milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I originally got a 30 year loan from XXXX XXXX XXXX on my home in XX/XX/XXXX. I refinanced several times, always through the same bank. When XXXX XXXX was bought out, they sold the loan to Citigroup mortgage. The last time I had refinanced was in XX/XX/XXXX. That loan as well as all the previous loans had a provision stating there was no penalty for prepayment and that any funds paid in addition to the monthly payment would be applied to the principal. Citigroup told me they sold the loan in XXXX XXXX. In an attempt to get more information about who they sold it to ( since the new lender has never sent me a bill or any information about who they were or where to send my payments ) I downloaded information from citigroup regarding my payment history. Citigroup has not used any excess funds to pay the principle. I did not agree to that change in the contract. That was a unilateral change by Citigroup after they were assigned the contract. If citigroup did it to me, I 'm sure they have done it to others. I am positive that my excess payments were to be applied to the principal because that was something I always made certain of with the bank and would check the contract. I never signed anything with citigroup. I had no choice in the assignment. Actually, I do not know if the loan was assigned to citigroup or if they were just servicing the loan, but either way their unilateral change in the contract seems to me to be a breach. And they did it without any notification or opportunity to change or refinance, etc. They appear to just hold the extra funds in some account that does n't credit my account or pay me any interest. They just keep the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PMT Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated hang up calls, usually with one minute between calls. There 's no person or recording on the other end of the call. I called them back and told them to stop contacting me and they are still calling me and hanging up.

Company response to consumer: Untimely response
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1 ) I called XXXX credit Reporting agency regarding My negative remark on my XXXX XXXX XXXX account. The negative remark was caused by my disputing a fraudulent charge on the account which caused my credit score to drop significantly. I provided my social security number, date of birth, address all correctly. I was not able to answer their security questions regarding my current account balances correctly so I they said they could not help me. I asked for a supervisor and told her that I could not start to even fathom how asking for a account balance that is perpetually changing is the only security questions they could come up with in order to help me. I had no issues with Trans Union in verifying my identity and was not asked ridiculous questions about account balances. How could anyone know the date at which they looked at an account balance in order to match up and pass their security questions. Also the fact that disputing fraudulent charges causes ones credit score to drop only encourages consumers to not report Fraud! 

2 ) My second complaint is regarding Trans Union Credit reporting agency.  I contacted Trans Union in regard to My XXXX XXXX ( XXXX XXXX ) account information and I disputed account information and the outcome was that Trans Union erased my XXXX XXXX account from ever having existed on my credit report. When I contacted them further they allege that the company XXXX XXXX ( XXXX XXXX ) stopped reporting. So I contacted XXXX XXXX and they stated that they have been reporting to Trans Union. So I went back and forth and even wrote letters to both XXXX XXXX ( XXXX XXXX ) and Trans Union with no explanation or any pleasant outcome. So I am filing these two complaints in hopes to attempt to rectify these situation and would appreciate some help and a response to these issues!

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing statement

Complaint: Capital One sent me an email telling me they had unenrolled me from paperless statements when I missed a payment. A couple of days later, they sent me an email stating " Thanks for enrolling in paperless statements. '' I did not re-enroll in paperless statements. Enrollment in paperless statements requires consent for purposes of XXXX, which I did not provide. Accordingly, Capital One is violating XXXX by enrolling me without my consent. Further, TILA does not permit creditors to condition delivery of periodic statements on paperless enrollment. As such, failure to send a paper statement in the absence of XXXX consent constitutes a violation of TILA 's periodic statement rules. I believe this issue is not unique to my account, and it is likely that many consumers were enrolled in paperless without their consent and have not been receiving statements properly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: My bank is supposed to have my back & help protect my money in dispute cases when refunds cant be worked out with the Merchant. 1 ) I did contact the merchant 2 ) I submitted my dispute to SunTrust for {$270.00} transaction 3 ) I sent the additional form for the 1st dispute. I have submitted a claim about this already but I am appealing their response as SunTrust is declining the dispute and not helping me. Its unfair and Suntrust keeps saying that I never sent them the form e-mailed with the confirmation which I did send How do I know if they received it? I assumed my dispute was being processed. I waited patiently until I noticed it suddenly disappeared from the claim center without any listed information on the SunTrust online banking page. Thats when I called support & they told me to re-send the affidavit.

