milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2015 about Student loan (Non-federal student loan) with Solomon and Solomon, P.C. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I received a collection notice from Solomon and Solomon P.C. of XXXX XXXX XXXX, XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX loan that was apparently originated around XXXX. I have not received any information about the original loan, no copies of the original loan application or documents and no proof that this loan is indeed my responsibility, but it is certainly not my personal debt since I have n't been a student since XXXX. I have helped my XXXX sons get through college, however, and XXXX of them did attend college in XXXX until XXXX, but again, I have n't received any original loan information, so I have no way of knowing if this is his debt. All I have received is collection notices demanding {$22000.00} of which they now claim {$21000.00} is principal and {$430.00} interest. In XXXX XXXX, they claimed {$12000.00} was principal and {$7500.00} interest. In XXXX, they raised the interest to {$7800.00}. So now they 've changed the interest due into principal due. 
Secondly, in XXXX XXXX, Solomon and Solomon served me with a Civil Summons for which I had to file an " Appearance '' with the " CLERK, SUPERIOR COURT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX '' by XXXX XXXX, XXXX, which I did. I also sent Solomon and Solomon a copy of my " Appearance '' form. They then asked the court for a " Motion For Default - Failure To Plead ''. The court responded thus : " The foregoing, having been considered by the clerk, is hereby : ORDER : DENIED. The person sought to be defaulted is not a party to this case ''. Then on XXXX/XXXX/XXXX, Solomon and Solomon filed yet another " MOTION FOR DEFAULT FOR FAILURE TO PLEAD '' with the court against me for " failure to file an Answer in this matter ''. I have n't been asked to plead to anything. The only action requested of me was to file an " Appearance '' by XXXX/XXXX/XXXX. Since I have n't been told anything about the original loan and nothing about how I may have acquired this debt, I consider this not only heavy-handed, but also a devious tactic because they are requesting something that has already been denied, perhaps in hopes that the court will inadvertently contradict its prior ruling. 
XXXX, I am considered " Totally and Permanently XXXX '' by the XXXX and also by the XXXX. To continually harass a XXXX American over a debt he knows nothing about is outrageous. I am considering what options I may have against Solomon and Solomon for their intimidating tactics and constant correspondence demanding more and more money including attorneys fees and absurd interest charges ( that somehow turn into principal debt ). 
I will gladly forward copies of any paperwork I have regarding this matter as well as proof of my XXXX status. Thank you for taking the time to review my information. Please help me if you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (Medical) with Southern Credit Recovery, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I have a Citibank account. I wrote a check out of my Citibank account for {$23.00} to deposit into my XXXX account. I had funds in my account at Citibank to cover the check. However Citibank returned my check for {$23.00} because they said I did not activate my checks. Citibank did not send me any disclosures at all. No disclosures for the account, and no disclosures saying that I have to activate my checks. I printed the full transcript of the chat I had with the Citibank representative. Because of this issue it caused me to start a bad reputation at XXXX. And I also got charged a fee for the returned check. Clearly Citibank violated regulations for not disclosing the information to me. I never heard of activating checks before. I have heard of activating a Debit Card and/or a Credit Card, but not checks.

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 06-10-2015 about Mortgage (Conventional fixed mortgage) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is held with Umpqua Bank. Formerly, Sterling Bank. Since the time Umpqua took over all Sterling clients and loans, my mortgage payments have been messed up. In XXXX 2015, as I normally do, I mailed my mortgage payment, it was cashed by Umpqua Bank on XXXX/XXXX/15, ( proof of the payment is available and was sent to Umpqua Bank ). Then in the beginning of XXXX I received a call and mail from Umpqua Bank stating my mortgage was XXXX days behind and they sent me loss mitigation paperwork. Not knowing if they were accurate, I authorized XXXX immediate payments. I then went home to research whether or not I made my XXXX payment and found out by my records and my XXXX XXXX that not only was my payment made, it was cashed. I immediately phoned Umpqua Bank back, they asked me to fax a copy of the check, which I did on XXXX XXXX and they would get back with me. By Monday XXXX XXXX, no one had called, so I called again. I was told redirected to XXXX different people, I was told they were working on figuring out the issue and because I was a former Sterling customer, they would take up to XXXX additional days to resolve. To date, I have made a total of XXXX payments since XXXX, they have no resolution and they have derogatorily affected my excellent credit. I was told this was happening to many Sterling customers and there was nothing they could do. I provided proof and have NEVER missed a mortgage payment. I believe they have violated numerous laws and I feel as if NO ONE is protecting us from this bank. I would like to have this entity step in and resolve these issues, get refunds for me and other borrowers affected as well as correct our credit reporting. I do believe if I do n't get resolution, I will hire an attorney. Fair Credit Reporting Violations, Misappropriation of customer funds and an inability to have accurate accounting of my mortgage payment and reserve account are all things that I have been advised are part of the Consumer Protection, are n't they?? 
PLEASE ADVISE WHAT THE NEXT STEPS ARE AND WHAT WILL BE DONE FOR RESOLUTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I received a letter from Citi Bank that I was enrolled in Balance Protector, an optional debt protection program, and was charged a monthly fee, and that I may be eligible for a refund. I moved and just received this information today which is XXXX. I called Citi Bank today and gave the CSR my reference number, and she stated that I had to respond by XXXX. I was one day late filing this claim ( because I moved ) and I feel they should let me submit this reference number to find out if I 'm eligible for any refunds.

