milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016 I received a letter from Convergent Outsourcing , Inc. claiming that they were collecting on behalf of XXXX XXXX , XXXX for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my XXXX account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are four different collections on two different reports in regards to a XXXX bill that i do not believe i owe. one is not even in my name. I have written several certified letters to the agencies on the reports requesting information and they have failed to respond. I have also sent them certified letters requesting that they remove the info from my reports since they refuse to send me any information regarding these accounts, but they still will not respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MD).
Issue: Deposits and withdrawals

Complaint: On Thursday XXXX XXXX, 2016 XXXX, I went to Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to deposit {$100.00} for my brother-in-law into his checking account. I was told that in order to deposit the money, I would have to show teller my ID. I gave the teller my driver 's license ID as requested. 

After further discussion, her supervisor/bank manager ( XXXX woman whom I did n't get her name ), came over and joined the discussion. I was then asked by the supervisor where I worked before I retired. I asked, " Why do you want to know where I worked before I retired? '' She said this was Citibank policy. 

I responded that you have my driver 's license with my photo on it and that should be adequate. I gave her my former employment information requested. 
Then I was asked by the bank manager, " What did you do at the job before you retired? '' At this point in the conversation, I was livid. I felt that this was an invasion of my privacy. I have concerns about ID theft. They wrote the information down I gave them before I could deposit the money. 

I have never been asked to give personal information about my work status and the job I performed by any bank where I deposited money for a person in my XXXX years on earth. I want you to investigate this bank policy to see if it is applied to all who do n't have accounts at this bank. There was no visible sign in this bank about this policy. 

On the back of the deposit slip, I received states, " Deposit may not be available for immediate withdrawal. Contents and totals of any deposits listed on the reverse side are accepted by Citibank subject to verification and will be credited in the amount verified. '' There was no information about bank policy regarding a {$100.00} cash deposit.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (WA).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to refinance a current loan with the same credit union, the process began on XXXX/XXXX/2015 and I am still trying to close ; I have responded to all requests in a timely manner - with the exception of a request for association condo insurance coverage, which finally got resolved. I feel that I am getting the run around and I do n't know why, I am now responsible for charges of over XXXX dollars regardless if the loan is processed or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (NY).
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: XXXX XXXX continues to fail to provide the necessary proof that my consent was given in obtaining a hard inquire into my credit history. 
Per FCRA ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in  connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance Again I did not submit a hard or soft application and did not authorize Quicken loan to perform a hard credit inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 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: Information belongs to someone else

Complaint: cra violation sent po report also XXXX XXXX the report has taken longer than 30 days id theft letter also sent to id theft gov

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 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are multiple misspelling of my name and someone else 's name and social security number on my report. Multiple addresses I 've never resided.

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 07-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Billing disputes

Complaint: I have the below unauthorised payment happening on my card for the past 6 months and AMEX has not investigated this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer was transferred to Seterus from XXXX. XXXX transferred the loan with an error of an outstanding balance that was refunded to XXXX from a tax authority. XXXX corrected their mistake 4 months after the loan was transferred to Seterus. The balance was wired from XXXX to Seterus. Seterus has misapplied payments and I supplied them with a transaction report and letter from XXXX stating when they wired the funds to Seterus. They still have not correct their mistake and refuse to take my payments forcing the home in foreclosure. I have to call every week to dispute the action and they keep postponing a foreclosure. They are trying to take my home for an error they are refusing to correct. I need help or please direct me to who I can file a lawsuit against Seterus to keep my home and asset.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I applied for a private student loan for XXXX XXXX XXXX XXXX in XX/XX/XXXX from XXXX ( My Rich Uncle ), with my father as a cosigner. In XX/XX/XXXX I was informed by a friend that XXXX was bankrupt/out of business. Upon a check of my credit score and further research, I confirmed that not only was XXXX out of business, but the loan it represented was of mine and my parents ' credit reports completely, and I ( as well as my parents ) was no longer receiving mail from the company. I did not know who to make payments to. Around that time, my family home burned down and we were forced to move several times to several temporary homes and no longer received mail at the prior address. Again, I attempted to find my student loan lender and change my address or figure out who to make payments to, without success. Two years later, I found something new on my credit score, and found out the company XXXX bought out XXXX and I owed {$6000.00} in past due payments, and {$32000.00} in interest, bringing my original loan of {$20000.00} to over {$50000.00}. They will not work with me at all with the exception of making smaller payments, which just accrue more interest and prolong my loan payout schedule. I am filing a formal complaint against this company for this incredible breach of ethics. I am unable to consolidate my loans at this point due to the high debt-to-income ratio, no banks will even finance me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Firstly, I started receiving notifications of making a payment before the 6 month period after being out of school. As I 'm aware, you do not have to make payments on your school loans till you have been out of school for 6 months or more. Secondly, I tried getting my payments lower when I was unemployed due to being laid off and it was impossible to get a response or receive any acknowledgement. I must have tried at least 3-5 times to lower it. Till finally I came across the deferring option but I knew that would make my matters worse. I feel I really did n't have many options of bettering the situation I am in. I believe I, and many other students like me, have been treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiries and/or unknown companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 06/24/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Problems when you are unable to pay

