milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: On XXXX XXXX, 2015 morning, I received a phone call ( XXXX ) XXXX XXXX. He told me that he was an employee who works for government. He knew all my information such as my driver licence number, my address, how old I am, that made me believe that he is a government. He notified me that I was offered to get XXXX dollars due to I am on the way become XXXX and I had clean background, but I need to send him XXXX dollars for the service. On that day, he handed the phone call to another person ( XXXX XXXX ) and another phone number ( XXXX ) XXXX XXXX. XXXX told me I need to send her money by cash by XXXX within XXXX minutes. I sent her the money and also gave her my bank account number. After that she told me to wait for several times to get money. Until XXXX XXXX, 2015. I decided to close my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 contacted Equifax to remove XXXX from my credit report I sent over the letter from XXXX to have account deleted. Equifax never removed the account I request by fax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have a  Citi Aadvantage  credit card with  XXXX  active balance transfer accounts.   Offer #  XXXX  with 0 % interest unti l  XX/XX/XXXX a nd Offer #  XXXX  with 1.99 % interest until   XXXX  . I have been paying more than the minimum balance so that Offer #  XXXX  with 0 % interest would be paid in full by   XX/XX/XXXX  ;  however,  Citi  used the amount over the minimum balance and applied it to the 1.99 % balance which expires in    XX/XX/XXXX  .  I called Citi customer service at   XXXX   and spoke with  a man  ager na med  XXXX  who refused to work with me and said they were compliant with CFBP rules. I was not aware this would be the case and it is an unfair and most disadvantageous way to treat any consumer. When I first made the balance transfer, the paperwork stated that the amount would be charged 0 % until     XX/XX/XXXX  an d thereafter the balance would be subject to the regular 16.75 %.  Tye  are forcing me to pay the higher 16.75 % on a balance of over {$4000.00} which I have already sent them payment for but they applied to a newer balance.     Does n't this practice go against the CARD act? 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 explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am filing a complaint in regards to the recent Equifax security breach -- according to the Equifax impact inquiry site ( XXXX XXXX XXXX ), checking my information indicates a strong likelihood that I was impacted and that my information was compromised. 

Equifax did NOT contact me about their security breach, and took no measures to alert me about my information being compromised, despite having it on their record and having access to my contact information. Issuing a national press release is not an acceptable substitution.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/X/17 I received a notice in the mail for an alleged amount due of {$600.00} to XXXX. I have no idea what this is. Per FCRA, please provide validation of this alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with United Debt Holdings, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Several friends and family contacted me that a company called XXXX at XXXX used illegal phone tactics. In particular a person identifying herself as XXXX XXXX, like telling them they have a file ( # XXXX ) and they needed to talk to the owner of the property I live in regarding a legal issue against me. I have at least 3 people who corroborate XXXX XXXX tactics. When I called XXXX, she refused to provide any info such as their address, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX and XXXX XXXX, XXXX I was mailed letters from XXXX XXXX describing a balance due. Upon inspecting the letter it was discovered that rather than my name in the letter window, my entire social security number was listed on both letters received. Upon opening the letters it was discovered that my entire social security number was listed on the document. I reached out to XXXX XXXX when the letters were opened on XXXX XXXX and spoke to the customer care supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter addressed to my ex-husband at my current home address asking him for a settlement on a debt. We have been divorced for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 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 numerous requests to investigate and remove 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 01/28/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to Seterus Loan Servicing in XX/XX/2016, I have received only one statement that does not give clear explanation how the payments applied or how fees added to account, I have requested my statements so far nothing. I just received a notice of debt dated XX/XX/2016 it 's very vague, the itemization amounts do n't match, it 's very vague, it has transferred balance {$280000.00} differed balance {$620.00}, current balance {$210000.00}, interest {$2400.00}, late fees {$160.00}, inspections {$30.00}, valuation cost {$85.00}, total current {$280000.00}. I sent them a letter for explanation so far I not received a response. If my current principal is {$210000.00} plus deferred {$620.00} the total balance owe should not be {$280000.00}. With that said I need them to honor the current balance and the deferred payment wish comes to a total of {$210000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MT).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX sold my second mortgage to Green Tree/Ditech financial while I was applying for a mortgage modification. Thus I was unable to have my second mortgage reduced or eliminated under Federal guidelines. Ditech, knowing this was the case has refused to negotiate in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (PA).
Issue: Managing the loan or lease

Complaint: I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. 
I strongly believe they are comitting predatory lending and fraud based on my above experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to sell my home on a short sale for 2 years.. I have had so many home specialists I cant count them. I have had 3 very good contracts on my home and Citi stalled so much all the buyers left.. I now have another contract on my home and Citi is requesting all kinds of information they already have.

