milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2015 about Debt collection (Payday loan) with Delbert Services (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have been getting calls for the last year or so regarding a debt from Western Sky my husband and I took out in XXXX of 2013. I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from XXXX XXXX XXXX a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ND).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I received a letter from CitiBank XXXX XXXX XXXX rewards card stating that they were decreasing my credit limit from {$25000.00} to {$11000.00}. When calling to ask why, they basically said because they can. I schedule automatic payments through my bank, so they wo n't be late and stay consistent - often paying more than the minimum payment. I discovered when speaking with them, that I made a larger purchase and my scheduled payment of {$230.00} was not enough to cover my {$230.00} minimum payment - resulting in a late fee. I spoke to a supervisor and upon doing a review of my payment history, she realized that I had not had a late payment in 25 years ( surprised me too ). She reluctantly reversed the fee. I then tried to reinstate my credit limit as it significantly reduced my credit score. They asked for an update income as it had not been updated for 25 years and at that time I was a college student making nothing. I updated income to {$180000.00} and customer service representative verbally approved my reinstatement of credit limit, but told me it would need to go to the next level for final approval. I was told I would be notified via email, but instead I received a letter denying my request. The scary thing is that I quickly realized that any and every credit card company could to this at their will for about any reason. This would totally demolish any credit score. On top of all that, when I received my next statement, all reward points were gone - like I was n't even enrolled in the program. It 's obvious that the thousands of dollars they 've made from my interest was enough and did n't want my business anymore.

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 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carpenter, Hazlewood, Delgado & Bolen, PLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: To the Consumer Financial Protection Bureau, I own a home located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona XXXX and pay my XXXX fees to XXXX XXXX XXXX currently. 

In XXXX 2016 I made the assessment payment in the amount of {$250.00} In XXXX 2016 I received a letter from XXXX XXXX XXXX, regarding weeds in my front yard, and immediately corrected the problem. 

My next quarterly assessment to XXXX XXXX was due in XXXX 2016 of {$250.00} I unintentionally missed this payment, and proceeded online to attempt to make XXXX quarterly assessment payments at once. I was blocked from XXXX XXXX online bill pay. I called regarding my account and was sent to voicemail. Several days later I received a Notice of Lien filed against my home in XXXX XXXX, Arizona. After a couple of attempts, on XXXX/XXXX/16 I had the opportunity to speak with a specialist from XXXX XXXX, who was unable to give me any information regarding my account, and only advised me that this was sent to an attorney for collections, and that I needed to contact the attorney for any information. The attorney was XXXX, XXXX, XXXX XXXX XXXX in XXXX, Arizona. Their email address is XXXXXXXXXXXX. I spoke with a XXXX XXXX XXXX, who provided me with a list of fees that they claimed I owed, totally {$1500.00}!!! She could not tell me when any of the demand letters they charged me for were sent out, she could not advise me if any collection phone calls were made, and could not explain to me how XXXX missed {$250.00} quarterly assessment, turned into a lien on my home, and an outstanding balance {$1500.00}, that continue to create additional fees that I have to pay. I sent an email to XXXX ( that 's how I was advised to obtain information ) at XXXXXXXXXXXX. I received no response, nor have I ever been contacted via phone or letter for a payment, other than the XXXX I stated above. I also saw on the list of fees that I supposedly owe that I was being charged {$100.00} for weed fines. These have been kept up since the initial letter, and I do n't understand why I am being singled out for this. 

