milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.

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 04/21/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was trying to contact  XXXX  about an approval for repayment plan, I dialed the number on the invoice  XXXX  and was directed to th e Student Loan Help Center. Aft er about a half hour of talking I found myself agreeing to a consolidation of  XXXX  student loans with {$0.00} monthly payments and forgiveness of all loans after 20 years ' all based on my annual income. In addition  XXXX   XXXX  explained to me that there was a {$790.00} fee to cover enrollment fee and the legal process to consolidate into  XXXX  loan. Later that night I read the document they sent for signature, signed electronically, authorizing the fee to be deducted from my account and finished. Shortly after I read on dept of education that there should be no fees incurred for student loan help or consolidation. I tried calling  XXXX  to leave a message to cancel and the call was answered by a general phone line and I was unable to leave a message. I did send an email to their support center and will request a refund in the morning. The funds were withdrawn as soon as I hit Finish. Please advise if this is a scam and how I can get my money back

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: Hello, I opened a Citi Gold Checking account in XXXX per the terms of the XXXX XXXX XXXX miles promotion. Promotion ID : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XXXX, after reaching out to Citi to confirm my eligibility of the offer, I received this response in a secured message : " From : XXXX XXXX Wise Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information regarding your promotion. 

Thank you for providing your XXXX number. I have now notated your account and can confirm that you completed the requirements for this promotion. Per the promotion policy, the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. 

With this in mind, you should expect to have your miles processed no later than XXXX/XXXX/16. Please note, it will take an additional statement cycle after processing for the miles to reflect your AAdvantage account. 

Additionally, thank you for completing your XXXX form. We have yet to receive it, however, it can take up to XXXX weeks for the documentation to be received and processed to certify your account. 

XXXX XXXX, your trust and satisfaction are very important to us here at Citi. It is a privilege to assist you with your promotion information and I look forward to assisting you again in the future. 

At Citibank we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number XXXX to complete your feedback. 

Send Your Opinions Thank you for choosing Citigold. If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold Services at XXXX. Internationally, you can call us collect at XXXX. XXXX XXXX is available at XXXX. We are available to assist you 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services '' I am simply requesting that Citi deposit the promised XXXX American Airline miles into my account. 

Thank you, 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 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Regional Adjustment Bureau, Incorporated (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The Regional Adjustment Bureau, out of XXXX, TN has apparently taken over a debt that is in dispute. In an attempt to collect on this bill, they have called me, my employer, my adult son, and who knows who else. I have asked them to stop. I told the collections agent that I am disputing the debt. He continues to harass and try various methods to collect. He told me that I HAD to talk to him, that I had to DEAL with it. I do n't even know what the charges are supposed to be for. I believe that it is from a XXXX account that I cancelled and XXXX continued to bill. I requested multiple times to have them send an explanation for the debt, so I could verify and document what it was for, but I have yet to receive it. I have disputed it on my credit report. I have 100 % on time payment record. There is no call for this kind of action. I would like it to stop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Credit card) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX overseas in XXXX and I made a purchase on XXXX for some documents for my XXXX. I called and told XXXX that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. XXXX still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from Convergent Outsouring, Inc. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with XXXX. I received no letter from XXXX, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from Convergent asking for settlement for XXXX XXXX Bank on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Auto debt) with MAS Financial Services, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I co-signed on a vehicle for my sister back in XX/XX/2016. the car was a lemon and kept breaking down. we returned the car to the finance company : MAS Financial. they falsified information saying they repossessed the vehicle. I had it towed to them as a will full turn over. now they call and threaten with lawsuits and criminal penalties. the change the amount every month and report it to the credit bureau causing my credit to vastly depreciate consistently, and its been going on for over a year taking my score from a XXXX to a XXXX. they have lied to other lenders stating the repo is more recent then it actually is. they continue to harass me on my cell, they've called my employer. its such a nuisance. I feel they are intentionally attacking my credit on a monthly as a way to force me to pay them. please help

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 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Experian on XX/XX/2016 and spoke with XXXX regarding the results from the reinvestigation of my credit report. He asked for me to verify my private information and afterwards asked me how me could help me. I told him that I did not agree with the investigation results pertaining to the account XXXX XXXX that was showing as updated on my credit report. I asked XXXX to tell me how the account was verified, because I have the right to know. XXXX informed me that he did not know specifically what method was used, and if he did know ; he did n't have to share that information with me, because that is confidential information between Experian and the original creditor. He stated that the original creditor is the paying customer that furnishes the information on my report ; so they are the only ones who could gain records or make any changes in regards to information pertaining to my credit file. At that point ; I was so distraught and I became very upset. I told him that according to the FCRA, I have the right to know and by law I am entitled to receive that information if I requested it, because this credit file that Experian is holding is pertaining to my livelyhood. At that point ; he told me that he could not help me with that information, and if there was anything further that he could assist me with. I told him that he is violating my consumer rights, and I demand to speak with his supervisor immediately. He told me that he will transfer me to XXXX XXXX to further assist me. At that point he made disconnected my call completely. I immediately called back for assistance, and after my information was verified ; I was directly routed to XXXX XXXX who was unavailable to assist me. I have to say that I have been violated in the worst way when it comes to my consumer rights and being treated fairly. I am so hurt ; literally in tears as I write this, because I have rights, and he treated me as if I was scum on the bottom of his shoe. He treated me as though my demands or request did not matter. I want this report completely removed from my account, and this employee should be fired for treating law abiding citizens like this.

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 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: customer service refuses to help me with the negative inquiries

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 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX, I missed the first of my payments on two credit cards I had with Citibank. I was having a XXXX XXXX, and had extreme financial duress. Without the XXXX XXXX, I would n't be able to return to work. I called Citibank monthly to try and attempt setting up a payment plan, as I had successfully done with XXXX XXXX. ( I 've been a Citibank customer for more than 10 yrs ). I was told that unless I could pay the full amount due ( balance, late fees, etc ), they could not help me. I 've called them at least a dozen times in the past year to try and get some sort of payment plan set up, as I went back to work in XX/XX/XXXX. They would not cooperate, same reason. Well, now it 's 12 months later, and they 've allowed the late fees, interest and other fees to accrue, all the while I was n't even able to view my account online any longer because it was in default, and they 've just sent me letters for both accounts and the balance has been sent to a debt collector. The amounts are so much higher than what I owed a year ago, and I feel that this is fraudulent practices on their part. Intentionally leaving an account open, but inaccessible to the customer, and jacking up the fees to buffer their balance is corporate thievery. I was an excellent customer all of those years without any late payments, even while struggling, and this is the return for financial duress.

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 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My lender is Ocwen Loan Servicing , LLC . In late XXXX 2015 I mailed a Qualified Written Request. In that QWR I asked XXXX specifc questions. I received a letter dated XXXX XXXX, 2015 from Ocwen ; neither of my questions were answered. On XXXX XXXX, 2015 I mailed another QWR via cerified mail. Then on XXXX XXXX, 2015 I XXXX again mailed another letter to Ocwen stating that they are in violation of RESPA, and warning them that I intended to file a complaint with the CFPB if the matter was n't resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with Wilson, Riley & Associates (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: He identified himself as a lawyer from Wilson, Riley & Assoc. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed XXXX XXXX {$310.00} but I never had a loan with XXXX XXXX. The payment arrangement he would make today was {$180.00} to consider the case closed or three payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with STANDARD MORTGAGE CORPORATION (FL).
Issue: Trouble during payment process

Complaint: Standard Mortgage Corporation XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, LA XXXX Original contact date was XXXX XXXX, XXXX to set up an arrangement to have house appraised to lift Private Mortgage Insurance should it appraise at a pre-determined amount. Early XX/XX/XXXX would have been the 2-year mark of ownership, allowing eligibility for the appraisal according to their terms. They said I was eligible for appraisal in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, 4 emails were sent and about 7 phone calls. All calls except for one were eventually routed to random voicemails, where several voicemails were left with no returns. One call on XX/XX/XXXX was received by Customer Service, whom routed me to an agent that again just landed on voicemail. 

Absolute and complete avoidance of me wanting to work on paying the needless, draining costs of PMI every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with Niagara Credit Solutions, Inc (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Niagara credit solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (PA).
Issue: Credit decision / Underwriting

Complaint: Please see case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Money transfer, virtual currency, or money service (International money transfer) with XOOM CORPORATION (OH).
Issue: Confusing or missing disclosures

Complaint: XXXX is the one I use to transfer money. This time I got this message after I submitted. And got the message, Your payment is currently in the electronic check clearing process. During this time, your bank account is being verified, debited, and payment is being credited to XXXX. Normally, this process takes up to four ( 4 ) business days. 

They did not provide a warning before submitting. Called three times and was told all the other times they pre funded but in reality, the amount was debited instantaneously. This warning must have been shown before submitting the transaction. 

My second call was hung up.

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 02/24/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax has been good about real investigation and having items removed. 
The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Account opening, closing, or management

Complaint: Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a freeze on all of my reports. A company XXXX XXXX XXXX pulled my credit report by saying it was FRAUD ACTIVITY on my account. Per I do have an account with this company and this is not the first time they have tried to pulled my report. I do not understand why you need to constantly pull a credit report if someone already has a account. 

So In order to pull my report they had to state that I was doing something Fraudulent. I called to ask them what was I doing Fraudulent and each time the disconnected the phone call, three times. I need this inquiry deleted from my report. I have contacted XXXX and they are insisting that I get a letter from this company and the company will not even speak to me. This report was done in FRAUD. I will be also getting a police report. 

Thank you

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