milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Today, XX/XX/XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a 90 day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (I do not know) with Allied Interstate LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get multiple daily calls from Allied Interstate at XXXX. 

I have no outstanding debt at all. 

The calls start as early as XXXX local time, even on Sundays.

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 05/16/2017 about Mortgage (Conventional home mortgage) with MONEY SOURCE, THE (WY).
Issue: Trouble during payment process

Complaint: On Friday  XXXX   XXXX ,    2017  my husband and I were contacted b y the county that we live in that the property taxes on our account had not been paid by our mortgage company and that we are now in default. Immediately I called the mortgage company more than once and was told it was going to be handled within 10 business days  and that a supervisor would call me Monday.     Monday  XXXX   XXXX ,  2017  I called the mortgage company and was told the supervisor would call me later that day, that the supervisor would n't be in until  XXXX    XXXX   central standard time. I called back around  XXXX  central standard time after not hearing from the supervisor, the supervisor told me my property taxes had been paid to  a county in Nebraska. When I looked online the mortgage company had the correct county on our statement. The supervisor stated that the payment may not be paid toda y instead it could be up until the  XXXX  of  XXXX  for this to be paid at no extra charge to us.     How can  Moneysource  do this and still be in business?!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had tried multiple times to apply for a Chase account. I was declined by  XXXX   XXXX  Systems, I then requested my credit report and found no derogatory items. I went back to the bank after several attempts to solve the issue I was unable to get the account. I applied for a report from  XXXX   XXXX   XXXX  and I am awaiting the response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a resident at XXXX XXXX and moved out and was then sent a bill over {$1000.00}. I had no idea why. I contacted XXXX XXXX and was told that the apartment complex was under new management and owners and they had no knowledge of my debt. I asked for the former owners information and they were unable to provide me with that. The amount then went to collections and I corresponded with the agency to find out who owns this debt so I can figure out whats going on. They would n't release any information but stressed the fact that they did not own, they were only collecting the debt. After a few back and forth, I ignored them because it was going nowhere. Fast forward to XX/XX/XXXX, I started repairing my credit and this debt comes up again. I signed up with XXXX XXXX and they acted on my behalf to clear deliquent things off my report. The collection agency once again sent a notice stating the debt was valid but the information I got which was apparently submitted from XXXX XXXX XX/XX/XXXX, was false. The employee forged information and submitted fees for stuff that I never knew existed. She claims I moved because I got a pet which was false. She also changed dollar amounts on paperwork to reflect a ridiculous amount of charges. I contacted the agency and they told me to contact the company who submitted the debt ( XXXX XXXX ). I contacted them once again even though I knew what the response would be. Email response below : XXXX XXXX XXXX ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Hi XXXX I am sorry you are having such a hard time resolving this matter. The company that currently owns and manages XXXX purchased the property XX/XX/XXXX. We do not own your debt and would not have access to your records. I do not know who owned the property when you lived here. 
Sorry I can not be of more help. 
XXXX XXXX XXXX, XXXX, XXXX Property Manager XXXX Apartments XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX visit us at XXXX I am stuck and going back and forth with XXXX XXXX and the collection agency. I hope that I can get more information as far as who owns the debt and who I can dispute this amount with. The false claims really are what have me in a bind.

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 09/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a student loan from XX/XX/XXXX.for {$2500.00}. I paid it off through the XXXX XXXX -state trustee consolidation loan program in XXXX XXXX CA . I kept getting billings from different collection companies every two years or so - I would mail them a copy of my paid in full notice from the trustee. after a while, I would get another notice from a different company and repeat the procedure. I was told that the loan kept being sold to different companies - then in XX/XX/XXXX my wages were garnished WITHOUT PRIOR NOTICE and they took more than half my wages for two years -- each paycheck WITH NO PRINCIPAL REDUCTION stating that I owed {$19000.00} which resulted in my losing my home -- despite the fact that I drove to XXXX CA and TO GET THE WRITTEN PROOF and had to purchase the documents from the government warehouse showing that I had paid in full - which I sent to them -- NOW XX/XX/XXXX -- I have n't heard anything until recently and yet another NEW collection company says I owe {$13000.00}. 
I paid the loan of {$2500.00}! - I am approaching retirement and I am frightened that I will die with this horrible injustice unresolved. There have been approximately XXXX different companies that have sent me notices to send them money. during this process, I had my social security number stolen and used by someone named XXXX XXXX who got a governed loan with it. 
I have suffered enough - I had to file bankruptcy in XX/XX/XXXX and told the attorney I had this student loan problem - he advised me to put it on my bankruptcy list so that I could just be done with it. -One of the collection people told me that I now have to pay this XXXX XXXX student loan because I put it on my bk papers. I WOULD LIKE THIS TO STOP and I would like my money back that was taken from me erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name is XXXX XXXX XXXX. Following the Equifax data breach I placed a freeze on my credit reports with all three credit agencies. I almost signed up for the " free credit monitoring. I quickly realized if I did indeed log on and use that service the company would no longer be held accountable ... Now, a month and a half later, I need to temporarily lift the freeze and let my lender access my credit report to complete a loan on the asset that I 'm purchasing. I 've been trying to contact Equifax online and over the phone for three hours to lift the freeze and have n't been able to have my request fulfilled. They do n't have access to customer service at all! All their phone numbers refer to automated systems which also do n't work and offer you to send requests via mail! 

