milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/15 -- I sent a letter to my mortgage company, PHH, requesting autodraft out of a new account. I included a voided check. 
XXXX/XXXX/15 -- letter was received ( according to PHH offshored customer service ) XXXX/XXXX/15 ( approx ) -- called PHH XXXX customer service to confirm XXXX -- letter from PHH, received by me, confirming the changeXX/XX/XXXX -- autodraft made out of WRONG account ; my bank assesses me {$35.00} NSF feeXX/XX/2015 -- I immediately call PHH customer service to alert them ; request refund of the {$35.00} ; told to write a letter and fax to them, requesting refund. Also I request a letter of apology that I can take to my bank and have placed in my fileXX/XX/2015 -- faxed letter as XXXX -- received generic customer service letter providing contact info for United States based representative, and inviting contact for further resolutionXX/XX/2015 -- called and left message with US based customer service rep ; no responseXX/XX/2015 -- emailed same US based customer service repThus far, have not received the {$35.00} refund I requested, nor have received the apology letter requested for my file at my bank. 
On XXXX/XXXX/15, I requested the offshored customer service to have some one from the US-based corporate office call me ; has n't happened yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I was approved for an  XXXX   XXXX  Citi credit card. As part of the agreements, to earn  XXXX  miles, i had to chsrge  XXXX  in the first  XXXX  months. upon receiving my card, i began using my card and i had no issues. I was approved with a  XXXX  limit. Today i used my card while on vacation and was declined. still  XXXX  plus available. when i contacted citi from my cell phone which i provided at application, i was advised since this phone was not in my name they could not remove the fraud alert. then they said if i had another credit card, they could validate my identity. i provided them my chase credit card number so they could validate. after citi called chase, now  XXXX  had added a fraud alert on my account. i was advised that i need to send my a copy of my Dl # and ss # to remove the fraud. i am not home and i dont carry my ss card with me. to protect me from fraud, perform all these steps before you approve. dont approve me, then put a fraud alert on my account, and then ask for another credit card then cause another fraud alert while im on vacation.

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 09/26/2016 about Bank account or service ((CD) Certificate of deposit) with GOLDMAN SACHS BANK USA (IL).
Issue: Account opening, closing, or management

Complaint: Reference Goldman Sachs Bank ( GS Bank ) ; GS Bank refused to accept written notice to close a CD at maturity. In my opinion this is an overly restrictive and punitive policy. If I were to close a CD that automatically renewed then the penalty would deduct from the principal that was used to " roll over '' the CD XX/XX/2016. 

I contacted GS Bank by phone on XX/XX/2016 and talked to " XXXX '' and again on XX/XX/2016 talking with " XXXX ''. I knew that I would be out of country when the CD matured and would not be able to call the bank. I told this to XXXX and she said it was company policy to handle account closing by phone only. I made it clear I was not happy and decided I would take action to close the account on my return. On XX/XX/2016 I called the bank to close the new CD and was told that the penalty would not be just the accrued interest since the roll over date but also deduct from the principal that was used to open the CD. Again, I told GS Bank that I found this an unacceptable policy and asked to talk to a manager. I was told by XXXX that he was a supervisor and that no one else would change the answer I was given. The penalty would deduct more than one year 's accrued interest in the account. 

My intent was to either open a GS Bank five year CD or move the principal to an competitive bank paying 1.95 %. I was not offered the opportunity to move the money to a new 1.85 % five year CD at GS Bank. 

Checking my financial files I found a XXXX page " Deposit Account Agreement '' from GS Bank. Reading this section on Certificates of Deposit it is not clear that a " phone call '' is required to close a CD. Seems to me I should have been offered the opportunity to provide written notice but was denied that option. I have several CDs with other banks and have been required by at least one bank to provide written notice, not a phone call, when closing an account. 

Simply stated, the GS Bank policy preempted my ability to improve the return on my funds. Because of the policy and the punitive penalty I can not move my money out of GS Bank for another two years. 

I would now like to close the GS Bank CD without penalty and seek support in getting GS Bank to change their policy. 

