milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax told me that they " may '' have shared my social security number, information and financial and credit information with an unauthorized private individual due to their lack of proper security measures. My credit is now compromised as well as my private personal information. I have also started to have hundreds of dollars of unauthorized uses hitting my credit cards requiring me to cancel credit cards and go through repeated attempts at trying to challenge a large number of charges, having my financial stability put in jeopardy and my credit negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NY).
Issue: Shopping for a loan or lease

Complaint: I got several calls from Wells Fargo regarding a late payment - my payment was not late they received and they took the payment and applied it to my principal - I have the cancelled check - they then proceeded to say I was 31 days late and did I not know how to manage money - the women named XXXX was rude and abrasive - the issue was resolved but I was called the next day and treated the same way- IT WAS THERE ERROR and they were still calling me - I would never want anyone to be treated this way.

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 11-11-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing disputes

Complaint: We were debited earned cash back rewards from Citi Visa. The credits were earned with purchases on their card. We had a refund returned on the Citi Visa for a purchase that was made on XXXX XXXX. Both cards were issued through Costco. We received a {$12.00} reward from the XXXX purchase but deducted {$74.00} in cash back rewards from Citi on the refund. They should have only deducted {$12.00}. We made two calls to them to correct the error and they refused stating it was an automated process. It is our position that this was a fraudulent transaction on their part. We earned the cash back credits per the terms of their card agreement and Citi wrongfully deducted the earned cash of {$62.00}.

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 04-04-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On credit reports, I have found out all XXXX collections happened in the middle of staying in XXXX on the time frame XX/XX/XXXX-XX/XX/XXXX, which in no ways and in no reasons I subscribed these utilities. 
XXXX collections were as follows : *XXXX in XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$240.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... {$320.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$2000.00} I have disputed this problem on XXXX credit report on the ground of alibi with some initial partial result ( Case No-XXXX ). Now comes I would like to dispute the same problems on other XXXX credit reports, Equifax and XXXX. 
I had been XXXX from XXXX XXXX to XXXX XXXX. Upon the departure on XXXX XXXX, XXXX, I deliberately left my house vacant without any authorized occupant at XXXX. By XX/XX/XXXX I was informed that the house had been broken in at least 10-20 times. The valuable properties in the house and the XXXX XXXX XXXX in the garage were stolen. They might include the check books of XXXX banks ; ID and several credit cards ; computers and personal, investment and legal documents, and others. The loss of properties in the house was settled with XXXX by year XXXX. And the loss of vehicle is still dragged on with XXXX.Because the house in XXXX has been extensively damaged without utilities and therefore, uninhabitable ; I had to settle in a house of friend upon the XXXX on XXXX XXXX, XXXX at XXXX. 
Please help me to resolve the problem during the hardship. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Lvnv Funding garnished over {$10000.00} on a debt that was aged out in Washington state and that had gone through a mediation that had a class action lawsuit against and the mediation was thrown out. They sent out a number of threatening letters that appeared as official documents. The company sent out lawsuit paperwork that appeared as more of the bullying attempts and did not bear official seals of filing. Then without any further notice stole the money out of my account without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was trying to do a refinance using the HARP program and first I was denied and I asked them why, and they had no reason. So the agent sent it back and asked for underwriting to look at it again. After 3 weeks I received a call saying that I did not qualify because of loss mitigation. I was informed that they had a program that I fit perfectly for, and they would give me the same rate. When asked how I qualified for one yet not the other I did not get an answer. So I asked them to send in writing why I was denied.

