milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Closing/Cancelling account

Complaint: Sears Credit Department/Citi Bank adversely closed my credit card account while I 'm a victim of identity theft and then hung up in my face while I was trying to explain that the credit report that they have pulled may not be accurate. I contacted Sears Credit Dept and explained that I have had all my credit reports frozen because I 've been a victim of identity theft. That in the past I 've had trouble with the viewing of my credit report because it has been frozen by all the credit bureaus. I asked about the credit report pulled and I wanted to make sure that it was an updated report because not an old report because I had my reports frozen. I asked to speak with a supervisor because the credit analyst explained that there was nothing that I could do even though I was a victim of identity theft. I spoke with the the supervisor where the supervisor explained that they do n't pull my credit report but a summary or snapshot of my credit report through XXXX. I then explained that when you pull a credit report it explains that Ive been a victim identity theft instead of just a summary of my credit which may or may not be accurate. She said its great that you 've had your credit reports frozen but you need to take the derogatory comments on your credit report with XXXX. I explained that I had never paid Sears late in spite of identity theft. As I explained to the supervisor that my account should n't be closed when I 've had my credit report frozen as a victim of identity theft I was then hung up on by the supervisor. The supervisor and the credit analyst had my telephone number in the event that the call was disconnected and to call me back if the wait was too long. However neither attempted to call me back. Sears/ Citi Bank does not have procedures in place when their customers are victims of identity theft and that they make adverse decisions regardless of whether their summary snap shot review is accurate or not. Had they pulled my credit report they would 've been aware that I was a victim of identity theft. I would like my credit card account re-opened. I 'm a person and unforeseen things happened but I 've never paid Sears/ Citi Bank late. I 've got a great pay history and have worked hard to try and keep that but does not matter to Sears/Citi Bank. Closing my account continues to hurt my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Auto) with CarFinance Capital LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.

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 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reached out to all parties associated with the UNAUTHORIZED inquires. The company states that is is the credit bureau who removes inquiries. I reached out Experian with no result and the worst customer service dept ever. Who has no knowledge on anything and can never provide you with a supervisor. These inquiries was ran without my knowledgement. These inquiries are not for any credit offer, insurance etc. The was done online according to the companies. There is company of and id or social security card or signatures.

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 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Diversified Consultants , Inc, XXXX XXXX at XXXX regarding an outstanding balance from XXXX XXXX XXXX. XXXX specifically communicated by our arrangement to settle the debt that XXXX XXXX XXXX would restore my account to good standing so I could restore any services with them nor require additional payment and no further collection or issues would exist. Well, that 's not the case. XXXX is not back tracking after I contacted her XXXX/XXXX/16 stating if XXXX XXXX XXXX wants to continue to collect the difference of the settlement or {$180.00} that is their prerogative. In addition to XXXX XXXX XXXX not allowing any new services they have now hired a new collector, XXXX XXXX XXXX , XXXX at XXXX. I have since spoke to XXXX 's manager, XXXX XXXX at XXXX who is stating XXXX XXXX XXXX can continue to collect. I explained to XXXX he then needs to pull the recorded conversation on file to validate my inquiry as valid and conclude I was mislead or lied to by XXXX. Having XXXX XXXX XXXX restore my account to good standing with no further payment was the reason I agreed to the arrangement and now it 's the one thing not happening not to mention more collection notices from the new Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Loan servicing, payments, escrow account

Complaint: In paying my mortgage, when I make payments ahead say on the first of the month, and then another payment on the XXXX of the month, and another on the XXXX of that same month- they charge the full amount of interest each time even though it is 2 or three months ahead of the scheduled payment. I also found out that this is almost an interest only loan, which I definitely did not want. They also say there is no prepayment penalty, but I am only allowed to make payments 3 months ahead?? When I tried to refinance with bank of America a couple of years ago, the loan officer I spoke with said he was very sorry and could not help me. He did not understand why anyone would put me in that type of loan??? 
They also were checking my credit if not every day, every other, which adversely affected my credit score, and made it so I could not refinance. I started out with an ARM with Bank of America and in 2010, I was ill with XXXX XXXX, and missed a lot of work and when the first increase hit, my payment jumped up so high, I was having difficulty making the payments. I called them after a couple of months and asked what I could do, they put me in touch with the home retention team which said they could help. Then when I tried to make my monthly payment, I called in to customer service or tried to log in, it automatically transferred me to the home retention team. So no one there answered the phone, I had to leave a message and someone would call back. Well, I live in Alaska and work M-F, I am not allowed to make or take phone calls at work. 
So they would call and leave me a message and the payment would not be made. This went on for months. They were also adding interest back onto my mortgage every month making my mortgage much larger than when I started, and also reporting me to the credit bureau. By now my credit is very poor from them checking my credit all the time, and from me not being able to make payments.So when the home retention team finally finished, I was in a very bad situation. Then in the midst of all that, my husband passed away. I am caught up now, even ahead, but my interest rate is now at 7.6 % and I need to refinance, but am having difficulty. I hope you can help me out.

