milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Citi Bank had upped our credit limit by {$1000.00} without informing us. We went from {$7000.00} to {$8000.00} and have a XXXX balance on the card. A month later we received a letter stating that there was a mistake and they had inadvertently raised our credit limit but took the necessary adjustments to drop our credit limit back to the original {$7000.00}. I contacted their service department and informed them that I was very concerned because this action could affect my credit score. The service representative did not understand our concern ( language barrier ) and after 30 minutes of trying to explain that this could hurt my score he told me I would have to take it up with the three agencies to get it fixed. What kind of company does this to their clients? What is a {$1000.00} credit limit adjustment to someone who has great credit? I am concerned about my score and want Citi Bank to assure me that this will not affect my credit score.

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 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian.com deceptively enrolled me for a recurring membership, that charged me over {$20.00} a month. I never knowingly signed up for it, and this has left me with a VERY bad impression of Experian 's practices. I 'm surprised this is legal.

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 08-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX XXXX, XXXX with the United States XXXX, and I fell behind my Mortgage Payments after an expensive bitter divorce. I applied for a Loan Modification while I was XXXX, and my Lender Wells Fargo offered a Loan Modification on XX/XX/XXXX. I negotiated while XXXX, by phone and mail, and now feel that my Lender did not offer me the best options or provide me with the proper guidance, but rather looked at my income that increases while in XXXX, and now reduced as I am nearing my retirement and assign to XXXX. 
I have requested a re-Modification to consider my current financials for over a year and have been toss around to different Specialists, whom are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and each one have asked for different documentations with no one taking my calls or that of my Third-Party Representative to provide any status on my Request. 
Nearing my Retirement of over twenty years, I want to remain in my home, and simply ask for a revaluation of the Modification for a 30 year term instead of the 15 year term that I was encouraged to accept. As professional Mortgage Lender, I should have been given the best options, after being encourage to " do it yourself '' rather than use a Third-Party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 requested many issues on my report be resolved and many issues still remain

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 01/22/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PNC Bank N.A. (PA).
Issue: Unexpected or other fees

Complaint: I made several transfers of US $ to XXXX, a US company using my PNC debit card, for the purposes of investing it into digital currency. Unbeknown to me, PNC allowed 3 % of the face value of the US $ transfer to XXXX to be debited from my checking account. The payments were described as POS international fees on my checking account statement and were debited several times between XX/XX/XXXX and XX/XX/XXXX. PNCs excuse is that the US $ payments are routed through a US $ clearing account based in the XXXX XXXX and so they were entitled to charge fees as if my debit card had been used overseas. The aggregate amount of the fees charged total around {$100.00}. 

PNC have refused to file a complaint against XXXX or XXXX correspondent bank and have told me I am only entitled to dispute the transactions. I can not consciously dispute the transactions for two reasons. 1 ). The transactions were genuine and I willingly authorized the US $ transfers to XXXX. 2 ). XXXX currently has several $ thousands of my money sitting in their account. However, I did not authorize anyone to take a 3 % processing charge for the pleasure of wiring US $ into a US $ based account held in California with a US company. 

PNC have refused to take any other action other than giving me the option to dispute the transactions ( which as explained above are valid ). They have refused to allow me to dispute the 3 % processing charge. On a call today with PNC at XXXX today, they have confirmed to me that the dispute resolution process with them is now concluded. They also refused on the call, to provide any further information about who their regulator is or any details of how I can make a complaint against PNC for refusing to help resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: I have requested that Regional Finance not call my place of work. Which is a government agency, I have requested no calls to my work number on several occasions. Today makes the 15th call. I spoke with XXXX on XXXX/XXXX/16, I requested no call to my work number. XXXX from Regional Finance has continued to call, and she disclosed my personal debt to a co worker. These types of practices will not be tolerated. The company is Regional Finance located on XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have an account with Synchrony bank/JCP that was CLOSED and DISCHARGED through bankruptcy since XX/XX/2011.. I tried to contact Synchrony bank twice via letter to remove it from my credit report since it was already discharged but they refused to remove it.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XXXX XXXX, XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XXXX XXXX, XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.

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 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX acc # XXXXExperian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX 2000. 


I recently submitted a request for investigation of an Acct Number : Account name : XXXX Account number XXXX .... 
Account name : XXXX PAYMENT SYSTEMS Account number XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXXXXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I applied for service XXXX bundle package, home phone, wifi, and XXXX. I received a debt collection for home phone that is active with my service. I attempted to call to clear up wrong information and no such luck. I have a letter that states I am in collections for my home phone, but I am active with service.

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with S&S Physician Services, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i previously filed a complaint with cfpb ( XXXX ) and the company said that it will be removed and closed on XX/XX/2017. the account is still reporting on my credit when it was told to me by the company it would be removed. this is reflecting my credit in a negative light and hurting my true credibility to borrow and pay back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: on XXXX/XXXX/16 I mailed a letter to Experian requesting verifiable documents with my signature on them for accounts being reported on my credit report, I did not receive the results or proper notice on the status of my investigation during the dispute process, they also will remove an address on my account XXXX XXXX XXXX that is not my address, also Experian will not remove any inquiries of my report which I did n't authorize any of them, they are allowing companies to pull my credit without my permission specifically 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 non-monetary relief
Consumer complaint received 05-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An alleged debt in the amount of approximately {$280.00} was reported to Equifax XXXX for an account from XXXX ( acct. # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a purchase money first loan XX/XX/XXXX, I am the only person on the loan and my partner is on title only. XX/XX/XXXX after applying for a modification I noticed that my documents showed the loan was held XXXX. After applying for the modification I checked at the courthouse and XXXX had transferred servicing of my loan to Wells Fargo. Nether Wells Fargo or XXXX notified us of this action. XXXX held my loan for XXXX years despite not being a loan service. Federal law requires we be notified and to this date that has not taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My signature was copied and used on a promissory note by a financial aid officer at a XXXX in 2002. I was informed by an unknown person that this suspect was being investigated ( during this time frame ) by a voice mail left on my answering machine. I was asked to call. I was too sick to return the call at the time and actually forgot about it until my XXXX refund was intercepted by ECMC. I explained the situation to them and they asked for proof. The school has changed names, all of the staff have been replaced and no one can provide the answers that I need. I am left to struggle with a meager XXXX that has also been intercepted by ECMC and currently on XXXX. My utilities are months behind ; because I was expecting my tax refund. The XXXX informed me that ECMC should never have been involved ; because I was under forbearance for other loans and was also a student. It has been a nightmare that has caused my life to take a downward spiral. I need help please.I am also 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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint against Trans Union. They are reporting fraudulent information on my credit report. I have tried to resolve this issue on several occasions via phone conversation, online dispute, and by mail. They wo n't comply with my requests. The items listed on my report are fraudulent. I am requesting that the accounts and inquires be deleted upon receipt. If this matter is n't handled in a timely response I am filing a class action lawsuit against Trans Union and reporting the agencies to the BBB.

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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX XXXX-XXXX, XXXX, I informed Citibank that I wanted them to refund a credit balance on my account of a significant amount. This was a result of a balance transfer that was completed without pre-confirmation to me after I had already paid off the balance on that card. Initially I was told that it would take 2-7 business days to complete the refund. However, on XXXX XXXX I received a email message from Citibank indicating that it would take up to XXXX XXXX, XXXX for me to receive my refund. In addition, to the unacceptable length of time I have and continued to receive contradictory information from Citibank, including different times I can accept the refund and in what form. There is no reason for this hold or continued conversion of my funds.

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 08-05-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Our home mortgage was being serviced by Seterus. In XXXX 2016, we decided to refinance our mortgage.Prior to our closing date XXXX/XXXX/16, I contacted Seterus on several occasions to find out how much money was remaining in our escrow account, so that we would know what we could expect to receive back in the way of an escrow refund check after we closed and fully paid off the mortgage with Seterus. I was told that we would have {$4700.00} remaining in the escrow account. However, we instead received a check in the amount of {$2100.00} ( dated XXXX/XXXX/16 ) as our escrow account refund. When I called to inquire about this discrepancy, I was told that I must submit a request in writing requesting an explanation of the actual disbursement of funds from the escrow account, which I immediately did. I was sent a final escrow account disclosure statement, which showed the projected and actual payments to and from the escrow account. However, there is a large variation in the actual monthly payments to escrow. When I called again to attempt to get clarification on this matter, I was again told to submit a written request, which I did. After more than a month, I received a response from Seterus, which was a copy of my customer account activity statement. This statement is very unclear and confusing. I called Seterus and spoke to numerous representatives and supervisors, none of whom were able to clarify or make sense of this statement after spending numerous hours on the phone with them. Again, I was told to submit a written request to the correspondence department, even though my calls were to follow up on and clarify a previous response from the same correspondence department. I have sent this request on XXXX XXXX, 2016 and, to date, have only received confirmation from Seterus that they received my request, but nothing more to provide any additional information about the discrepancy between what I was told would be our escrow refund and the actual refund we received. This matter has been unresolved since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Fedloan Help (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had   XXXX   XXXX   in college, from   XXXX   XXXX  - XXXX from   XXXX   XXXX   university, then   XXXX   took over after some other company tried to help me with payments, forbearance etc then another company fedloan, took over I have been making payments to two different programs, my debt was over 80k, I dont understand what to, I was paying this company and then everything stopped in  XXXX , it was forgiveness program, I have been in the education field for over 12 years.then I see my credit score keep going down some I 'm default, I do t understand, when I call the business I 'm getting nothing, I even emailed and tried to go on the page and it no longer exist. I 'm not sure what 's going on but the whole   XXXX   XXXX  ,   XXXX    situation has been handled all wrong. I have ALL THE EMAils and COMMUNICATION with the COMPANY. I have been trying to contact the company since  XXXX - XXXX . Please help me

Company response to consumer: Untimely response
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: First off, due to the data breach with Equifax, I do n't feel that I should have to pay them {$10.00} to initiate a credit freeze. I would n't have done so if they had n't had the security breach. Now, they are profiting due to their own ineptness. 1 year of credit monitoring is n't sufficient as a response either. They need to offer a free credit freeze to anyone who is affected by the breach and their own website said that I was. 

Despite the above concern, I initiated a credit freeze with Equifax ( and the other two ) and then went to pull my credit report at XXXX. The Equifax site said " The System is Currently Down for Maintenance ''. Unacceptable. I went back in again and it let me get all the way to verifying my identify before the system went down again with the same message. Still unacceptable. 

XXXX has a similar issue where the report would not generate.

Company response to consumer: Closed with explanation