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 01/20/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MS).
Issue: Application, originator, mortgage broker

Complaint: In 2015, I was approved to purchase a house. I never made this purchase. In XXXX of 2015, I decided to contact my current mortgage holder in regards to refinancing. I spoke with XXXX of Nationstar mtg. I was told it would n't be a problem and passed along to the closing coordinator XXXX XXXX XXXX XXXX. A couple weeks later I was contacted by the closing coordinator and told that we would be closing at the end of the month. I then asked the closing coordinator if I needed to continue making my mortgage payment, and she stated that there was no need to continue making payments and depending on exactly what day we closed I could possibly have two to three months before the first mortgage payment would be due on the new loan. I was eventually contacted by XXXX and asked why have I not made my mortgage payment. I explained to her the conversation that I had with XXXX XXXX, to which XXXX responded that this would probably keep me from getting the loan and that XXXX XXXX must be new and did not know any better. Since that conversation I have tried contacting XXXX XXXX and XXXX XXXX and I can not get them to answer the phone and they will not call me back. Now I have tried to get reapproved to purchase another house and I can not get approved due to the current late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not reporting correct date with credit grantor. Should be showing 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: I made a purchase at Bloomingdale 's and returned the item on XXXX XXXX. I had received a cc bill for a payment due by XXXX XXXX a couple of days prior to XXXX XXXX. Because the item returned was the total amount on bill, I was told in-store that no payment would be due on the XXXX. On that same day I made another purchase, but being that I had already received the month 's credit card bill, believed that the later purchase would carry over onto the following month 's bill ( i.e. due XXXX XXXX ). When I received this month 's bill there was a late fee charge of {$27.00}. When I called customer service, I was told that the reason I accrued the late fee was because returns do n't count as balance pay offs. I tried to explain to the representative that for any other credit card I have, as long as the refund processes well before the due date of the bill, that I can deduct the amount of the returned item from my total payment. I further tried to explain that based on the policy the store was telling me, that Bloomingdale 's in essence can get double monies as they can re-sell the returned item + hold onto my money for merchandise I no longer have ( i.e. have double the money ). It was reiterated that returns do n't constitute payment on credit card balances. I got them to remove the late fee, but was told that I will have the same problem again this month when I explained that on my new bill I owed {$48.00} due XXXX XXXX. I returned XXXX item for {$30.00} and then paid the remainder of my bill in store for {$17.00}. I was assured that yes indeed, I would again be charged a late fee as I did n't pay off my credit card balance. This system sound egregious to me. I was told I could contact Bloomingdale 's Department stores National Bank for an executive complaint, but have opted to contact your agency XXXX, as I beleive what they are doing is a far bigger problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Payday loan debt) with Meridian ARG Inc. (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I do n't know who they are, they call and when I answer it 's a robot call. I have no payday loan debts.. I 've paid all of mine off

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This info is incorrect please remove from my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. XXXX. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not authorize the credit inquiries that are listed on my Equifax Credit Report that I reviewed on XXXX/XXXX/2016. Please see pages XXXX of the attached credit report. Due to the rising incidences of identity theft, I would like the unauthorized inquiries investigated to determine who authorized them. I would also like the unauthorized inquiries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent XXXX XXXX XXXX o And Experian multiple requests regarding the removal of an old mark on my credit from XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been contacted by fed loan several time. My last semester was on XXXX XXXX to XXXX XXXX. In XXXX XXXX I have been contacted by fed loan requesting a payment. I filled a form to inform fed loan that I still study in my university. My university confirmed the infomation and inform fed loan my graduation day. On XXXX I received a statment requesting a payment by XXXX XXXX. I do n't undestand why fed loan is sending those statement. This is unfair and they 're afecting my credit on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Through learning of a different student loan company being sued, I learned of this resource and thought I would attempt to have an old issue resolved. A long time ago, I made XXXX payments of {$50.00} each that were taken out of my bank account and never appeared on my account as a payment. Not long after realizing the payments never appeared on my account, I contacted Nelnet and was directed to the part of the website where I could view my payment history ( which I had obviously already seen if I knew the payments did not post to the account ) and was given generic information about payment processing times ( which had long since past ). Frustrated, I had long since given up on getting this resolved, but in light of the news about another student loan company systematically mishandling payments, I have decided that I do n't want to allow this problem ( and my hard-earned money ) to just disappear. 