I 'm sure there consumed with legal issues and lawsuits but ... Equifax should be especially attentive to its customers now after the data breach, but it seems that the company does n't care about its reputation at all. After three hours of unsuccessful attempts to resolve an issue that should n't have taken longer than a few minutes, I feel totally helpless and lost. 

Bottom line is there are accounts or activity that you do not recognize could indicate identity theft. 

I do want to file a lawsuit for past, present and future damages.. I also want all credit bureaus to remove all 3 credit freezes. 

There seems to be accounts or activity that I do not recognize could indicate identity theft. There is unusual activity taking place at the moment..Now that my personal info is leaked, my social security number, everything! I do n't need 1 year of free credit monitoring, honestly you should be offering 75 years of credit monitoring! But I 'm not interested in your credit monitoring services. 

My lawyer advised me to contact Equifax we recorded the phone calls and it was the worst customer service, words do n't describe. We could not get in touch with one single representative!! ( Over the course of a week )!!!! 



P.S. unrelated to the lawsuit we will most likely file ... I would appreciate a refund from Equifax for the {$15.00} I paid to freeze my credit report. I would also like them to refund me the other {$15.00} to lift the freeze or that they lift a all 3 themselves. I would appreciate if Equifax could lift my credit freeze & contact the other 2 bureaus to remove the credit freeze as well. 

Once that has been completed we will most likely file a lawsuit for damages, this will JEOPARDIZED my identity for THE REST OF MY LIFE! 

Compensation : {>= $1,000,000} Thanks and looking forward to your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MD).
Issue: Trouble during payment process

Complaint: My mother XXXX suddenly on XX/XX/XXXX so we ended up having to dispose of her assets. ( There wasnt much my step fathers XXXX pretty much eliminated most of it. ) To make a long story short advance to XX/XX/XXXX after probate, XXXX XXXX requested that I request a payoff from Citimortgage. I did however they needed one valid through XX/XX/XXXX. On XX/XX/XXXX I contacted Citimortgage and requested a new payoff that was faxed to XXXX XXXX. On XX/XX/XXXX they wired the payoff amount to Citimortgage. Shortly after Citimortgage returned the payoff amount and claimed that on the XX/XX/XXXX they received a bill for {$600.00} from a company in XXXX XXXX which they contracted in XX/XX/XXXX?, to check on the property and do any maintenance. They say this is standard procedure when a property goes in arrears. They claim to have made 3 visits to change locks and landscaping and cleaning. First of all my mother passed in XX/XX/XXXX and was up to date so didnt become past due until middle of XX/XX/XXXX. Please note letter from the bank verifying when the when the delinquency began. Next there is a H.O.A. who does all the maintenance and there is no back yard just a 6ft by 20ft concrete slab. As far as the locks, the current tenant is using the original keys. There was nothing ever done. I have attempted to discuss this with Citimortgage but they cut me off because they do not have any paperwork showing me as the executor or the death certificate. These have been faxed to them and XXXX has copies of the verification they received it. They are saying that it takes 7 to 10 days before it is input to the system, and yet they supposedly received a bill and was immediately placed in the system. They will not discuss anything with the title company or myself letting the interest and fees add on and soon another payment to be included. They also can not produce anything verifying services were done either. They made a mistake and want someone to pay for it. All we are looking for is to drop any additional charges, fees and interest and accept the payoff as is written by them and issue the deed. This is also what Nevada requires them to do.

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 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After my original complaint that I did not get credit report after entering all personal information Experian sent me a letter offering report on this url experian.com/viewreport It is a dead link and I still can not access my free credit report Original case # 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 06/16/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Advertising and marketing

