take me off. They threaten it will go into collects and on my credit report so I told them to let it because I have no money, but they repeatedly and continuously keep calling. They, a female & male representative start yelling and saying I have to pay something. I 'm barely making in paycheck to paycheck I have no extra money. I 've already told them multiple times when & if I get extra money I will call them, but they refuse. XXXX XXXX XXXX. They call me EVERYDAY ... 3-5 times a day throughout the day & evening. Diversify Consultants. I loose sleep and get awakened from sleep because they refuse to stop calling. This has been going on for well over 6 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There appears to be an error in the reporting of an collections account with  XXXX   XXXX  on my credit report with No Balance and an  Open Status.   <P/> This is an error in reporting as per the FCRA and FDCPA guidelines.  <P/> Please remove the account immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Loans are duplicated on my credit report. Report shows I have XXXX student loans. I have XXXX originating from XX/XX/XXXX through XX/XX/XXXX when I graduated. The loans originated with the Dept of Ed and transferred to XXXX XXXX and then to Navient. XXXX loans reported 3 times. XXXX entry states that the balance is {$75000.00} which is inaccurate. The loans are separate. I am in the process of filing disputes with credit bureau. Also, once the loans transferred to Navient XX/XX/XXXX, I was told my first payment date was XX/XX/XXXX. I filed paperwork for a renewal of my income based repayment plan. My payment was {$80.00} a month. Though I was not scheduled for payment, Navient attempted several times to deduct the full regular payment of {$470.00} from my bank account. When I contacted Navient, I was told it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Case number : XXXX I tried to dispute this case on the form they sent but for some reason it would not send. This is notification that I am disouting the reponse dated XXXX XXXX, 2016. I am writing in reference to the response received from Wells Fargo. 

I feel this is not resolved due to the following issues!. They stated they did not disclose personal information. I had XXXX packets left on my door step ( XXXX was taped with electrical tape to the front glass door ( XXXX pages ) and the duplicate copy of XXXX pages of information clearly written FORECLOSURE throughout XXXX page paperwork was strewn throughout my neighborhood and returned in pieces to me by several neighbors, friends, as well as landscapers and plumbers working on my neighbors homes. Extremely humiliating and absolute breech of privacy breech. How can Wells Fargo investigation reveal otherwise and that ets up a red flag. Again, I am in a situation that i did not choose. My spouse of 26 years left myself and XXXX children. I am a full time XXXX and a respected and active XXXX. I have worked hard for 4 years to raise XXXX children and upkeep in our property at XXXX XXXX XXXX XXXX MD XXXX. I have requested and applied for loan modification after loan modification and written XXXX hardship letters at least. Spouse and co owener of home is not willing to participate in any of these efforts and requesting home to crumble around myself and children. I had requested several times in writing that his mail from Wells Fargo and the like be mailed to his address in XXXX MD. Sounds as if this is finally resolved and thank you but what about all the correspondence he never received. I have watched people sent out by Wells Fargo to sit outside my home. How unsafe and unnerving is that an had neighbors asking wjhat they were doing? Everyone has a story, but what happened to our family was traumatic enough without all of this additional humiliation and breech of privacy. 
I am doing everything in my power to get a modification under my name only so that I can begin making mortgage payments to stay in my home at least until my kids are finished school. As a single mom, I can not afford a {$4000.00} pick a pay loan amount that is an upside down crooked mortgage as it is and I want that point investigated as well. I have spent thousands in an effort to keep this property maintained and have had XXXX flooeded basements in the meantime. 

I have contacted XXXX XXXX office and states attorney this month as well as years past and am in recepit of suggestions and recommendations for continued actions to try to keep my home. 
Thanks you again for your follow up. I did not even get a sincere apology., I got we are sory you have had frustrations. 

Thank you for the continued resoultion and follow up.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A few months back I had my mortgage payment with Nationstar Mortgage being automatically withdrawn from m  XXXX   XXXX   XXXX   bank account. It was being automatically withdrawn since  XXXX . Since that time I have never had a problem with the autodraft and I have never been late with Nationstar Mortgage. In  XXXX  however I had to switch to  XXXX  because I needed a business bank account and  XXXX   XXXX  would n't provide me with  XXXX . I switched to  XXXX  and added my new bank account to my online profile to have my mortgage payments automatically drafted from that account since I closed my  XXXX  schools bank account. I did it well before my payment was due. Come to find out, in  XXXX , I was called from Nationstar Mortgage because they never received my payment ....     When I heard this I checked online and sure enough my  XXXX  account was in fact listed on the system and there was in fact more than enough money in the bank account to cover my mortgage. I can prove this with documentation if necessary. I called Nationstar Mortgage and I pleaded with them my case as I did everything that I was supposed to do to ensure that they would get paid on time as they had been for years. It was not my fault that their system did n't draft my payment. In fact, their system continued to attempt to draft money from my  XXXX   XXXX  account even though that account had been closed. They did n't care. They blamed it on me. They did n't even care that I paid not only the monthly payment that was due and the next month 's payment all at once just to ensure that they got paid because I did n't want them to accuse me of being late again or their system to continue to draft from the wrong account. In the end, they hit my credit report with a 30 day late payment.     I am now attempting to use my credit and I am being denied credit because of this 30 day late payment. How is that fair to me? There was never any intent to pay them late. I did what I had done for years and set up automatic payments to be withdrawn directly from my bank account. Why should I be blamed and punished for 7 years for their system not drafting payments from my account like it was supposed to?