If anyone could kindly assist me, I feel taken advantage of as a consumer and home owner. I do n't understand why no one will help me or explain to me how to resolve this. I do n't understand how a missed assessment payment of {$250.00} has quickly compounded attorney 's fees, document fees and a lien on my home. I understand as a consumer, that if you have a late payment, a reasonable fee to be assessed would be expected. As a single, female home owner, who takes every precaution to pay my bills and protect my credit, I feel targeted by XXXX XXXX and am desperately seeking the assistance of the CFPB. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I received a NetSpend card in the mail. It has my first and last name on it. The label advising to call and activate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Not sure where this is from. 
I closed my XXXX account in XXXX 2016 ; and even received a credit check back for unused service. 
Also, my condo association changed to XXXX in my complex, XXXX 2016 and they checked my record and again did n't indicate I owed any past debts.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have never and do not authorize Equifax to collect or keep any personal information about me. Any information that has been collected, stored, or distributed about me, by Equifax, is entirely against my will. Equifax, through their negligence, has released information about me to malicious actors.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan through XXXX XXXX Bank and was given a pre-approval. Quicken Loans underwrites their loans. Once in underwriting, I was asked XXXX times why I was moving from my home with my husband. XXXX, requesting my answer in writing and XXXX by phone, on a recorded line, directly from the underwriter. My answer was consistently the same, that this property would be my primary residence. 
I was told that I could n't use money from my business account because the business was filed on my taxes as a partnership between my husband and I. I proved that I was the sole principal on the business. 
Then I was told that the mortgage would not be approved until I gave them a date of when my old rental property was charged off by the Lender. I got this paperwork too. 
By this time, we were two weeks post my original closing date. The earnest money deposit, inspection, and appraisal had been completed for three weeks, the underwriter then told me without a divorce decree or a legal separation agreement, they would not be able to complete the loan due to this being a " primary residence '' property. This was the first I had heard of these documents being needed. All parties were aware that I was married and no one told me this until I had spent {$1200.00} on the above fees and now no one will address how I can get my money back or what I 'm supposed to do about starting all over and finding a home with {$1200.00} less in my budget. To make matters worse, Quicken Loans sent my lender a denial letter stating that the reason was, there were credit issues, slow pays and delinquencies. This is a lie and had never been addressed during the entire process. This home had equity in it and I want something to be done about my huge loss.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get assistance with Citi Mortgage for 3 years now. When my hardship started my daughter was a XXXX. Now she is going to be XXXX. There has been a lot of time wasted and no solutions. My case was unjustly closed twice due to missing documents, they had those documents on file and they had me re apply again wasting more time. I am attaching my letter explaining more, and my authorized third party provided me with their notes with names, dates and ID numbers. I just want a fair review and i want to start paying my home again with an affordable mortgage payment.

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 06/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: I am currently in a loan with Santander Consumer USA. My loan interest rate is 19.75 % I have had the loan for over XXXX years the loan started out at {$14000.00} and since then it has only gone down to {$12000.00}. I have recently seen a news article about usury loans against Santander consumer. There was also a point in time where for XXXX months where they lowered my monthly payment and did n't tell me it would only go towards my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Customer service / Customer relations

Complaint: I received my Bank of America Travel Rewards credit card back in XXXX of XXXX. I wanted to wait a couple months to activate my card, so I called and verified that if I wait a couple months, then I 'd still have 90 days from the day of activation to acquire my XXXX points. The customer service rep that I spoke with verified. XXXX/XXXX/XXXX I activated my card and they said I have 0 % interest till XXXX XXXX. I called today to see if they could extend the 0 % interest to 12 months from activation, but they told me no. I said that I 'd like to verify that I still have 90 days from activation to acquire the XXXX points and they told me no, that it was from the day the account was created and not activated. I was misinformed by the representative that I spoke with back in XXXX. I 'm upset about being given the incorrect info back in XXXX, so I asked to speak with a manager, so I was transferred to XXXX XXXX from the West Virginia call center. He told me there is nothing he could do and that that no one would be able to adjust this for me. I explained I was upset about being told the wrong info when I called in XXXX and that this makes this Travel Rewards card useless to me. I told him that I was going to file a complaint, but he said there is nothing that can be done. It 's disappointing about the 0 % interest is from the date of opening the account and not activating, but I 'm upset about being told the wrong information about the XXXX reward points ( the whole reason I got this card ). If nothing can be done, then I might as well just close this account.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX  has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.

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 01/29/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I obtained a XXXX Credit Card and was adived that it would be interest free for 12 months. I made regular on time payments throughout the 12 months with no issue. I received notice that my payment was late in XXXX, only to look up my online account to learn that I had been charged over {$3000.00} in interest and that my minimum payment was now {$450.00}! I contacted the company and received correspondence back stating they could do nothing. I contacted them again and advised that I would pay the total owed without the additional interest if they could assist. They stated they would not due to the time that had passed. They stated that because 20 days had passed nothing could be done. I explained that I reached out to them via email to request assistance when the charge initially showed up, when the employee looked in records it stated that they could not get back to me because I was not enrolled in a portal. 
This is a disgusting misuse of power by XXXX. They should be ashamed of themselves.