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 07/21/2016 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Good afternoon- I submitted a complaint to the CFPB on XXXX XXXX. My case number assigned by Citizens is XXXX for Account XXXX held with Citizens Bank. The complaint number issued by CFPB is XXXX. Attached is a copy of that complaint for your review. In the complaint, I stated that the bank was severely dragging their feet on an approval or denial for the short sale package that was submitted back in XXXX of this year for the home I currently own. I received a call from XXXX XXXX in regards to my complaint on Monday XXXX XXXX and he assured me that he would be on top of my file so that the approval could be issued by the second deadline of first lien holder. This extension is the second and final extension that the first lien holder is granting to the closing of this short sale. I was told by the first lien holder that they could only grant XXXX thirty day extension to my file, which they granted for this be closed by XXXX XXXX. I have been following up via email, calls, voice mails etc. to the relationship manager at Citizens as well as the office of the Chairman assigned to my case, XXXX XXXX, and it is XXXX XXXX and this is still not resolved. The closing should have been set up for next Friday XXXX XXXX and I still do not have an approval. I have jumped through many hoops that have been placed in my path by the bank and I have documentation to that effect. With no approval, the buyer can not setup their final inspections, which will cause them not to be able to close by the XXXX of XXXX therefore forcing us to miss the second and final deadline given by the first lien holder and causing the home to go into foreclosure. I have provided everything that they have required of me and then have also provided my time and attention to this matter on other things that they have required / requested from other parties in this matter that were not my responsibility, but in order to provide them what they needed timely I did those things. Had I not provided those things, I could swallow the pill of foreclosure on my home easily however this is not the case as I can prove through my documentation of this case the last several months. 

It should not be to the point that this home should foreclose due to the negligence on the part of the bank. I am emailing this information in hopes that someone will look into this matter and see the negligence that has been caused to my detriment and order the violator to remedy the harm it caused me! If I have to escalate this issue up further, I surely will do that, but I am hoping that someone will get in contact with the Office of the Chairman, XXXX XXXX, at Citizens Bank so that this can be resolved because all of my previous attempts to contact him have failed over the last 3 weeks. XXXX XXXX can be reached at XXXX or XXXXXXXXXXXX. I have copied him here. OR, please contact me at XXXX or at this email address I am mailing from. Thank you for your consideration to this urgent matter!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: I opened a credit card XXXX years ago with CITI. They promised to give me XXXX for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month

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 12/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I been working on a short sale with Ocwen since XX/XX/2016 with the same buyer with no closing date in sight. I was hoping this process would be wrapped up in 2-3 months but they have consistently been giving me the run around. Now they want me to give up my HAFA relocation assistance of {$10000.00} which was promised to me and my family. They sent over a fax yesterday to my realtor asking us to remove it off the settlement statement but my family desperately need that money to move. When I ask my realtor to get an explantation yesterday from the bank 's negotiator on why I no longer qualified for the {$10000.00} they said they would find out what happened and this morning but I guess I offended them and they decided to get another attorney who emailed my attorney saying they are denying my short sale all together today. All because I wanted what was promised to me the {$10000.00} relocation assistance. Yesterday my short sale was good to move forward but when I ask why they ask to remove the moving assistance they come back with a denial after 6 months of wasting my time and serving me foreclosure papers in the mean time, this is not a game this is my life. Why does it take Ocwen 6 months to do a short sale with the same buyer and then go back on promises. They have dragged out the short sale since XX/XX/2016 and intentionally made documents expire in order to take my property from what I can see. We been going back in forth every month since XX/XX/2016 trying to get this short sale done for my family and I feel like they are acting as if they can do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: There was fraud on my wells fargo secured credit card. I disputed the charge, wells contacted me and and we began the dispute resolution process. I spoke with the dispute resolution center several times. They assured me during this process I would not be debited the amount in dispute. On XXXX XXXX they suddenly closed all my accounts without warning and froze my account. I had asked if such an action would be taken during my conversations with the dispute team and was assured it would not. I now have no access to my funds and no other bank account as I was not prepared for such an aggressive and seemingly illegal maneuver.

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 09/20/2016 about Debt collection (Credit card) with Filaport Acquisitions (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Yorkshire Acquisition Group has been harrassing me via phone and they have harrassed my work, my father, and my husband. They refuse to tell me what they are collecting for and what the amount is. They have claimed they will get me fired from my job, take my XXXX licenses away, and also sure me for harassment. XXXX XXXX has been pretending that he is an attorney who will be suing me and taking it to my place of employment. Also, he would not give me is address so I could send a cease and desist letter nor have they sent anything in writing telling me what the collection is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: During the process of leasing a new car on XX/XX/XXXXin XXXX XXXX, CA, my credit report was run. I check the my credit score frequently, and knew the scores were at or near XXXX. The day they ran the report, the XXXX score was accurate ( XXXX ), and I leased a vehicle. A few weeks later I rececived a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that another credit reporting agency I had never heard of, SageStream , LLC ( XXXX ) reported my score as XXXX. After some initial online investigations, I read that other folks were having this same issue ( high or similar scores for the mainstream credit reporting agencies like XXXX, XXXX, and XXXX, but SageStream reporting scores several hundred points lower. ) On the SageStream website there is no way to contact them online ; you can only call or mail/fax them. In fact, they have detailed instructions on their site to fax/mail them a copy of all of my personal info ( including SSN ) if I want to obtain a copy of my credit report. Not only are the above mentioned practices questionable, and potentially indicative of some kind of fraud, the suspiciously low credit scores they provide are hurting people 's livelihoods and purchasing power. Please investigate SageStream , LLC, and put an end to their erroneous and harmful reporting.