Complaint: I signed up for a Citi Gold Checking Account last week of XXXX 2015. At that time, I spoke with a bank teller ( not done online ) that I qualify for the CitiGold Checking promotional offer of XXXX AAdvantage Miles that I received in mail. If I cleared {$1000.00} spend with the debit card and XXXX consecutive months of bill pay from the checking account then I would receive the points. I asked her multiple times to ensure I qualify because my participation was contingent upon me earning those points. She confirmed. IF that is not promissory salesman ship I do n't know what it is ... But it gets worse. First few weeks of XXXX I jumped through the millions of hoops ( felt like ) to get the checking account up and running, a terrible experience in it of itself. Once my account was functional I proceeded in achieving the {$1000.00} spend and 1 month of bill pay. In XXXX I called and asked a representative where I was in satisfying the requirements to be awarded the XXXX AAdvantage XXXX. The rep I spoke to confirmed that I still am eligible for the promotional offer and have completed XXXX of XXXX requirements ( still needing the additional month of bill pay ). XXXX then came and made the bill pay, and what I thought, completed the process. I called once again, and AGAIN received confirmation that I completed all requirements and should now receive my points within 60 days. It is now XXXX XXXX and now resolution ... ... I submitted a inquiry to CITI on XXXX XXXX checking the status once more and received a generic response " they were looking into why they have n't posted yet ''. Last week, ( week of XXXX XXXX ) I secure messaged Citi to confirm my points were on the way. The woman I spoke to said I should hear back from the team NO LATER than XXXX XXXX. It is now XXXX XXXX. I do not have secure message screenshots of the conversations confirming the deposit of the points post-completion however the evidence should be kept on their recorded lines from those months. This was BY FAR THE WORST CUSTOMER EXPERIENCE I HAVE EVER HAD. I feel like I am getting the run around by every single person I talk to just kicking the can down the road so they can get as much monthly service fees ( {$30.00} ) as they can in the process. Completely unjust and criminal in my mind.

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 12-08-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: I honestly believe Citi Bank and Sears set out to defraud me. I was lied to by Sears Salesman to get me to buy a poor quality home improvement product which was poorly installed at an overly inflated price. I question the fact it was too high priced {$11000.00} for just the gable ends and XXXX lean to wall. I was told I was getting perks for example lifetime wholesale buying on any Sears product. I found out a month later this was a lie when I went to buy a washer at Sears. I called Citi Bank Sears Card complaining that I did not get what I paid for. I would be placed on hold or forward to another customer service in another part of the world. I never got to talk to the dispute dept until I stopped paying on the card this past XXXX 2015. I tried writing and calling two years but continue to make payments until XXXX 2015. I paid {$4800.00} which I want refunded. The siding is falling apart after year and half. I would have never bought this if I was n't made false promises to lure me in. Citi is constantly calling me telling me I owe over {$10000.00}. This is a joint corporate scam. Sears card should be shutdown. I am XXXX on a fixed income and was taken advantage of. I want my money back please and no blemish on my credit. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: on XX/XX/2016 my representation submitted documents to citi bank for mortgage modification on my second mortgage due to reset XX/XX/XXXX. Since then it has been a constant process to keep supplying documents as they go stale from lack of action on Citi banks part. At some point they breached the privacy act by including my first mortgage ( citimortgage ) without my authorization. I made an information request on XX/XX/2016 as to how it happened and other questions including copy of my authorization and was given vague umbrella pass the buck answer yet my Home specialist name was all over it. That was XX/XX/2016 and citi has not responded to my representations request for status update since. That request went unanswered in detail.Today my representation informs me citibank will not talk to her unless i am present. I called number supplied by home specialist and it did not provide any means of entering extension provided by home specialist. I went through automated phone to mortgage assistance and just so happens my specialist got the call. When confronted about lack of status and updates, she claimed it was on hold for lack of documents which my representation confirmed was sent when requested ( conference call ) and that she ( home specialist ) was sick for two weeks, no alternate contact and no automated response she was out of office. Home specialist said I have to start over and that the second will reset in XX/XX/XXXX. Citibank has intentionally let documents go stale, ignored my QWR, stopped communicating with my representation since QWR, forcing me into default destroying my credit of XXXX+. Check consumer complaints and you see this is a pattern with citibank. Hard to get all this in a comprehensive manner. In short my complaints are simple and deserve looking into with a broad scope. 1. Citibank failed to respond to my information request 2. Citibank mishandled my personal information 3. Citbank is failing to work with integrity to help me and other homeowners wanting to keep their homes despite federal regulations that mandate assistance. Bait and switch, take in the applications drag them out until foreclosure, take the property and meet the numbers for assistance applications then blame the homeowner for failing to provide some obscure meaningless document for successful modification. 
In my research Citi Bank and citimortgage have XXXX different tax id # s neither of which are registered with XXXX ca, more confusing is my statements come as citi bank and citi mortgage yet the year end mortgage interest statement for both just shows citimortgage tax id number? Im a consumer please help me keep my home and police the actions of this bank.

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 08/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FM).
Issue: Closing/Cancelling account

Complaint: I have several accounts in closed status which I did not closed. XXXX is XXXX XXXX, an account open in which was open on XXXX XXXX, 2007 and after calling XXXX, XXXX branch at phone number XXXX, she states that they have no record of who closed the account and can not help me in any way. My credit report is showing these accounts in closed status in which I never closed. 
I am a victim of identity theft and these accounts are effecting my credit score. They do n't want to write a letter taking this account of my record, nor opening my account again. I had great standing with them and never owned them any funds. This needs to be corrected, open, or cleared. thanks

Company response to consumer: Closed with explanation