milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I spoke to a debt collection agency today. A collection showed up on my credit report that negatively impacted my credit score. Municipal Collection Services , Inc. ( MCSI ) recently called my parents, and today, I was returning the call. 

MCSI claims that I owe {$250.00} for a ticket in XXXX, IL for not having a light on my license plate. I did indeed receive a ticket claiming that I did not have a light on my plate, but I contested and appealed it showing proof that I did. 

I am a reasonable person ; I recognize that the collection agency is just trying to turn a profit on this. I would not go so far as to claim serious corruption to charge me with this. However, it is evident that, at the very least, there has been a lack of due diligence on the part of the police department and collection agency because I do not owe any debt for either of them to collect upon. I assume this is all a mistake, but the MCSI representative that I spoke with was unwilling to listen to reason. I will not be bullied or threatened with bad credit into paying a baseless charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: It appears that Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015

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 12/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Yes, I was divorced about 10 years ago and was forced to file bankruptcy. So due to this my citimortgage makes it incredibly difficult for me to make a payment. So while I want to stay in the house they refuse to autopay from my bank account. I call and they XXXX up take it from my savings which I am not sure how they even got that number, and then they proceed to use my mortgage payment and charge me extremely high flood insurance with no notice or bill. This then puts me behind in my payment. So I call try to pay them and they do not take my money. They now want foreclosure so I went to business lawyer trying to make payment and they refuse to take my money. They now want to charge me court fees. To me if you want your money why not take it out as auto payment. It seems all backwards. Then mis- information is given over the phone. I always pay monthly and then principal. So XXXX person told me unnecessary. It is all so unfortunate. Also, no notice that this was happening. They sent a letter dated on XXXX XXXX and I received on XXXX XXXX how does that happen?? Help me pay please. Also I was told my payment not due until the XXXX? So I am not sure if anyone really knows the due date. Also they told me to change the due date I would need to refinance. It seems it should not be to hard to make the payment date on the XXXX of every month if that is when you get paid.

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 04-11-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX and XXXX of 2014 we received a phone call from Ocwen Company stating that our house payment was due and we were late. Immediately, we explained to them that the payment was sent and received by them on XXXX XXXX, 2014. They said that their records did not show anything. Since we have proof from our XXXX bank account we immediately faxed the statement from the bank. The employees from Ocwen Company kept arguing with us that we had n't made the house payment. My husband and I kept sending information and proof for about 8 months to the Ocwen Company but they ALWAYS denied everything. My husband and I gave up and decided to pay them another payment of the full amount. We are 100 % disappointed of being part of the Ocwen Company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 'm getting calls at work about this matter that I think is XXXX years old. I can not perfom my job properly after these calls, they are XXXX me out.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been victim of identity theft XXXX times now in about XXXX years time. I have filed complaints with Consumer Fraud and with the Credit Bureaus. Latest issue is so many hard inquiries on my file by auto finance companies I did NOT give written or oral permission to. Wrote them all and asked for copy of credit authorization form they have that gave them permission. None have been able to send any because I never gave them permission. Only XXXX dealerships were authorized, XXXX XXXX in writing, and XXXX XXXX XXXX orally over the phone. Yet there are XXXX inquiries total on my file with XXXX credit bureau alone. I know one has a XXXX day window to shop around for auto financing, and it only shows as XXXX Hard Inquiry. This has always been the case all my life, yet this time with XXXX XXXX, almost all their companies they dealt with show as Hard Inquiries on my credit. My file is supposed to flagged due to the identity thefts, and yet they are allowing all these other entities to check my credit WITHOUT a credit authorization formed signed my me. I have wrote Equifax and the others asking they remove those unauthorized inquiries and got back a form letter with a response that I can not understand at all ... .. '' inquiries are a matter of record of all companies that have accessed your credit file ... ... ''. The inquiries are still there and not removed and it has affected my credit score drastically. I am so tired of these automated responses that get absolutely nothing done whatsoever to protect the consumer ... ME! They have allowed all sorts of entries on my credit that I never authorized, and then I get calls from collection agencies for loans I never made, and the vicious circle and cycle continues. At my age of XXXX I should NOT have to worry about this kind of criminal activity on my credit but I am worn out and tormented with this constant struggle to clear this garbage off my credit files, over and over and over and over again, with the Bureaus, from MY point of view are NOT co-operating. After all, its MY CREDIT INFORMATION, and yet they treat me like I am the culprit by trying to get it cleaned up and corrected. This Bureau system sucks in my opinion and needs to be done away with. I will be long dead if that ever happens, so meanwhile I am tormented with having to deal with thefts, illegal inquiries, incorrect entries and Identity issues ... ..growing old SUCKS!!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My husband and I took out a joint loan for a XXXX XXXX ' XXXX. After two weeks, I discovered that I was mislead and told false information to get me to purchase the timeshare which is considered illegal. After about 1 year of complaints, and time and money spent on a lawyer, XXXX XXXX agreed to take back there timeshare and stated in a contract that I will not be financially responsible for any late payments or maintenance fees. My husband and I have now disputed our credit file for the past 3 years trying to get our credit file to get this account removed or updated to have the past due payments removed off our account. I am not liable for any past due payments due to the signed agreement, therefore no late payments should have been reported on my account. I never paid this account late, I was told by my lawyer that XXXX XXXX canceled my account so I stopped paying believe everything was settled and complete. But I never received any documents from XXXX XXXX so I finally had to make complaint with BBB against XXXX XXXX, then I finally received a verbal and written letter that our loan and contract was canceled and that we will be no longer be liable for any past due and future obligations. We had to sign and notarize the letter. I have provided several documents of proof to Experian over the past 3 years and I always get the same answer regarding the dispute, file is reporting accurately. But it is not. When you call Experian, you either get a dial tone, someone who doesn't understand or you get transferred and sit on hold for hours. I would like the CFPB to please investigate my dispute with Experian, I just really need help in this matter. Our credit is being destroyed because of this one invalid negative item on our credit files.