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 12/20/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Had mortgage that sold and they wanted to refinance at lower rate, They never got around to the refinance and account was caught up, then it was sold again. My payments were not being pasted to my account but was put into an escrow account. My mortgage did not have an escrow account but they refuse to give me credit for my payments. They are trying to force us into refi at a much higher rate and keep increasing my payment .But they keep taking my money but not giving credit. THE NAME IS BAYVIEW LOAN, SERVICE, XXXX of XXXX, FL XXXX. PH XXXX. They do not answer the phone or written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to place a Credit Freeze with TransUnion this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be XXXX as half of the tax-paying citizens private credit files of the XXXX were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the XXXX and a profit center for the other XXXX credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their XXXX executives who excersized sizable stock options knowingly XXXX. 

My hope is that the XXXX takes a strong punitive stance on this issue.

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 11/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Trouble during payment process

Complaint: After making a balloon payment on my mortgage, I have reached the 78 % mark of the principal-to-original-home-value figure on my mortgage ( the LTV ratio ). I called Nation Star to get them to drop the PMI pursuant to their duties under the Homeowners ' Protection Act ( " HPA '' ). Despite this, Nation Star refuses to cancel my PMI, pointing to an ambiguous Notice which actually does NOT state that Nation Star will refuse to comply with the HPA by NOT auto-cancelling the PMI at the 78 % LTV mark. Having not contracted out of the HPA Protections, I hereby invoke them against Nation Star and demand that they cancel PMI on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called Comenity bank New york and company and gave them the opportunity to correct an error. I spoke to  XXXX  and she refused to remove a late payment that was recently reported for late payment in  XXXX    XXXX  . This is a violation of the  XXXX  bankruptcy code and my right under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Advertising and marketing

Complaint: American Express knowingly offered my XXXX son a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I am wanting to dispute this debt, and have it not reported to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Was called numerous times and was being threatened to be taken to court and have my wages garnished, because of these threats I signed a payment agreement so they would n't take me to court now I can no longer afford the payments I signed up for and am asking them to lower it they are stating they ca n't lower it because I signed a legal agreement

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 11-08-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with U.S. BANCORP (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: Opened a home equity line of credit w US Bank, upon trying to pay off and close out the loan, sell current property and purchase another property, the title company requires a freeze/block on the line of credit. US Bank has made it XXXX XXXX impossible to block/freeze the line. I have been on the phone w customer service every day since XXXX it is now XXXX and each time the agents tell you that it will be another two days, the process is a nightmare, no one will tell you their name, you get another name and another transfer- or get hung up on- it stems from the process the agent customer service XXXX and the XXXX back office not doing what they said they are going to do. I have spent XXXX on overnight packages, spent at least 20 hours on hold or on the phone with this and now two properties will not close if this is not rectified TODAY. ( 2 families will be HOMELESS all because of US Bank 's inability/ unwillingness to do what they say they are going to do ). As I type this I have been on hold for over 30 minutes- and have made 3 phone calls back to the manager who promised she 'd call me today to confirm- only to get voice mail! DO NOT use US BANK! the consumer is powerless. I was told by a manager yesterday after another day of waiting on the US bank process that I  would have a fax evidence of the block and she would call me to confirm this morning. I 'm being held hostage by agents, managers, XXXX back office and their process! I am concerned now that I am speaking to yet ANOTHER agent at least 10 so far that they will hit another button to push back the process again.

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 06/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have over {$130000.00} in student loans that are split about 50/50 between between private and federal. My private student loans are then broken down into 6 separate loans which all carry different loan amounts, interest rates and minimum payments. In order to keep my account current I set up a single monthly auto-debit from my bank account that 's allocated over each of the 6 loans every month. This is the payment structure that was recommended to me by Navient representatives. If I want to change my payment plan at any point I would need to do so for all 6 of my private loans again so that the payment would be enough to cover them all. The fact the loans are for different amounts and have different interest rates does not seem to matter to Navient when dealing with making payments. If at any point down the road the payments are not made, missed, or the amount is not enough to cover all the loans, Navient will list the default by individual loan turning one issue into 6 separate issues and absolutely destroy my credit in the process. My issue, in short, is the fact that Navient will view all their payment vehicles and loan programs as if all your private loans were one big loan ... .but they 'll view any sort of negative activity or adjustment as if the loans were all separate. I do n't understand why I 'm unable to consolidate my loans because I have poor credit ; my poor credit is being caused by trying to manage all the different student loans I have listed ; and everything I do right get 's me a single " pat on the back '' while everything I do wrong costs me 6 separate lashings.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Upon being denied for an apartment from my XXXX report, I Contacted XXXX immediately that to let them know I DID NOT authorize and had no knowledge of this apartment! I contacted the collection agency and XXXX and have been given no relief. I also placed a fraud alert on my credit reports. Per my investigation this company did not receive any authorization or identification from ME to lease an apartment to anyone for any reason. NATCRSYS {$1000.00} XXXX2014 NATCRSYS {$1200.00} XXXX/2014

Company response to consumer: Closed with explanation