milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: Hi, On XXXX/XXXX/XXXX I charged {$86.00} worth of merchandise at XXXX. Due to no bill coming in the mail or the computer email reminder stating this bill is outstanding, I forgot and failed to pay the original balance of {$86.00}. I received a call from a collection agent XXXX XXXX, XXXX informing me my bill is PAST DUE and outstanding and I owe {$200.00}, I asked why I was now being informed the cost is {$200.00} and I was not notified by written or email the original balance {$86.00} was outstanding. I asked for the dates XXXX notified me and the collection agent XXXX on XXXX/XXXX/XXXX could not provide dates I was supposibly notified ), I explained what happend and I was sorry I overlooked the {$86.00} charge, however I did not receive a statement by mail or email and could not understand why I was not notified. I immediately paid the {$86.00} and XXXX late fee to the store directly, I had no help from the collection agency so I called XXXX directly to explain the situation. XXXX representative was able to see the payment from the original purchanse and XXXX late fee and was able to credit fees and interest that were adding up after the payment was made. I was still receiving statements with late fees and interest on the late fees after my call. On my final call to XXXX customer service supervisor on Tuesday XXXX XXXX, XXXX XXXX waived the additional fees and explained the situation is closed and I should not receive any other bills reflecting the late fee and charges. XXXX reported to my Bureau as if I was consistantly not paying and it dropped my score considerably. I am requesting this derogatory tradeline be deleted from XXXX, XXXX and XXXX. 
Thank you for taking the time to investigate.

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 03-01-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (FHA mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (WI).
Issue: Trouble during payment process

Complaint: This is the second complaint that I have filed against Amerinational mortgage company. I have contacted them twice via phone to get my late charges for my mortgage handle. As of right now when I go on there website it currently reflects that I owe XXXX in late charges. I made a payment on XXXX XXXX,2017 of {$440.00}, which was my mortgage payment plus the late fee that they were saying that I owed. As of today I have made another payment towards my mortgage of {$420.00} to cover XXXX 's mortgage payment and late fee. The first call I made was around the XXXX XXXX, 2017 and spoke to a young lady that told me she would have the changes made and my should reflect a XXXX balance for the late fees, that did n't happen. So on XXXX XXXX, 2017 and spoke to a young man named XXXX about XXXX XXXX central time. At that time explained to him the problem I was having and we went back and forth with the numbers for a little while before he just came to the conclusion that he did n't understanding why the system was still reflecting a late balance and at that time a new late charge that was n't they 're standard late charge of {$20.00} was showing also. The system at that time was saying that I now owed an additional {$11.00}. Which I told him was impossible because if they give a grace period of 10 days from the XXXX of the month at the time of us speaking I still was n't late. At that point he said he would put in a request to have the matter handle. He told me it would take about a week to fix it has been a week and nothing has been done. I also have contacted XXXX XXXX XXXX Of Wisconsin ( XXXX ) which is named on the mortgage also to help resolve this issue. They are the organization that I abstained my home through. I have attached the payment ledger to this complaint so you can see exactly what is going on with my account. I have made lump some payments at time that did not get posted right. They decide to break the payments up and then they applied them how they wanted to. They will put the money towards unapplied funds or escrow payments instead of late fees or the next months mortgage payment.

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 10/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Billing disputes

Complaint: I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Delinquent account

Complaint: I was XXXX for a few months and unable to make payments on my credit cards with Capital One. I returned home an dchecked my email and had a notice threatening legal action by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Citi bank had this promotion ( # XXXX ) to earn {$400.00} Cash Bonus when you open a Citibank Account package and deposit at least {$15000.00} into your new checking or Savings Plus account. I opened a " interest checking '' and " saving plus '' accounts with Citi Bank on XXXX/XXXX/2016 and deposited $ XXXX on same day have not touched it since. 
To this day, XXXX/XXXX/2016, I have not received my cash bonus. I have followed-up via an online chat session on XXXX/XXXX/2016, I was given a reference number and received a secure email, on XXXX/XXXX/2016, CONFIRMING that my account has met the necessary requirements to qualify for Promotion and I should have received the cash bonus 90 days after fulfilling the requirement ( 1month $ XXXX ). 
On XXXX/XXXX/2016 I followed up through online message system and they told me " they forwarded my complain to the concern department and necessary action will be taken to make sure that your issue will get resolved ''. 
To this day I have not heard back from their complain department or received my cash bonus. 
They have a good response time to online messages but only to give you general information about how they sent the message to proper departments to investigate and never get back to 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 monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
Experian, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with Experian is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with Experian and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. Experian and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the XXXX XXXX XXXX is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Bank XXXX XXXX gave us a XXXX. Loan to purchase XXXX trucks for our trucking co. The loan was paid after bank of XXXX was sold to XXXX XXXX then sold again to Wells Fargo. The loan is paid. XXXX separate lien releases were filed in XXXX. XXXX for the deed of trust, XXXX for the loan. The problem is somewhere in the repurchase of these banks the numbers got transposed? Or XXXX lien releases were filed on same property, but did n't release the deed of trust. We have XXXX working in this for over a year. First case opened in XXXX XXXX, then closed in XXXX XXXX will no resolution. ( XXXX buyers walked last year because of waiting on Wells Fargo to find the problem ) Now this year, we opened a new case in XXXX & it 's been 8 + weeks &! norhing is getting done. We have house sold & buyers are ready to walk again.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

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 05-02-2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: RECEIVED A CHECK FROM MERRILL LYNCH, CASHED THE CHECK AND FOUND OUT CHECK IS BOGUS. I AM OUT OF {$2900.00} AND WANT MY MONEY. 

