milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: About two years ago I applied for dept relief program with company named XXXX. They resolved most of my credit card accounts. Recently I found my self at dead end as I received multiple advertisement letters in my mail from different attorney offices offering me legal help and stating that I 'm being sued by Citi Bank. I contacted Citi Bank and they told me that Citi Bank does n't own this bank account anymore and I need to contact the attorney that is handling this account. I was given attorneys phone number. I contacted the attorney and they did n't give me any information. They said that Dept relief program is handling this case. I called XXXX then, and they said there is nothing they can do about it, they have not received any correspondence from the attorney. In order for XXXX to take any action, they need to hear from the attorney first. So here I am in a closed circle.Bank does n't give me any information, attorney does n't give any information and XXXX ca n't do anything about it. I do n't know who is saying the truth and how do I need to handle this. I did not receive one single letter from the bank offering any options of repayment and here I am being sued.

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 01/23/2018 about Debt collection (Credit card debt) with Tate and Kirlin Assoc (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I wrotXXXX XXXX XXXX XXXX XXXX a debt verification letter and stated that any communications from that day forward to me is to be done by mail only. This company is still trying to communicate with me by phone instead of mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a {$57000.00} auto loan, on my credit report from XXXX XXXX. I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX XXXX  and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Mortgage debt) with UNITED GUARANTY CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon the sale of my home, I received letters from XXXX XXXX XXXX XXXX months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX has not shown proof that this debt is owed. 

Finally, XXXX XXXX continues to harass me with 5-10 time per day to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XXXX, this credit reporting company would comply to the settlement. According to this link : https XXXX XXXX An copy of the settlement was published in this link publicly : https : XXXX XXXX  XXXX % XXXX % XXXX % XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX XXXX XXXX and bank are misleading and fraudulent. I was out of work for a total of 3 months in the transition of changing employment. I fell behind on payments and on numerous occasions called to ask for smaller payments or a payment arrangement. I was told " No, unfortunately we do n't offer any such program ''. 
Once I began working for my new employer, I made several other attempts in which I was again, denied payment arrangements to catch up with my account. The account was opened in XXXX and remained in good standing until this incident in XXXX. Furthermore, I finally spoke with a representative about 3 months later who offered a 12 month program. Very similar to the one I inquired about yet was always turned down. He set me up on monthly payments. However, little did I know that I would need to consistently chase XXXX XXXX XXXX once again, to ACTUALLY deduct these payments. After escalating the matter, A payment arrangement was finally scheduled for 12 months beginning XXXX XXXX XXXX XXXX. I received a notice in XXXX XXXX stating that my account will soon resume back to normal status once the plan completed in XXXX XXXX. 

Here we are, in XXXX XXXX and I have n't received any other notices from XXXX  XXXX XXXX so I decided to call. I 'm also NOT ALLOWED To log into my account or event view any statement information since initially having the issue one year ago. I stated to the representative that I would like to continue making payments however, she notified me that my account has been closed since XXXX XXXX. This is outrageous! No one has mentioned, or disclosed this and I was notified that my account would resume normal status as of XXXX XXXX. They also failed to mail any letter or memo indicating this. 

The representative then told me that I would continue to not have access to any of my information online. However, they also discontinued sending me statements so I 'm blindy making payments and they refuse to disclose my balance, payments and any other charges they may be adding. 

Please assist with this type of credit card bullying. They took me for a ride this past year and now they refuse to disclose my information per my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with AFNI INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AfNI / collections account ... I asked several times for proof and I still have not got an answer showing proof its mine. I 've asked for it to be removed and they still have n't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After obtaining a HAMP modification, I enrolled my account in EFT payments. When I set this up XX/XX/XXXX, I was told that I had to make my regular payment XX/XX/XXXX. I initiated my regular mortgage payment on XXXX XXXX, and the company went and drafted another mortgage payment on XXXX XXXX, despite them advising that they would not be deducting a payment from my account. It took 10 days and a lot of running around for Ocwen to refund the additional payment. During the refund process, I asked them to cancel the EFT since I had received too many differing stories regarding the refund. They confirmed that my account was unenrolled in their EFT program. 
On XXXX XXXX, XXXX, I initiated my regular mortgage payment which was successfully processed from my account. Ocwen went and drafted another payment from my checking account on XXXX XXXX, 2015. I immediately noticed their error and contacted them on a daily basis to request yet another refund. They told me that the refund was issued on via wire transfer on XXXX XXXX, the funds were not received into my account until today, XXXX XXXX, 2015. The newest problem is that they have over-refunded me and are now calling my loan late and applying a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a payment to PennyMac to bring my escrow account into the positive after my year-end review. The payment was sent with a note specifically stating that the money was to be directed towards the escrow and not as a regular monthly payment. I sent a message through their online portal to address the issue on XX/XX/XXXX. However, I have received no follow up from PennyMac and I do not wish to communicate over the phone as I have done that in the past and been told the wrong information, which I could not prove since there was no 'record ' of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Home equity loan or line of credit) with NAVY FEDERAL CREDIT UNION (AP).
Issue: Loan modification,collection,foreclosure