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 11-08-2016 about Mortgage (Other mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HAMP loan and received a letter in XXXX informing me about a {$5000.00} incentive that had been applied to my XXXX. An offer to modify was also included. I signed and mailed it. In XXXX I received the enrollment paperwork via XXXX. I thought I was ineligible because my XXXX payment would be late ( I am a XXXX on a XXXX ). I called Seterus to inform them of the late payment, and was told I qualified. I signed the enrollment and sent it in the XXXX envelope Seterus provided. I was given a new payment amount, told that when modifying one month 's payment is skipped, and that as long as I made the new payment by XXXX/XXXX/16 I would be current. I made that payment. On XXXX/XXXX/16 I called to confirm receipt of the payment, and was told it was the incorrect amount, was being held in suspense, and I was behind. I made payment arrangements and continued to follow up with phone calls. Since XXXX, I have spoken to 5 reps and 2 managers. Two reps told me I was current and the lower payment amount was correct, 2 told me that was wrong, the 5th rep told me both in the same conversation. The managers told me I was behind and refused to let me speak with a superior. I 've incurred late fees, an inspection fee, and received delinquency/foreclosure notifications. On XXXX XXXX I went onto Seterus 's website to check that an automatic payment had been made. I also downloaded all of my 2016 statements except for XXXX, which was missing from their site. I called Seterus to request a hard copy. I have not received it. I have more specific details and documentation, including all written correspondence I received from Seterus. The character limitations prevent me from providing those details here, but I will enthusiastically share them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding our Wells Fargo Home Mortgage # XXXX which was paid off on XXXX XXXX, 2015 & gt ; Residential Address XXXX XXXX XXXX XXXX Oregon XXXX & gt ; Mortgage Bowerers ( us ) XXXX XXXX XXXX and XXXX XXXX XXXX & gt ; Complaint is that Wells Fargo Home Mortgage has not delivered to us any of the required Loan Satisfaction Documents. We have called twice complaining about this. The people we talked to at Wells Fargo about this deficiency have acknowledged the deficiency and promised to expedite the document processing and delivery to us, but this has not happened.

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 08/14/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against JEFFERSON CAPITAL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to close escrow on a home I have sold and right in the middle of this closing XXXX XXXX XXXX sold my loan to Seterus. Until I am updated in their system, I can not get ANY loan payoff information and it is going to delay my home closing escrow until?? Neither XXXX XXXX XXXX nor Seterus will give me my payoff information. I am in debt and trying to meet my financial obligations in a responsible manner, and this causing me to fall further behind and financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my Experian Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

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 04/19/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EQUIFAX is showing a hard inquiry for   XXXX   XXXX   on  XXXX   XXXX ,    2016. I called  my local branch as I have dealt with them business wise in the past and they surprisingly told me that the inquiry matches no recent application under my name. ( Which makes sense as I did not ask for my credit to be pulled at all wh at so ever ). T hey have no records that I even applied for credit recently so I do n't know how this inquiry was even made. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with Colony Brands, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America is not offering a fair solution to resolve my loan issues. They are re-requesting the entire information I have sent several times, plus adding additional information for me to submit. Bank of America made me wait over 1 year and 3 months to deny me at the first level. This is costing me thousands of dollars in increased loan payments. 

Bank of America is now wanting me to go through this entire process again. My property managers haves suffered as well as far as having to submit and re-submit documentation showing rent. Now they are threatening to quit as this Bank continues to put me though XXXX and back. This agency needs to do something to keep this bank in check.

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