XXXX XXXX XXXX or 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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Improper contact or sharing information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was denied a loan because Experian did not release the exact information regarding XXXX disputed derogatory items on accounts already paid and closed ( XXXX of them It 's almost XXXX years old ). It was also inaccurate regarding proportion on loan balances vs amounts I owe due to the fact that practically all of my credit cards have very low balances .On the dispute I mentioned above the other XXXX major credit bureaus deleted the negative information upon request except for Experian that failed to see the fact of an individual with a very good credit history and record of paying on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have submitted documents to apply for an income-driven repayment plan 4 times.   The company keeps replying they ca n't read the documents I sent  ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Consumer Loan (Vehicle loan) with Skopos Financial, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: skopos financial lost XXXX of my payments made in XX/XX/XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XX/XX/XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX ) speaking to them verifying the payments were made and on what days. Skopos Financial refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. Skopos also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against Skopos Financial concerning the documentation that I nor the primary borrower received with the XXXX, XXXX. Skopos Financial claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. As a last resort I sent Skopos a repo dispute letter on XX/XX/XXXX, which I have enclosed yet it is XX/XX/XXXX and I have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Greetings, After an escrow analysis OCWEN indicated that if our loan was contractually current, they would refund {$4300.00} in escrow overage. We spoke with their Ombudsman XX/XX/XXXX ( around XX/XX/XXXX ) and they indicated that we need to be current as of XX/XX/XXXX so we agreed to pay XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX and they agreed that should be fine and they would send us the overage. The person stated that it takes a few days for their system to apply the XXXX payment we made on XXXX/XXXX/15 so as of XX/XX/XXXX we were still technically late since we did not make the XX/XX/XXXX payment on XXXX/XXXX/15. This was fine by us and we planned to make XXXX payments of XXXX for XXXX and XXXX on XXXX. We noticed today ( XX/XX/2015 ) that their web site indicated that we are not longer current on our mortgage due to some payment reversals that Ocwen made on XX/XX/2015. They now say we owe for XXXX 2015 in the amount of {$1100.00}. We assume that we then will also owe for XXXX and XXXX 2015 as well. We spoke to their Ombudsman today and they indicated that they are not sure what has happened and agreed to contact their bankruptcy department ( we are in chapter XXXX ) and for us to call back in 7-10 business days. My wife contacted them regarding a similar issue a few months ago and her call was never returned which prompted my most recent complaint before this one to get answers and to get the escrow analysis we requested XXXX months ago. We finally did receive the escrow analysis which indicated that we need to pay the " contractual '' amount of {$2200.00} as opposed to the post petition amount of {$1900.00}. At this point we are not sure what payment to make and do not understand the payment reversals. If we wait 7-10 business days we will be really close to XX/XX/XXXX and the next payment will be due. Should we pay what is reflected on the web site for XXXX 2015 ( {$1100.00} ) or the contractual amount of {$2200.00} or the post petition amount of $ {$1900.00}? It seems to take a while for them to respond to we decided its best to at least file a complaint with you. We are not attempting to be difficult. We just want to know what payment to make and if the escrow analysis they provided is still accurate. Our chapter XXXX was scheduled to be done by XX/XX/XXXX but we are still making the last few payments and we have not been formally discharged. We suspect that their system automatically did these payment reversals assuming we were out of the chapter XXXX. We have no proof of that, just a coincidence that this happened in XX/XX/XXXX. Please help us understand what is happening with our mortgage. Thank you for your help as always.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (MI).
Issue: Adding money

Complaint: Rush card holder my direct deposi was sent rush on XXXX XXXX 2015 an as of to have received my funds on my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (DC).
Issue: Rewards

Complaint: After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Navient had added late fees to my account, dating back, supposedly, from XXXX. Each month a bill was sent, there were no fees and I paid what my bill stated. I paid on time, and then suddenly I had late fees on my account. I looked back over my entire payment history, and a late fee from XXXX had been paid, but somehow was assessed. There had been no other late fees after that. I raised my concern with a customer service rep, and when she said she could not help, I asked to speak with a supervisor. The supervisor never picked up my call, and instead left the customer service rep to deal with my complaint. I asked multiple times to speak with a supervisor, and after each request she went to try and reach her supervisor. The supervisor never took my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company response to consumer: Closed with non-monetary relief