milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Dear CFPB, This complaint is a follow up complaint to these two, which you have marked as closed but have never been resolved.
XXXX XXXX Citigroup insisted that I complete, at my time and expense, a Power of Attorney, before discussing with me, their establishment of a very large credit line in the name of my XXXX XXXX wife. I did this as they requested and send them the documentation in early XXXX.
Instead of contacting me, they are now calling my wife, who is XXXX XXXX. The whole point of getting the POA was so that they could discuss with me, but they are going around my back and not honoring the terms of our agreement to date.
Please have them contact me as was our deal from the previous complaint.
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was being monitored by the home preservation unit while I was unemployed, Keep your home California was making my mortgage payments for about 5 months. Note prior to Keep your Home California. I never had late payments or had issues paying my mortgage on time. As soon as I became employed I called and cancelled the program and resumed paying my mortgage withe XXXX 2016 payment. Note, I have never ever been late on my mortgage and there is no reason for Wells Fargo to keep me in the home preservation program. Although they tell me I am not in the program. I am still getting calls and letters from Wells Fargo property preservation program monthly. I have all the voicemails they keep leaving on my cell phone. If an CFPB investigator calls me maybe I can get you to hear the calls and dates and times or I can email you the voice mails they keep leaving me. I called Wells Fargo today, Friday XXXX XXXX, 2016 and spoke to two people. One was a property preservation specialists who told me I was no longer in the program and did not show I was receiving calls but I am. I have the voice mails they have left and the letters. I explained that back in early XXXX I got a letter and calls and they said they should not record of a call or letter but I have them. Second I was told I was not n the program as of XXXX XXXX but I keep getting letters and calls. The latest property preservation letter I received is dated XXXX XXXX. Well after they said I was not in the program. Then the customer service person after telling me I am not in the program started asking me questions and treating me and my loan account as a person who would be in property preservation.Asking me if I was going to keep my home, if I lived in it etc ... That 's when I asked to be transferred to their escalated customer service called office of the president. While expressing my concerns, that Office of the president person hung up on me or disconnected me on purpose. This was extremely rude and unprofessional. I was not rude or disrespectful. I just wanted to be removed from the program as I do not need or want any property preservation assistance. I want my loan is normal servicing status. 
I want Wells Fargo to remove me from their property preservation program. I want the calls and letters to stop. Although they say they do n't show I am getting calls and letters. I am getting calls and letters and I have the proof. They leave me voice mails and I have them saved. I am not late on my mortgage and have never ever been late on my mortgage since I got the loan over 5 years ago. I am concerned that they purposing want to mess up my loan and damage my good payment history or damage my credit report history.