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 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have a checking account at the citibank and they offered me credit cards applied when I add my sister on my credit card Visa Signature and she wanted to use it on the first purchase {$1800.00} dollars in the XXXX store the card was blocked she called to the bank I spoke with an operator and then this proceeded to call me asked my data and told me that there was no problem that could use it. My sister proceeded to pay and the cashier on XXXX store told her that the credit card was a fraud order. I went to the store while I was driving the car. I talked to the card operators many times and believed that I listened to the music for a long time and how they cut the connection. It was 8 calls that were missing 20 minutes for the store to close and I had to use my other XXXX credit card which if it worked without any problem. My CITIBANK VISA SIGNATURE credit card was also blocked. I proceeded to pay online and then to cancel. Really It was horror time.

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 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My late husband had a credit card with XXXX XXXX XXXX and when he passed away I called them and what they did was turn the account over to me. I have never signed any papers saying I was on this account. When I would try to get infomation for my husband he always had to come to the phone and give me the ok to ask them questions that my husband had about his account. I asked XXXX XXXX XXXX to show me where I had signed any papers and they told me it was too long ago and they didnt have any records. They are runing my credit and I feel this should be taken off my credit reports. Thanks XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I was laid-off from my XXXX job and was not able to make all of my monthly mortgage payments. This is a result of XXXX different layoffs ( being unemployed ) which exhausted my savings and 401K, giving me no recourse but to miss payments.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX College were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. XXXX XXXX XXXX has fraudulently reported late payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notification on my credit report that an negative item was placed in collections.I have never been notified by the agency that I owe them anything.My credit report say debt was reported XXXX XXXX 2016 but the debt was reported by a company named XXXX at that time who sent me a letter dated XXXX/XXXX/2016 saying they are no longer handling the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Bank account or service (Other bank product/service) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Account opening, closing, or management

Complaint: portfolio associates keeps calling my house several times a day not leaving messages but some how has my phone number ive blocked them and still they get thruit is really getting annoying that they keep callingim on the national do not call list but they keep buying my phone number some how

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to work on a modification through BSI for XXXX XXXX since XX/XX/XXXX. The servicer stated they sent missing documents letters and set a foreclosure for XX/XX/XXXX which our firm was able to get postponed and we resubmitted for modification. I spoke with the assigned agent today, XXXX XXXX, who stated that the borrower is not entitled to a modification review and that they sent a denial for missing documents on XX/XX/XXXX when in fact I received a complete application letter on XX/XX/XXXX and on XX/XX/XXXX they stated the file was still under review. I called them again on XXXX/XXXX/XXXX and the assigned agent was not available so they said they could not give me an update, the only agent allowed to discuss was XXXX XXXX. I left a voicemail to which I received no response. Today, after calling twice, a customer care agent was able to reach her and she rudely stated the account was denied and that the borrower had not paid for X amount of time therefore, the denial should not be deemed " unfair ''. We want to formally file a complaint as we believe their processes to be unjust. Now, they will deny any application and the agent stated, per your guidelines, they can decline if the application is submitted within 37 days of the foreclosure, yet we have been trying to get this completed since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I saw three derogatory marks on my Transunion credit report, all from XXXX XXXX XXXX, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called Transunion. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. Transunion then sent a letter stating there was nothing they could do. I 've also contacted the collections company, XXXX XXXX XXXX, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that XXXX XXXX XXXX told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. Transunion was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.

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 12/28/2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I 'm writing about a personal banking issue I had with U.S. Bank. In 2013, U.S Bank opened a reserve line on my behalf, at the suggestion of a personal banker. It was pitched to me as overdraft protection. The problem is that the instrument was not properly explained to me over the phone and thus I was unaware that in the event of a negative checking balance, the reserve line would be drawn upon, rather than simply dipping into my savings. The banker did not tell me this crucial fact. Over the course of 3 years, I received a number of unnecessary and extreme interest charges totaling around {$800.00}. I believe the following : 1 ) This instrument was " sold '' to me improperly 2 ) It was not properly explained by the banker ( the process to authorize by phone and there is no paper trail to show that I understood the penalties or how the instrument worked ) 3 ) It amounts to fee gouging and does not alert consumers clearly that they are drawing on this expensive line ( had I known this, I could have simply replenished my checking account ) I 've been on the phone for multiple hours with low level online banking support and through a branch. They tried to be helpful but did n't have the authority to move this along. 

I am diligent in my review of my monthly statements but they are not laid out in a transparent manner and this reserve line was buried on page XXXX. Yet another reason I do n't believe the reserve line was issued or managed in a transparent manner. 

Because my initial conversation about the reserve line with the U.S. Bank banker was in XXXX of 2013, U.S. Bank claims they no longer have a record of that voice conversation but rather I should trust that the benefits were explained clearly. I disagree with this assertion. 

CFPB is a great resource and I thank for your consideration. I look forward to hearing back. 

Sincerely, XXXX 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