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 09-01-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a company Santander that is reporting I owe XXXX which is inaccurate. This is a very old account that was in a flood and insurance paid. I have disputed ask for validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (MI).
Issue: Trouble during payment process

Complaint: We currently have an open CFPB Complaint # XXXX on a matter of dispute with our loan servicer, Pennymac. Despite the matter being in dispute, this company wrongly charged our escrow account {$600.00} for payment of a disputed appraisal. The company has patently ignored the bonafide information we provided them to validate our complaint ; neither have they provided the name of the appraisal management company involved in order that we have opportunity to contact them on the matter. There is NO reasonable justification in law or equity why we should be required to pay for a fallacious appraisal. We have notified the company that we dispute this charge. We feel that the company should be compelled to reimburse our escrow account in the amount of {$600.00} until such time as the appraisal is fully corrected and revised to include all comparable sales data we provided Pennymac and the matter is resolved through the CFPB process. The company 's wrongful action will now lead to a shortage in the escrow account resulting in an incorrect escrow analysis and payment adjustment. We note that this company had incorrectly established an escrow account when last they performed their analysis in XXXX XXXX. Despite our contacting them to revisit this, they did not, forcing us to do our best to calculate the correct amount needed for escrow each month and submitting roughly an extra {$300.00} per month to preclude a shortfall.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax Credit Bureau more than 15 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and Equifax has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked Equifax to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, Equifax refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking them to remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries should be removed. They are unauthorized and Equifax has failed to properly verify who authorized these inquiries on my behalf. I have no knowledge of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 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: I did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/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 06/18/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX, XXXX, Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 11-06-2017 about Debt collection (Other debt) with AFNI INC. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company phone XXXX I do not am not amessage service

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Experian and XXXX ran an unauthorized credit inquiry on me onXX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # 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 07-10-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other

Complaint: This complaint is more information for the one I mailed with submission number XXXX. I am attaching proof that my old employer, XXXX, paid the balance on the corporate card. The account is closed and has no balance. This was a corporate expense and does not belong on my personal credit report. Citi should remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a dispute to Experian and they keep refusing to honor and respond to my disputes. This is the XXXX time I 've sent the dispute, which is supposed to clear up the inaccurate items on my credit. First, they say I sent a suspicious request, so they would n't process the disputes. Second time, I sent it certified mail, return receipt and they received it but never responded and 3rd time, they told me that the items had already been investigated and verified ( which was a complete lie ). There are XXXX collection accounts reporting to Experian which are all completely incorrect. 
1 ) XXXX - told me they already requested a deletion months ago2 ) XXXX - told me they already requested a deletion months ago3 ) XXXX - never verified4 ) XXXX - never verified5 ) XXXX - never verifiedThis has been going on for over 6 months and Experian is blatantly breaking the law. Why is there a law in place to protect me if this company can just blatantly break it, over and over again? 
I 'd like these accounts deleted right away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX account was closed and last bill was paid. But for unknown reason XXXX kept billing me and placed the account to Diversified Consultants , Inc collection agency. They imminently start calling me. I asked them to send me a letter of verification but was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a bankruptcy in XXXX but it was dismissed because I did n't go through with it. It was suppose to be removed in XXXX 7 years but it was suppose to be removed because the debt I still had to pay. But it is still showing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company is calling my work number to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Credit reporting () with Innovis (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Innovis, XXXX, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Gold Checking account, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX XXXX as a bonus after fulfilling stated requirements. 

I live in Texas where there are no physical Citi Bank Offices, so I had to apply by phone. The Citi agent assured me that I indeed qualified for this offer and that the offer code was attached to my new account. 

As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. 

To avoid any monthly checking account fees, I deposited {$51000.00} into the account by check via regular mail. This finally was accomplished after XXXX attempts and multiple phone calls with Citi and during each call I was assured that I qualified and that I would receive the XXXX. The first attempt to open the account took place the middle of XXXX 2016. Due to a fraud alert attached to my credit reports ( due to a previous identity theft ), Citi did not accept the check since they were unable to contact me ( I was out of town when they called to verify identity ). Subsequently they sent the check back to me. 

After contacting Citi again, I was told to resubmit everything including the offer code and the {$50000.00} to avoid monthly fees. So on XXXX XXXX, 2016 I attempted the account application for a second time, again on a recorded phone line. I finally succeeded in depositing this large amount of money into the account. During XXXX application attempts, which involved several phone calls, the Citi agents assured me during each and every communication that I indeed qualified for this offer. 

I did all the required steps ( spend {$1000.00} with debit card, perform XXXX bill pays within the first 2 months ), but now Citi is telling me, that I do not qualify for this offer. This after having been told during XXXX applications that I did in fact sign up the correct way, that I completed the required steps and that I would receive the XXXX within 90 days. 

I have talked to Citi about this several times and I am very frustrated. I have to conclude that this is either a scam or false advertisement on Citi 's part.

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 10-07-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint mortgage serviceing corporation failed to pay my property/school tax on time, and did not do so & gt ; 30 days after I called the companied and notified their agents multiple times since I found out the delay in the beginning of 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