Complaint: From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor XXXX. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX member is serving his country XXXX and I have to tell him this disappointing news.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Today and yesterday can not contact Equifax to freeze account for their data breach. I have trained multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Still waiting on bank to open 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 09/21/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I have a student loan with SallieMae. They keep giving me harassing phone calls. When I tried to make a resolution with them, they did not want to work one out for me. I explained to them that I am having a financial hardship at the moment, since my apartment was broken into two times. But, they did not want to hear it. Please advise or help me regarding this situation. Thank you. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: {$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (MO).
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 had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Vehicle loan) with Whetstone Partners, LLC (FL).
Issue: Managing the loan or lease

Complaint: A former room mate of mine put me as a personal reference on a loan for a company called " XXXX XXXX XXXX. '' It 's been over two years since he 's moved out and I do n't even know his phone number. I have told them this repeatedly and they call every two or three weeks asking me if I know where he is. They have been doing this for over a year now. They keep telling me the same thing, that he put me down as a reference. I never signed anything or even knew of this company until they started calling. I have blocked their calls on my phone but they still leave voice mails constantly.

Company response to consumer: Untimely response
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I checked my credit on XXXX and realized there was a derogatory mark on there. It is from XXXX XXXX XXXX and the collections agency is IC System. There are two separate accounts that have been opened in my name that I have not opened. The first account was opened XX/XX/XXXX and the second account opened XX/XX/XXXX. I received a copy of the signed agreements and they are both signed in my name but it is not my signature. I have never owned cats or stepped foot into a XXXX XXXX XXXX. I have contacted both the collections agency and the pet hospital. The pet hospital told me to contact the credit bureau. Apparently from the explanation at the pet hospital, a wellness agreement was signed so that they could direct debit monthly from the persons bank account. Since the bank account information had to be obtained for the person to sign the agreement, it does not make sense how they could put it on my credit report when it is not from my bank 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 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My request for a free credit report from Experian was denied online.

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 11/23/2016 about Consumer Loan (Pawn loan) with JPMORGAN CHASE & CO. (MI).
Issue: Applied for loan/did not receive money

Complaint: We bought a condo in texas-needed a line of credit to pay for condo while the other XXXX sells ( need money for XXXX-90 days ) Were told it would take 45 days. Problem is we made a purchase of the new condo being told we would be able to get $ XXXXtowards purchase. We went ahead gave all our information as needed-as we proceeded they continue to ask for more and more information repeating much of the same questions- They also kept lowering how much money they would loan ( from {$300000.00} to {$200000.00} to {$170000.00} and finally {$60000.00} ) We had to constantly call them because most of the time they would not call us back as they said they would. Now just to let you know we have excellent credit XXXX homes paid for worth {$750000.00} and investment of over {>= $1,000,000} we explained we only needed the funds for a short period of time not a mortgage - we felt we were being avoided. We had {$2700.00} dollars on the line and no commitment, thank XXXX we were able to obtain a line of credit against our investments otherwise we would have lost the deal and our money We have several accounts with Chase bank that is why we went to them and am sorry we did. I would not recommend them to anyone and furthermore question further use of their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX ..they called and were asked to stop calling. They call multiple times per day. We have a max of 25 numbers we can block with our phone company and they are still getting through. They are relentless. This has been going on for 6 months or more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XXXX/XXXX/2017 I opened the US Bank XXXX XXXX card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it twice, one is for a computer purchase on XXXX with the amount of {$4700.00}. And on XXXX, I used it to pay for the tax/fee of 2 airline tickets, which is {$5.00} each. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash  equivalents ''. I only have these 3 charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a CFPB or BBB complaint if you want '', sound like US Bank does not care at all.

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 09/22/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other fee

Complaint: On multiple occasions over the years, I have fully paid off a balance on my Macy 's store credit card a few weeks before the payment due date. I still receive a bill the following month for {$2.00} listed as a minimum interest Charge, but the detail lists the interest charge as {$0.00} with the {$2.00} listed under fees. There should be no interest charge on an account that has been paid in full prior to the payment due date. No other credit card I have has ever had any fee after the full balance was paid off.

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