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 02-07-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with ACIMA CREDIT, LLC (NY).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX, i went in to finanve 2 pairs of prescription eyeglasses for my daughter. The merchant explained the the process while submitting it online. I gave my information and told me that i would get a text message and to give her so that the application could be submitted, which i did. Everything came to {$1100.00}, {$50.00} which was the application fee. I got my merchandise, she printed the agreement and i went my merry way. She did not explain all the terms to me.On XX/XX/XXXX, called and was shocked when i was told that i owed {$2300.00}. I inboxed XXXX through XXXX and this following is what i was sent. There is no way that i would have agreed to this had this been explained to me .This is our XXXX   messenger communication " This place is horrible. The merchant did not tell me i had 90 to pay off anything. Bought 2 eyeglasses XXXX. Now I'm being charged XXXX because it said i didn't pay off by XX/XX/XXXX. Thats double the price plus some. I've made XXXX in payments to learn i have 12 more  payments to go. Would never have agreed to this had i known. Seriously XXXX for 2 eyeglasses. '' " I'm sorry that the merchant did not explain all our terms to you. We are a third party company that handles the financial side of the contract. We provide the lease agreement breaking down all our terms since the merchant is not the financial institution, they will not be the ones who know our terms. You did sign the lease agreement that breaks down all the costs. As well as received a text message on XX/XX/XXXX that explained all the amounts stating " Congratulations, you signed your Acima Lease : - Lease # : XXXX - XXXX Buyout XXXX : {$1100.00} - Pay Freq : every-other-week - Pay XXXX : {$88.00} - Est. 1st Payment : {$88.00} - 12 Mo. Payment XXXX : {$2300.00} Call Acima at ( XXXX XXXX XXXX XXXX with any questions '' I snapshot the communication I had with XXXX and uploaded them. Sorry for them being in pieces.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (I do not know) with SIMM Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Tuesday, XX/XX/2018, I received a letter from SIMM Associates , Inc. stating, " Your account has been forwarded to this office for collections. This is a formal demand upon you for your payment of this debt ; however, our client, XXXX XXXX XXXX has authorized us to attempt a discounted payoff of your current outstanding balance. '' They want {$1200.00}. I do not owe anyone this, especially not this much money. I have never heard of " XXXX XXXX XXXX '' nor of SIMM Associates. In other words, I suspect this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been fighting this issue with Experian for over a year now! Now all the credit bureaus have the wrong info. My account number with CFPB is : XXXX. Experian has cost us thousands of dollars so far and stopped us from being able to move forward with our lives, financially. Experian, LIES-LIES-LIES!!! CFPB, would do their part, then Experian would tell us they would correct it and they would only send us another bureau report, no changes, in fact the reports got worse, for we were refused a consoladation loan and it was at that time we discovered, EXPERIAN had deliberately XXXX our credit report. I am fully aware of all the lawsuits against Experian, plus Experian 's part in the XXXX XXXX scam. I 've made copies of these issues from your website and hand delivered to companies we were trying to get credit from, no help. After calling XXXX different phone numbers, I finally reached XXXX at Experian, XXXX, on XX/XX/2015, XXXX said he could n't hear me, gave me a number to call him back and " YES '', that number was a non working number. I 've not been able to reach Experian by phone ever since. As stated in my original complaint, neither my wife nor I 'EVER ' gave Experian nor any other credit bureau the permission to gaither or report our credit, plus they never get it right for millions of people and yet they keep going getting away with murder and making trillions of dollars at the expense of others. We need this matter corrected " ASAP '', ( ALWAYS SMILE AND PRAY ). 
PLEASE-PLEASE HELP US WITH THIS REQUEST. We are in our XXXX and deserve to live a better quality of life. 
Blessings XXXX & XXXX XXXX XXXXXXXXXXXX XXXX XXXX, CO XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: I have disputed this account multiple times with eqifax and XXXX XXXX. I asked them for to verify and send me proof this account is mine. They keep sending a bill what is not proof this account is mine. 

According to section 609 Credit agencies must verify this is my account. A screen shot is not a verifiable proof this account is mine. 

I would like for XXXX XXXX and eqifax to delete this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Credit Report Inquiry XX/XX/XXXX Your company Citi Bank BestBuy Card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
You can prove that this process mandated by the FCRA took place between your company and XXXX  consumer reporting agency? 

Citi Bank XXXX, Best Buy did not reply to both dispute letters sent XX/XX/XXXX and XX/XX/XXXX. 
Per the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.

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 04-08-2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I used to have a pre-paid XXXX account, consisting of top up cards. There was never actual XXXX in contact with me. The claims of my current balance with there collection agency are false.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Mortgage (Conventional home mortgage) with ASTORIA BANK (IL).
Issue: Struggling to pay mortgage

Complaint: We are still processing a short sale with Astoria. On XX/XX/XXXX, I emailed the last remaining requested documentation to XXXX XXXX. She responded to my email that she would review that document and advise me that afternoon whether the foreclosure sale date of XX/XX/XXXX has been postponed. She did not respond as promised. I called Astoria this morning, XX/XX/XXXX, to confirm the foreclosure sale date has been postponed. I spoke with XXXX. I asked her as to a status of postponing the sale date. She said she does n't see that XXXX XXXX notated the file requesting for a postponement from the investor. She said the processor in her absence is XXXX. I asked her to check with XXXX to see if they have postponed the sale date. XXXX stated that she does n't have the document and XXXX does and she will review it for postponement once she gets back from vacation on XX/XX/XXXX. I asked for a supervisor since it 's not appropriate to hold up the entire process for one person 's vacation. She transferred me to XXXX, the " Team Lead '' who says he does n't have the document I confirmed XXXX XXXX had yesterday. I asked him to check her email since she did n't upload it so the rest of the office could see it and XXXX does n't have access to her email to retrieve the document. Once again, XXXX XXXX has lied to me she did not review the document and she failed to update me as promised before she left for vacation. Astoria has continued to provide inferior customer service and I should n't have to spend 90 minutes on the phone with them to get someone to assist with an issue. Astoria continues to  make promises it does n't ever keep.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (RI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.