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 10/16/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Quicken Loans approved my loan on XXXX XXXX, 2017 and the process has put me and my family in a catastrophic position. The process went on in excess of 120 days, during which time there were request for the same information ; 3 requests for Transcript for Tax Return, 3 Re-disclosure packages,4 requests for information on the same debt. My loan balance was {$77000.00} and the property was appraised at {$160000.00} by Quicken. Although I was advised the average period to close a loan was 25-30 days my wife and I continued to be asked to provide payoff information on 4 debts included in the refinance. After 90 days of the loan process, I was garnished for one debt to be included in the refinance leaving me unable to make the {$1900.00} mortgage payment which caused my credit score to fall below XXXX 's acceptance. Quicken refunded the {$500.00} fee they charged, however the promises of a reduced mortgage of {$900.00} per month and {$15000.00} cash back have cost me over {$29000.00} in losses in the first year. Their inefficiency has me behind on my mortgage, garnishment costing me {$800.00} per month and a total lack of faith in any organization Quicken is involved with

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: XXXX XXXX, XXXX I filed a Chapter XXXX Bankruptcy. My mortgage holder, XXXX XXXX XXXX held two mortgages for me. The mortgage company has since reported the loan as closed effective XXXX/XXXX/XXXX of which it was not closed. I have continued to make payments on those loans, and lived in the home until XXXX/XXXX/XXXX when I sold the home. The home closed and I officially moved out XXXX/XXXX/XXXX. 

The issue is the mortgage company will not update the records to reflect the payments made since XXXX nor the closing and sale of the house in XXXX. I have disputed the information numerous times with Transunion and continue to get updates that are inaccurate. I have called numerous times also with no resolve only excuses. 

I simply want the record to show that the home was actually sold and paid in full in XXXX not XXXX. Both XXXX and XXXX are showing the home as paid in full. 

Transunion will not allow me to upload information. They continue to require me to mail information which they 1. either never receive, or 2 never bother to process. I have been arguing with them for 2 years now over the errors on my account without resolve.

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 04/13/2016 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, XXXX, XXXX sold my HELOC to Green Tree. Starting in XXXX, XXXX, I have had nothing but trouble with them. First, they told me I 'd missed the first payment and that I had a balance from XXXX that was sent over with my account. A manager at XXXX ( I wish I could remember his name ) had me on the phone while he tried to call management at XXXX XXXX to tell them that, in fact, I did not have a balance. All XXXX times, he got voicemail, all XXXX messages went unanswered. 

Over the years, GT has said I am in arrears, they have charged me a small fortune in late fees, that I do NOT owe, charged me for some Corporate fee they say was sent over from XXXX. XXXX reversed that charge in XXXX. 

About a month ago I get a veiled threat on my monthly statement that if I do n't pay up, they can exercise their right and seize my property ... over less than {$700.00} that I do not owe! 

A few weeks ago I called, again, to dispute these charges. I spoke with XXXX in the collections department. I kept insisting I do not owe this money. At THAT time, I told her I pay, and have paid, this account in the same fashion, on the same date, since its inception. She stated that I was fine until XXXX XXXX. When I asked what happened in XXXX of XXXX, she could n't tell me! 

When I called again a couple of weeks ago, I spoke with her, again. She stated that I missed the XXXX XXXX payment and made a double payment in XXXX. She stated I also missed XXXX XXXX payment but did n't catch up. I have my Bill Pay records to prove differently. All payments have been made, on time, to Green Tree. All the while they have been telling me, and charging me, I am a month in arrears. 

Today I sent certified letters to both of their locations in XXXX and XXXX. I enclosed copies of my Bill Pay records and the statement from XXXX that the {$40.00} fee had been reversed. I told them I expect a corrected statement of my account within 10 business days of receipt of my letter. 

I do not have great faith these sleazy crooks are going to back off any time soon. I did some further research and found that you, and the XXXX, took them to task and in XXXX of this year, they were fined and guidelines they are to follow, laid out. 