Complaint: I purchased a car in XXXX and had it financed threw nuvell. I paid on time until I got separated from my ex and he agreed to make my car payment instead of child support. He paid for XXXX months and in XXXX XXXX I came out and saw my car was gone. I called XXXX and they told me my car was under repo since it had not been paid on in months and it was just not in there system as picked up yet. I found on my credit that XXXX put the entire {$12000.00} loan as a charge off instead of a repo. I have tried for years to get this fixed and they will not do anything about the account. They also report a payment was made on XXXX/XXXX/XXXX but there was n't. They took the car XXXX/XXXX/XXXX. That would be XXXX months after it was taken. I paid {$15000.00} on the car when it was purchsed at {$12000.00}. I didnt still owe the {$12000.00}. They sold the car and will not post it as a repo and just put the amount I have supposedly left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (DE).
Issue: Account opening, closing, or management

Complaint: Suntrust Bank advertised a bank account opening promotion XX/XX/XXXX. I opened an account under that promotion and after I thought I have completed all the requirements, I sent a secured message on XX/XX/XXXX to customer service asking for a review of the Promotion Bonus and seek confirmation whether I hit all the requirements to receive the {$200.00} signup bonus. On the same day, a rep replied to my email and stated that I am eligible for the Promotion Bonus and should expect to see {$200.00} within 8 weeks. On XX/XX/XXXX, I checked my account and sent another email to customer service for a status on the promotion bonus. A new rep responded, apologized for the response provided by the previous team mate, and her review concluded that did not qualify for the promotion bonus. XXXX additional emails and XXXX phone call later to appeal and request further review as I was relying on wrong info provided by the rep on XX/XX/XXXX, a new bank representative called me on XX/XX/XXXX to convince me there were no errors on the bank 's part based on her review and interpretation of the secured messages. She stated that because the XX/XX/XXXX rep did not directly answer my question whether I qualified for the bonus, her conclusion was Suntrust did not make an error in representing that I qualified for the bonus on XX/XX/XXXX. Furthermore, based on her interpretation of the secured message, the XX/XX/XXXX rep was merely provide a general comment ( not a response to my inquiry ) that if I meet all the listed requirements, I will receive the bonus. Now that the time window to complete the requirements are over, I am no longer eligible for any bonus no matter what. 
I feel wronged by Suntrust and its customer service representative. I asked a specific question on XX/XX/XXXX to confirm qualification and seek guidance from Suntrust to ensure I met all the requirements and complex terms and conditions of the {$200.00} account opening promotion. I trust Suntrust to review my account and provide a yes/no response and provide assistance to help me meet the qualifications if it was a no response. Instead, Suntrust interpreted the XX/XX/XXXX rep 's guidance to me differently to purposely deny the promotion bonus. There was no recognition that the XX/XX/XXXX failed to provide a proper answer to my question and possibly mislead that I qualified for the promotion. Suntrust has no intention to pay the promotion bonus that was advertised and took measures to prevent customers from meeting the qualifications to engage in deceptive business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact TransUnion and XXXX XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. Today i check my credit report and XXXX XXXX  add another inquiry to TransUnion report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, Transunion and XXXX XXXX  won't help me fix it. Please remove XXXX XX/XX/XXXX and XXXX XX/XX/XXXX 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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was shopping around for a used car yesterday, XX/XX/18, and visited XXXX XXXX XXXX. Upon interest in a vehicle, when we sat down to talk numbers, the finance person told me he had to run my credit, despite me bringing my own approved financing from my credit union. I asked if it would be a hard or soft inquiry, and he said soft. 
Upon visiting another dealership, immediately after, I was informed that this was, in fact, a hard inquiry, because dealers ONLY do hard inquiries, and that the score reported to me by the other dealer ( XXXX ) was reported under a XXXX XXXX, which is only used for mortgages or loans over {$1.00} million. The credit check was run under " XXXX XXXX ''. 
The 2nd dealer informed me that when my score was run properly under XXXX, that it came back as XXXX. 
I did not authorize the first dealer to run my credit as a hard inquiry, and they also did it under the wrong code, which made it inaccurate, which is useless to everybody, and therefore want this hard inquiry removed from my record. 

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