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 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: We operate multiple businesses and receive several fund options for cash advance, account receivable, term loans, etc because of our strong credit file. The offers demonstrate preapproved deals and some even come with a card and check. I call them and I ask them specific question to avoid any middle broker taking my critical financial information to multiple other companies that may or may not be direct lenders " ARE YOU A DIRECT LENDER AND IS THIS YOUR OWN FUND? ''. I specifically asked them to confirm that they are a direct lender. I will not seek credit from a broker as we have been burnt in the past by fraud. Also, these brokers share my application. I found out that there is a website called XXXX leads and the brokers have found out about my application and shared it among others. There were XXXX inquiries submitted against my Experian credit file by several banks repeatedly in a few days that I have not applied for credit with them and I am not even familiar with them. These brokers lied that they are direct lender and never obtained my approval to run my personal credit. My credit file is now abused by XXXX hard inquiries that I do not even know who initiated them. I want these fraudulent inquiries removed from my personal Credit file urgently as it is impacting my clean and strong credit history. 

Unfortunately it seems that they easily lied and produced my financial information to multiple other companies accessing my personal credit report with a Hard Inquiry. I was scammed with almost XXXX hard pulls almost destroying my credit file. 

I have also more specifically asked them prior to running my credit I must see their type of offer to make sure the type of the loan product is acceptable to our company. 

I have frozen my credit file as I can not tolerate these liar brokers that are all over the country introducing themselves as direct lender or having exclusive relationship. 

I am seeking your help to remove the disputed fraudulent inquiries below.

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 07/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XX/XX/XXXX, in a good-faith effort to repay a private loan at XXXX XXXX, I scheduled XXXX individual payments of the minimum ( {$87.00} ) to coincide with my pay-days so I knew I would be able to cover them when they came out of my bank account. Around the same time that XXXX XXXX switched private loans over to the newly-branded " Navient, '' they started reporting my loan " past-due '' to the credit bureaus. My scheduled payments were set up to pay my minimum balance through XX/XX/XXXX. 

XX/XX/XXXX, I received notice from Navient claiming that I missed XXXX payments and my loan would be defaulted upon if I did not pay {$1500.00}. I have called Navient and been bullied and abused by a supervisor their collections department. He would not offer me any forbearance or repayment programs, and insisted the only way for me to avoid default was to pay the full balance due immediately. I did not and do not have {$1500.00} to pay Navient ( or anyone else for that matter ). I explained to him that I never should have been reported delinquent in the first place because I had automatic payments set up to withdraw the minimum due on my account for XXXX months when Navient started reporting me delinquent. He continued the abuse and refused to help me. 

I called back and spoke to the agent assigned to my case ( XXXX XXXX ) and he was more helpful, listening to me when I explained that I should never have been reported delinquent in the first place. He agreed that Navient made mistakes and should not have reported me delinquent while I was in the fifteen-month program but claimed he could not rectify that himself. He offered me the option of paying {$32.00} to " roll-back '' my account to " avoid default '' or to pay {$120.00} minimum ( a " 1 % interest rate reduction '' ) on a XXXX month payment plan to bring the account back to good standing after XXXX months of on-time payments. 

Navient refuses to accept a payment from me that I can afford. I made a good-faith effort to make my payments and set up recurring monthly payments with them for fifteen months and still they reported me delinquent before that program ran out. I want to set up payments I can afford. I have {$160000.00} of student loan debt and I can not afford the minimum monthly payment of {$120.00} they offered me and they refuse to offer me anything I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted by a Company named API Recovery Solutions. I was told that I had 2 days to pay the debt or I would be taken to court. I was so scared that made a payment. After researching the company online I can not find any legit reviews for them actually being a company. Everything I read says that it is a scam. I am not sure what to believe at this point. I cancelled my bank card and told the company to leave me alone and they said they would take me to court and garnish my wages. I want to get this paid but I am not paying a scam artist.

Company response to consumer: Untimely response