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 12/21/2016 about Debt collection (Credit card) with DISCOVER BANK (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Discover has called me 11 times in the last 4 days, and they continue to call me, and are calling me on the weekend and all hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Dovenmuehle Mortgage, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our house on XXXX XXXX, 2015. Escrow check never came. Called end of XXXX. Said they did not have address. Checks do not get forwarded. Sent letter with new address ( By the way though XXXX they should have all our information ). Still do n't receive check by XXXX XXXX. Call again. Will send 2 day mail after I complain. Send 2 day mail to old address! Get check and call to make sure I can cash. Dovenmuehle says yes. Cash check in XXXX account. Receive another newer check from mortgage company. XXXX gets returned notice check and charges account. Call Dovenmuehle and explain situation. Also ask for escrow accounting. Never give me {$5.00} service charge back for returned check. Do n't provide escrow accounting. Not the money but the principle of matter. They sat on over {$3000.00} of escrow funds and never attempted to get in touch with us. We have all our banking and insurance through XXXX. Totally disappointed with everyone I dealt with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me.

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 02/23/2017 about Debt collection (Payday loan) with Real Time Resolutions, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have called Family members telling them that there are going to file a compliant against XXXX XXXX unless they get in contact with him. When tried to call goes to full mailbox. Told not to call when contacted thru multiple numbers continue to threaten!!! This is Real time collections

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted each credit company at least 4 times and provided all of the proof that I have to verify my address as well as to make them aware that someone has been using my identity. I lost my phone which was in a carry case that included my Id, social and debit card. I canceled my card and replace the other items. I was not aware that my identity was being used until I received a statement from XXXX. I had never applied for an account with this bank. I called as soon as I got the statement and told them the account was fraudulent and they closed the account while I was on the call. From there I ordered a report only to discover countless inquires as well as a pay day loan that was not authorized by me. This has been a stressful process and I 'm trying my best to fix this situation. I keep getting the run around.

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 03-07-2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (CA).
Issue: Managing the loan or lease

Complaint: I opened this account in 2014 and if you look at they pay history the application of payments is always inconsistent although I have been paying late they are abusive threatening and once I make two or three payments they balance goes up not down.

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 05-02-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Under credit inquiries both XXXX and Equifax are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Every company whom pulls my credit report sees that I have XXXX Credit Score. Upon examining my credit report for XXXX, I see that there are XXXX different names on my credit report, XXXX being XXXX XXXX and XXXX being XXXX XXXX XXXX. The companies are getting the report for XXXX XXXX, but the entirety of my credit history exists under XXXX XXXX XXXX. I keep getting declined for EVERYTHING I APPLY FOR based off of my SUPPOSEDLY nonexistent credit score that your companies are misrepresenting to them. I am utterly outraged and will be seeking legal action against the credit reporting bureaus if nothing is done to have this problem corrected in your system. As if this has not caused me enough problems already, I spent XXXX $ and applied for a rental home a few days ago and was DENIED because of a N/A Credit Score. I ca n't believe no one has noticed this fatal error!

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 09-07-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Privacy

Complaint: I applied for a credit card with XXXX XXXX XXXX store and the application is through Synchrony Financial. Upon reading the items that I am agreeing to on the application, the first one reads : " I am providing the information in this application to SYNCB and to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ). I also provide my consent for SNYCB to provide information about me ( even if my application is declined ) to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ) so that they can create and update their records, and provide me with service and special offers. '' There is no way to opt out of this and basically, a condition of the credit application forces me to allow them to market my personal information to outside companies. I do not want to allow them to do this, but then I would not be signing the agreement and unable to obtain credit. I do not believe it is fair for this company to require me to allow them to market out my personal information as a condition of applying for credit. I would like this matter investigated. A copy of the application is attached.

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