The first payment, made XX/XX/2015, had a confirmation number of XXXX. The second payment was made on XX/XX/2015 and the confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I..XXXX..am DISPUTING THIS CF-GOV CASE # XXXX ; where as the discrepencys of Wellsfargo training there hired venders, and there Employee 's trasspassing on my real proporptys, violating the Us protection Privacy Law 's of the United State 's of american over the phone , and there Contacting systems locacated in out of US State, And World wide.. : These employee 's state they donot have to give the State or Federal tax Id # 'x or proof 's of acklly working for Wellsfargo, or are not required to have a State Number with they are targeting consumers on the collection 's on Mortgages, or they state they also do n't have to give there Federal Finance Registrations ID numbers independently operating against FHA/HUD, Or VA Loans. The Crimes of changing the these Loan Address 's to aquire other people 's real propertys, I really belieave these are Federal crimes., And the US Government is not doing anything about it to protect the US Consumer 's privacy 's or inforcing compensation 's for hardships placed on Consumers from there opperating praces in a fuadulate manor also know as racketering, and international laundring of fund transfer 's. // case # XXXX -- -- WELLSFARGO-XXXX ! ... ./ used-court : to rob me, restraine me from my propertys-they moved, took my house items then, lefted i went to court/they did-not appear/judge cooper dismissed the case and told me to return home? I was never helped in paying this loan from XX/XX/XXXX to XXXX and my personal propertys were never returned, nor did the Insurance compenstae me me at that time ; XXXX XXXX '' When she lefted : On return : XXXX XXXX Sheriffs break out the glass doors : my bank account informations address 's had been stollen ; changed to a XXXX address of XXXX XXXX XXXX XXXX XXXX, ILL.,XXXX, had been paying also a on a $ 300,000ins-policy that was on the mortgage payments on me : have been spearheaded-buy peoples that have been fruading me, free legal attorneys-AZ, Bank accounts, XXXX retricted me from having an account in the-bank-over XXXX were taken. ; XXXX XXXX per the US Passport agency:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BTH Management (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had two similar negative marks placed on my credit report, both from payday advance companies. I have never opened a payday loan, so these are not my debts. I requested removal/verification from both companies, and one mark was removed. The remaining company refuses to remove or validate the debt, even though I have contacted them several times and filed a Better Business Bureau complaint against them. 
This negative mark is seriously damaging my credit, and I have been unable to apply for a mortgage as a result.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: Our company, XXXX XXXX XXXX XXXX has had an account with Wells Fargo beginning with Wachovia. We have never had any issue with this bank, never even a bounced check. On XXXX XXXX, 2016 we were notified by a customer that a block had been placed on our account. When I called I was told by XXXX different Wells Fargo employees that our account had been closed on XXXX XXXX, 2016 by loss prevention and that we would be receiving a letter and our balance monies within 10 business days. Well today I got the letter and it indicates that my account has been blocked since XXXX XXXX but that it will not be closed until XXXX XXXX and that I will not receive the balance in my account until some time after that date. 
It is unconscionable that Wells Fargo can unilaterally close out our account with no notice, no reason and then hold our money XXXX for nearly a month. Last week my employees were not paid, taxes not sent to the government as a result of lack of information from Wells Fargo. Now, I am in a similar position this week as my cash flow has been greatly diminished because Wells Fargo is holding my money hostage. 
Our company has been in business for over 40 years. We have never been accused of running anything but the most upstanding business. I understand that Wells Fargo does not have to bank with my company if they choose not to but they should not be allowed to conduct business in this manner. A courtesy call would have been nice. Even without that, correct information from Wells employees would have been nice as well. Now they are holding my money hostage. We need it for cash flow but have been told that will not be happening. 
Big banks should not have the ability to unilaterally shut down an account with out any forewarning to the small business customer. they should also not be allowed to hold money hostage for over three weeks. If they want the account closed, fine but give me my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation