milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit line increase/decrease

Complaint: After receiving a letter from CITI indicating that my credit limit was decreased, I decided to call the XXXX number provided in the letter to discuss the information contained therein. The XXXX time I called, I spoke to representative XXXX. Right off the bat I was given the impression that customer service is n't top priority for their service department as she refused to pronounce my name indicating it was too hard. Shortly thereafter I explained to her the sequence of events that took place and was instructed to hold while servicing notes were being reviewed. Once reviewed, the rep apologized and gave me the option to have my credit limit reinstated, but my cash advance amount to remain at zero. I was told by the rep that this was company policy. I proceeded to explain my anguish with a company policy that penalizes customers for technical issues and requested to speak with a manager/supervisor. I was placed on hold numerous times and waited roughly XXXX minutes before the same rep came back to inform me of how nobody was available to assist me at this time. I refused to leave my call back number and demanded to speak with a supervisor immediately. I tried explaining my discontent with the process at which time I was told that CITI is in fact a big company with a lot going on, insinuating that I should be more patient. At this point I lost all faith with the rep in question and decided to hang up and try back again, hoping to get another rep with a better skill set and stronger ability to perform his/her duties. Unfortunately again I came across the same scenario. At this point I notified the rep that I would be contacting CFPB with the aforementioned information. Here i am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS NOT A REQUEST FOR ANY FRAUD ALERT OR SECURITY FREEZE I AM ASKING FOR COMPLETE VERIFICATION UNDER MY RIGHTS AFFORDED TO ME UNDER SECTION 609 OF THE FCRA THAT STATES YOU AS THE CREDIT BUREAU MUST HAVE ON FILE PHYSICAL DOCUMENTATION OF WHAT YOU ARE REPORTING. EVERY TIME I ASK FOR THIS YOU SAY I MUST CONTACT THE CREDITOR. IT HAS COME TO MY ATTENTION THAT YOU ARE ATTEMPTING TO VERIFY THROUGH AN ELECTRONIC PROCESS " XXXX '' THIS DOES NOT PROTECT ME AS A CONSUMER. YOU STILL HAVE XXXX ACCOUNTS LISTED ON MY CREDIT REPORT THAT CAN NOT BE VERIFIED BY PHYISCAL DOCUMENTATION. I HAVE CALLED XXXX AT XXXX AND SPOKE TO XXXX and according to his records they do not have an account on file with physical documentation, he said and I quote, the account ending in XXXX is not on file, it has been charged off with no record confirming the validity of the debt. So if this is the case then how can you say that you have verified it. You can not but you are deceiving me as a customer and causing harm to my financial well being. XXXX account being listed by you that can not be verified is XXXX XXXX. Spoke to XXXX in their closed accounts department, she said that this account has been charged off and there is not record of it in their system. She could not verify based on information given to them that the account even existed. When I asked for a signed contract she said, I am sorry we do not have that on record or file, I asked how she could confirm that the account was mine, she could not. This account ending in XXXX can not be verified by me, so how can it be verified by you. It can not but once again let the record show that this company has been fined XXXX dollars for placing fraudulent information on credit reports. They said just recently they promised to do a better job of not deceiving their clients. I would say this is a perfect example of how they have lied and will continue to lie. REMOVE THESE XXXX ACCOUNTS IMMEDIATELY

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 02/16/2016 about Student loan (Non-federal student loan) with Loan Science, LLC (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My identity was stolen and used to open fraudulent accounts on or around  XXXX / XXXX / 17 . I 've made numerous calls t o Saks Capital One and wa s previously addressed on complaint  XXXX .     The company 's response stated it was not being reported on my credit report and that the inquiry would be removed.     My credit report just updated and fell over  XXXX  points due to the fraudulent account being reported. This is inhibiting my first time home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been an ongoing customer in good standing with Citibank for more than 7 years and their services had always been great! In 2004, I paid off all of my debt. I held on to my Citicard in case of an emergency, but I had no intentions of using it right away because of the high APR ; However, I received credit checks from Citibank offering me a lower APR. I used one of the checks to make a purchase during the XXXX season unaware that Citibank had decreased my line of credit without ever notifying me beforehand. As a result of this unbeknowst credit decrease, I was plunged into a horrifying court case where I was forced to plead guilty to fradulent check writing. I had to pay {$200.00}, to prevent incarseration. Once I paid the unexpected court cost and the fradulent check charge. I believed that this situation was finally behind me, but to my surprise after attempting employment and housing, I was shocked to learn that this bad check charge had kept me from being hired and achieving stable housing for me and my family year after year. At this point I realized that I had been done unjustly by Citibank because my payments were on time and up-to-date. They sent the low APR credit checks for me to use in any way, as long my line of credit was enough to cover the amount of the check that was written. My line of credit was {$3400.00} and my available line of credit was {$1200.00} which was more than enough to cover the amount of the check at {$130.00}. Even to this day when I am applying for employment, my background check comes back as a reason why I am denied employment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly handled my personal data leading to it being compromised in a XX/XX/XXXX hack that compromised 140 million people 's personal data including social security numbers, addresses, credit card numbers, etc. Their lack of proper data handling security directly led to this leak of my information. 

On top of that, Equifax did not come public about the loss of information untilXX/XX/XXXXXX/XX/XXXX. 

Additionally, Equifax is attempting to make people waive their right to legal action against the credit reporting agency when a user attempts to place a fraud alert on their account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently fell behind on my student loan payments with Citibank. When I was going to be one month behind, I had made proactive phone calls to tell them about my situation to come to a payment agreement, but no offers or assistance were offered to me. I was told to just make a payment when I could and to expect to receive phone calls until then. When I realized I was going to be two months behind, I called again to request a 60-day forbearance ( no payments for XX/XX/XXXX or XX/XX/2015 ), resuming payments in XX/XX/XXXX. I was approved, and the paperwork was sent to me. I faxed my application and received my confirmation. My confirmation stated the dates of my forbearance were for past dates and that my next payment was due in XX/XX/XXXX. 

Customer Service did nothing to help me. They told me that my forbearance started the day after my most recent complete payment, and that because my XX/XX/XXXX payment was behind at the time of the application, that 's when my forbearance period started. An Account Specialist told me I should have received disclosures explaining these terms. I did not receive these disclosures nor was this explained to me at the time I applied. 

I am extremely frustrated because I feel I had communicated my situation and was taken advantage of at a time I most needed help. Having been in such a dire financial situation, reaching out for help, and finding results that offer virtually no relief, the experience has felt predatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Our son passed away on XXXX XXXX, 2015. 
His mortgage was with XXXX XXXX but they sent it to Seterus for processing. 
After sending Seterus our sons death certificate twice, they continue to call our mobile and home phone asking to speak to our deceased son. 
This has caused XXXX to his mother and prolonging her grief leading to a decline in her health.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Other mortgage) with Lending Solutions Mortgage/ LSI Mortgage (GA).
Issue: Application, originator, mortgage broker

Complaint: I have a private held mortgage ... I applied for a refi to reduce my interest rate, first time I applied in 2014 with XXXX after being told that I was approved at the last minute I was turned down.. 2nd time with LSI after being told I was approved and I would be receiving my documents I still to this day have not been turned down..I have submitted over and over the same documents numorus times, now resulting in a 8 months and XXXX appraisals over {$1000.00}. My attorney investigated this company and my loan officee and found that they do NOT have a license, neither of them. 3rd time was with XXXX was told I was approved, 24 hours before closing I was told I was denied. Claimed something about Frank Dodd act so I still do not what that was about. 
So here I have been turned down XXXX times, never once for credit, debt to income ration or income which is why a person would get turned down. 
I would like to take action/full investigation against all XXXX of these companies and I would like to get my loan approved and I would like all my money back for fraudulent appraisals. 
Please contact me at XXXX cell and email is XXXXXXXXXXXX to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXXTIMES THE COMPANY EXPERIAN DOES NOT GIVE A CREDIT CREDIT REPORT. 
WHEN I SENT DOCUMENTS THEY REQUIRE I GET NOTHING. THEY ARE DOING A MONOPOLY AND NEED TO BE INVESTIGATED BY OUR DEPATEMENT OF JUSTICE AND THE C. F P .B.PLEASE GET AGGRESSIVE AND TALK TO A HIGH RANKING SUPERVISOR. THEY KEEP GIVING EMBEDDED ANSWERS AND EXQUISES ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Im disputing this collection because it shows on my XXXX, XXXX, that the debt of Amsher collections service doesnt exist but it shows on my XXXX thats is a debt of mines. It also show that on XXXX my birthday is wrong and XXXX addresses as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company is giving me the run around I have been trying to get a modification for several months. They have ask me to supply documents over and over again I have faxed all my financial information such as income tax returns, bank statements, and paystubs. But now they still asking me more proof of income which I have sent them several times. When I call to speak my loan specialist I never can I always speak to the next representative who is n't handling my case. I was just sent a letter saying that I need a contributor package and two months bank statements or proof of income. Im very exhausted because I been sending in everything they ask for. I feel that they do n't want to give me a loan modification they want me to just give up. That 's why I need your help and guidance. Please help Thank You. The name of the mortgage company is Nationstar Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am a widow, unemployed and XXXX. My husband died 4 years ago and left me a mobile home where I am presently residing. Our mortgage company is CITI MORTGAGE. 
We are paying this company for over 20 years and still have a balance of {$62000.00} dollars, with interest of 7.76 %. 
Two months after his death, I called CITI if my husband 's loan is being paid off thru insurance. They said he got no insurance and that the wife is responsible for paying his loan. They told me to send his Death Certificate and some other papers so they can change his name and put my name on it. I refused. 
Right now I 'm having a hard time to support my XXXX adopted children, XXXX in college. Please help me solved my problem with this gigantic company where I have no voice and money to fight them. 
I thought Mobile Home is cheaper than a real house, but since I married my husband, he got a balance of {$79000.00}. I have no idea why this house is very expensive. 
Second concerns of mine is SEARS CREDIT CARD. 
Even though I am so poor, I always pay my bills on time. I do have a good credit. Last week I happened to read the article regarding your willingness to help us and believe me or not, the article lifted my spirit, hoping that maybe you are answer to my prayers. 
Sears charged me 25.24 % on interest and plus account care program which I pay {$65.00} monthly.Before I charged my purchases to them, I told them to cancel account care and they told me, they do n't use it anymore so I thought that there will be no charges. 
Account care is a ripped off, they said they will pay my bills if I become unemployed and disabled. I have XXXX. Anything you can help me is greatly appreciated. Thank you very much. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Advertising and marketing

Complaint: I applied for a credit card with Citi Bank on XXXX based on a application I received in the mail. I applied on line to see what credit limit and conditions I 'd get on the card. I was immeditly approved for the card and received an email from Citi Bank stating an account has been opened and card will be mailed. HOWEVER, I was not happy with the credit limit and the interest rate. I called Citi Bank immeditly to request the account opening process be halted and for Citi Bank to NOT open the account. I spent an hour on the phone with Citi Bank speaking to a number of individuals. All of whom stated " they could not stop the creation of the account '' and " that I can only cancel the card after its been issued and the credit card comes in the mail. However, I know this can damage my credit card, as the length of credit card account directly impact my credit score and it will lower my credit score. In addition it can delay getting a better card that I deem is right for my needs. I made several requests to Citi Card that they cancel and cease the opening of the account. However, they refused and stated " they simply can not ''. Even though I called them immeditly after the account was opened. The last XXXX digits of the card are XXXX of the Citi XXXX Card. 

I feel tricked by Citi Bank and feel as a consumer who was simply exploring what the cards credit limit would be I have been tricked into opening an account. I feel my rights as a consumer have been pliantly ignored and disrespected. I do NOT want this account. I do not want this card to lower my credit rating or score. I simply want this account creation to cease. Attached is the email I got from Citi Bank. Again, I spent an hour on the phone with Citi Bank requesting the account be closed BEFORE the card is issued. They said " they can not do this ''. I feel hijacked by Citi Bank and feel I had no rights in my own credit. Citi Card was very unhelpful in this matter in honoring my request in regards to my own credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The tv stop working and they would not give us a new one

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This is an ongoing complaint. You should be able to select more than XXXX issue. Yesterday, Select Portfolio Servicing ( herein ; SPS ) sent a Realtor XXXX XXXX from XXXX XXXX ( no address on letter, only a ph # XXXX & a Fax XXXX ) to put a letter on my residence of owner Occupied. To ask about moving out and receiving cash to avoid eviction. My matter is still in litigation. SPS still continues to make attempts to " scare me '' I am XXXX, my spouse abandoned me. I have been fighting this by myself. I am not on a " NOTE '' that had been lost, destroyed or stolen, that was never produced until the very last minute, with XXXX signature, ( ill gotten ) and XXXX endorsement, without recourse. SPS has never had a recorded chain of assignment only a fraudulent assignment by XXXX exists in the recorder office by a Robo Signer named XXXX XXXX. To which is what SPS came with. If they had at the time, why did they not bring it. They did not HAVE the authority to come to court or act on behalf of anyone. I have sent several XXXX and XXXX to SPS, and the recent Realtor. SPS has comitted fraud, along with XXXX Bank. I ask they Cease and Desist from further attempts to seize my home or have me evicted as THREATENED. my case is still in Litigation. THEY ALSO CONTINUE TO ASK FOR A PAYMENT THAT WAS PAID. I HAVE SUPPORTING DOCUMENTATIONS TO SUPPORT THIS FACT. THEY ALSO CAN NOT PROVIDE XXXX YRS OF ACCOUNT ACTIVITY. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (MD).
Issue: Struggling to pay your loan

Complaint: I was out of work on worker 's compensation so I began to fall behind in payments in XXXX of this year. I kept open communication until I was able to make a payment, but I was still struggling with the payment. I had the same issue with other creditors, but they were more lenient than XXXX XXXX. Once I was able to make a payment I was told that I needed to sign a form to stop legal proceedings on my account. I signed the form and made the payment, but I was still struggling to catch up on my financial debts. I continued to keep open communication and explained that I started a new job which changed my pay frequency so it was even harder to get caught up on my finances. I then received a letter dated XX/XX/XXXX, stating that a judgment was granted in the favor of the plaintiff. I thought this was in error because I never received a court date. I continued communication with XXXX XXXX. Then onXX/XX/XXXX, I received a letter statin that my wages would be garnished and I contacted XXXX XXXX. I was told that I signed a consent form so they did n't have to take me to court. The consent form did not state that there would be no court date if I defaulted in payments. I then received my paystub and my wages had been garnished for {$530.00}. Because of this my car insurance was cancelled and I am really struggling more to satisfy my financial obligations.

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