I am here to tell you, they are still practicing their dishonest protocol and I am reaching out to you for support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: On XXXX XXXX 2015, I received a letter from the XXXX XXXX XXXX XXXX stating that my personal information had been compromised in a cyberattack. As a preventative measure, I placed security freezes on my credit reports at all XXXX agencies around the date of XXXX XXXX 2015. I checked my credit score at TransUnion online, the last credit reporting agency on my list. In a hurry to complete my list, I accidentally signed up for a " credit lock product '' on the TransUnion website. It was unclear until a month later as I was reviewing my credit card statement that this monitoring service cost $ XXXX/mo. Attempting to turn off the service via the their phone help line and online terminals was unnecessarily complicated, taking no less than an hour and a half of my time on the phone after several failed attempts to cancel the service online. After that, I was instructed to call the automated security freeze phone line to place a security freeze on my credit report. Again, I tried via their online terminal and automated security freeze line to place a security freeze on my credit report, I was unsuccessful after repeated attempts. Shortly thereafter, I wrote the TransUnion fraud department a letter ( see attached ), requesting a freeze be placed on my account and furnishing all the information necessary to do so. They sent a form letter and a " security freeze request form '' in response, which I am filling out and returning today. In comparison to my experience with the other credit reporting agencies, the process I endured attempting to place a security freeze on my credit report with TransUnion was downright onerous. Their customer service was n't helpful. Their description of their " credit lock product '' was unclear and misleading. The monitoring service was very difficult to cancel. Their website and automated help line failed with every attempt I made to place a freeze on my report. It was nothing short of a great, big hassle and six weeks later, I still have not achieved my relatively simple goal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over the last two day I have received 15 calls from Ally Financial. I work night shift and the times that they call I am sleeping and they do not leave a message. They call just about every hour on the hour. I have previously talked to them back in 2017 about the obsessive calling and not leaving messages

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 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I was behind on my credit card, I say at least a month or two. I ended up paying it off then the company said my account was closed but I 'm still receiving payments I need to make.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 I applied for a Citibank Citi Gold Account over the telephone. During the process, I provided a promo code that I received that would award me XXXX XXXX XXXX once certain requirements were met at a specific time. I was informed by the Citibank agent that I qualified for the promotion and that once I completed the requirements, I would get the XXXX XXXX. I 've aleady met the requirements. However, Citibank is denying me the miles as they now claim that I was not " targetted. '' I understand that Citibank records all conversations and that my application over the phone was indeed recorded. I went ahead and opened such account with the promise that I will be awarded miles once I completed their requirements. I did my part, now is up to Citibank to do theirs and honor what they said.

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 10/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: In XXXX I opened a XXXX credit card account with Capital One under the condition that I will not be personally responsible for that credit card in any way. In XXXX, Capital One decided to report their small XXXX accounts to the consumer credit reporting agencies in violation of our agreement a year earlier. I have requested several times that they remove any reporting that has been made on my personal credit, but they continually keep reporting it. I have requested several times from Capital One to provide me with documentation showing that I authorized myself to be obligated to pay for the XXXX credit card or personally guarantee it, They have refused to send me any documentation. I would like to resolve this issue and request that you investigate this matter. I can send you documentation supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: We were approved for a Repayment Plan in XXXX and sent the Acceptance Form on XXXX/XXXX/15. Our first payment was due on XXXX/XXXX/15 in the amount of {$1000.00} which we paid on XXXX/XXXX/15 via payment over the phone with a Chase Bank representative. We made the 2nd payment of {$1200.00} on XXXX/XXXX/15. On XXXX XXXX, 2015 we received an Acceleration Warning XXXX Notice of Intent to Foreclose XXXX letter in the mail. I contacted Chase and they stated that they Repayment Plan had been canceled as they had not received the Acceptance Form. I advised that we did sign that and fax it back to them. They stated that there was nothing that they could do and I would have to apply again. I requested to speak with a Supervisor, at this point I was transfered to XXXX XXXX who went over the same information with me and stated that she would see if they could reopen the Repayment Plan and asked me to fax the form that I had signed and sent to them in XXXX XXXX I refaxed this to them on XXXX/XXXX/15 ). I then received a call from XXXX on XXXX/XXXX/15 stating that she had discussed this with the managment in charge of the repayment plan and they stated that it could not be reopened and that we would need to go through the process again. XXXX also stated that the Acceptance Form that I had sent back was not the document that they were looking for, I advised her that this is the only document that I received that had to be sent back and had made the first 2 payments and when I made these payments via phone with their representatives nobody told me that they were missing another form. Obviously if I was making the payments I would have sent the document that they wanted back, therefore I must not have received it. I asked if I could have a copy of the document that was supposed to be signed and sent back. I was told that I could not have a copy of it. How can I validate that I did or did not receive the document if I do not know what it looks like??? I was asked if she could have her Manager call me back and I was advised that Managers do not call customer 's back and that I would have to be transferred to the Executive office ( I have talked with someone in the executive office in the past and they were not helpful at all ). They always place the duty onto someone else and it is a vicious cycle.

Company response to consumer: Closed with explanation