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Barclay Bank Delaware/Barclay Card is reporting XXXX different amounts due for a debt they allege I owe. How can it be possible that I owe XXXX different dollar amounts on XXXX debt? They are also reporting on my credit report that a recent payment has been made. According to my records, no payment has been made on this account since XXXX/2015. 
In addition, the account according to my credit report, is reporting as closed on XXXX/2015 with a payment being made on XXXX/2015. 

I would like for them to provide the original signed agreement for this alleged account and a balance on the account from XXXX to the present so that I can get more information and understand the breakdown of what the balance is and how it they 've calculated and came up with the alleged balance owed.

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 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On  XXXX   XXXX ,    2017  I made a purchase at Home Depot on  XXXX   XXXX   XXXX  in  XXXX  Virginia. The purchase was for just over {$200.00}. When checking out the clerk asked me if I want ed a Home Depot disc ount card. He said it would take {$25.00} off my first purchase. I said yes assuming it was a store membership card such as a  XXXX  care card. Only after seeing my credit limit pop-up did I understand that this was a credit card. I asked the clerk if this was a credit card or discount card. He said he gave me a {$25.00} discount. I asked him to clarify again was a credit card or just a store discount card and he said it was a credit card. I complained to customer service and the store manager, and then called the credit card company, Citiban k North America, to c ancel the card and pay the full amount. I informed the credit card rep that I would file a complaint with the cfpb, and he said he would also file a complaint on my behalf.

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 01/13/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a settlement amount of {$190.00} on XXXX XXXX, 2016 and I was told that this account would be taken out of collections within 7days. Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My mortgage servicing company " XXXX XXXX XXXX '' has reported many of my mortgage payments as late. I disputed the " Late Payments '' with Equifax, XXXX and XXXX. Equifax and XXXX have finished their inquiry and they still show my payments as late. Equifax and XXXX were also provided with the attachment. 
Please see the attachment. The attachment contains email confirmations send by XXXX XXXX XXXX to me about the payment dates and copy of my bank statements for the months XXXX and XXXX. My mortgage agreement gives me up to XXXX day of grace period each month to make the payment. As you can see from the attachment that all the payments were received by XXXX befor XXXX of each month, therefore, these payments are " On-Time ''. Please help me resolve the issue and remove all the " Late Payments '' from my credit report. 
Equifax Case ID : XXXX Case ID : XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Student loan (Non-federal student loan) with Integrity Solution Services, Inc. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My private student loans have a balance of {$130.00}, XXXX. I attended school at a for profit college, XXXX ( XXXX ) in XXXX, GA. I was not aware of the paperwork I was signing as a young adult and I was lead to believe I was signing federal student loans and my loans would n't exceed a certain amount. I did not graduate with a degree in medicine or law so the amount is ridiculous for someone in my field. The lending practices of XXXX in conjunction with the private loan company are wrong and misleading to students.

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 03-05-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They have allowed XXXX XXXX XXXX to reinsert the paid off debt. This debt was paid off, and was deleted..Now its been reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried to retrieve my credit report from Experian online. I am unable. I am requested to write in for it. I tried to call to find out why but I can not find a number to actually speak with someone. I finally received my report and have tried to file a dispute and again I am being asked to send in for a credit report which I already have. I have not had the problem with XXXX and XXXX, only Experian. Any assistance would be appreciated.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

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 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AmerAssist A/R Solutions, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX wrongfully sent me to collections without properly contacting me and doubled the payment amount owed second complaint I XXXX XXXX XXXX am not the responsible party for financial payment

Company response to consumer: Closed
Consumer complaint received 11/13/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our home and closed out our mortgage with US Bank. There was an overlap in autopayment and a balance left, which US Bank says to have sent via check. The check was not received. US Bank stated we had to wait 30 days until they would reissue the check. They then charged me {$15.00} to reissue a check which i never received. Even after discussing this with XXXX levels of management, and promised an overnight deliver with signature, i have yet to receive the check. I 've been on hold for XXXX minutes so far, as I wait and fill out this form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage with Wells Fargo bank. On XX/XX/XXXX I made an online transfer from my Wells Fargo checking account to my Wells Fargo mortgage. I made the full payment with a small additional amount toward principal. On XX/XX/XXXX they " reversed '' my payment but did not refund my money. Then on XXXX sold my mortgage to XXXX. I then got a bill from XXXX. Contacted them and told them I already made my XX/XX/XXXX payment but it was made to Wells Fargo. They told me to contact Wells Fargo, which I did- and they literally told me I was no longer their problem. I am now a month behind on my mortgage and owe a XXXX dollar late fee, even though I made the payment and my checking statement clearly shows my money going to Wells Fargo mortgage and never being returned after the payment was " reversed. '' It 's ridiculous to expect a person to just throw away {$850.00} and make an additional payment just because their bank decided to sell their loan. I was not apart of that decision process so I should not be made to suffer financially because of 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 explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage.  XXXX  financial services said there is nothing they can do I have filed a dispute with   XXXX   and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!

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