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 04-08-2017 about Debt collection (Medical) with Collection Bureau Services, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in full by XXXX in 2011, which was the insurance held by the at-fault party of the auto accidentthat lead to my ambulance charges. I have attempted to dispute this debt with collection agency but they refuse to remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: Dear Sirs, I need your assistance after several attempts to have Transunion, XXXX, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with TransUnion, XXXX XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the information XX/XX/XXXX, XXXX. Hope you can be of assistance. <P/>Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I mailed a dispute request to Equifax on XXXX/XXXX/15, requesting some items to be investigated. I listed specific reasons as why they needed to be investigated. After not receiving the results back due to me moving, I contacted Equifax today and spoke with a young lady who advised me of the results. When it came to XXXX accounts she stated they came back as verified based on the name, date of birth, social and address. I asked her if they came back verified based on those factors, I never disputed the ownership of the accounts. Long story short, they did n't investigate the accounts per the reason I advised, for example, date opened is not correct, or balance is not correct, they simply had the company to confirm ownership of the account. I asked the person I was speaking with the reason they did n't correctly dispute the information according to what was sent on my initial correspondence, and her response was that it was handled by the mailing/disputes department and they just put in the wrong information. This was not done only on XXXX account but XXXX accounts. I asked to speak with a supervisor as her only remedy to this was to place it under dispute again, I advised her that was n't satisfactory as they failed to perform a proper investigation to begin with and demanded deletion. I also asked to speak with a supervisor. I was transferred to XXXX, who was in the disputes department, ( not a supervisor as I asked for ) who advised she was also not sure why it was not handled properly. The only resolution to the problem was to re-dispute the account. I requested to speak with a supervisor 2 more times before I was transferred to XXXX who stated she was the Floor Supervisor in the Disputes Department. She looked at the letter I sent and confirmed there was an error but could n't do anything except place the accounts under dispute again. Advised that was n't satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Payday loan, title loan, or personal loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: hello Today I was left a message at my cell voice mail to contact by XXXX XXXX at XXXX calling from law office due to non compliance I be serve with summit of complain by my local Sheriff at my local county .will demand court appearance? 
I call back the XXXX and spoke with XXXX XXXX who very rude will not answer my question on how the got my number .I ask for the law office name again but he refused to provide name. He also threat me to serve me at my work .He stated he was representing Ace Cash and I need to a pay my debt. I contact my local Ace cash at XXXX spoke with XXXX ; related the call and she advice to call XXXX or XXXX, I call XXXX an as I try to get information from agent she just wanted to know when I 'm going to paid my debt as i ask her about my call from XXXX XXXX she told me to stop interrupting and disconnected the call. 

We had multiple unforeseen family emergency 's and i have not been able to paid this debt but, feel i was not treated fair. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Federal student loan debt) with EOS Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This company, EOS CCA, has been calling my XXXX adult daughters and myself, all times of day and night, even before XXXX XXXX., harassing me about a bill that was 'charged off '' in XXXX. The amount was {$3600.00} at the time. It is for a financial aid overpayment in which the account should have been placed with my consolidated account with XXXX. EOS CCA is trying to collect {$6600.00} from me now. I made a couple payments on this account, but I was still in graduate school and was not working for a salary, which means I was interning. The State of California took my state refund that year toward this debt. When I began working, I contacted XXXX XXXX XXXX to begin making payments but was informed this account was charged off. I have been paying on my other student loans, through XXXX, for the past 2 1/2 years with no missed payments. I began getting calls from this collection agency about 2 months ago. They use threatening tactics, but they are calling my children and telling them my business about this matter. I want this stopped immediately and I want them to stop calling to threaten me about an account that has been closed and I no longer owe any money on. This is fraudulent collection practices, harassment, and elder abuse. I am not working because I am preparing for XXXX-XXXX XXXX and haven't worked since XX/XX/XXXX. I probably will return to work XX/XX/XXXX, but I fear they may try to attach my wages. I need to file my taxes but am afraid they will attempt to take my refunds for a debt that has been resolved. Although I receive XXXX, I am afraid they may try to attach this as well. I need your help with this matter immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: It is XXXX XXXX, 2015. I have not received the required XXXX from my mortgage lender, Seterus Inc . I have tried calling them multiple times, and was told the document was faxed to me on XXXX XXXX, XXXX XXXX, and in addition the document was also mailed to me on both days as well. The fax was not received. The fax is a dedicated line and all other incoming faxes have arrived without delay or issue. Each time I call I am told it will take 3-5 business days to fax the document, or 7-10 business days for the document to be mailed. I still have not received the document. Will the IRS understand that it 's not my fault when I ca n't file my taxes? I already had to request an extension ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 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: Credit inquiries on your report that you don't recognize

Complaint: I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX., XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took student loans out to help pay for college and my living expenses while attending college. Since I graduated, I have been on an income-based repayment plan. I have paid the amount due every month. My family has grown in size and it has been difficult to pay any more on my loans besides what was figured with the income-based plan. My loans have grown to almost {$20000.00} more then what I originally borrowed. I feel that this is extremely unfair because I was paying what has been expected of me. These loans have been in negative amortization almost the entire time I have been paying on them. I feel that this is predatory lending because I did not realize this would be allowed. I understood that I would have to pay back the amount I borrowed, plus some interest, but I thought that by making the payment that was expected of me that my loans would not grow this exponentially. I am so sick to think that I will owe so much more then I ever borrowed.

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 08-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXXDear Consumer Financial Protection Bureau ( CFPB ), On XXXX XXXX, 2015, I submitted an email requesting guidance regarding several issues which will be discussed later. On XXXX XXXX, 2015, I received the following response email : '' Thank you for contacting the Consumer Financial Protection Bureau. 

Please contact the CFPB 's Consumer Response team directly at XXXX, or go to the CFPB 's website at http : //www.consumerfinance.gov to ask questions, file a complaint, check the status of a complaint or obtain additional informations on the CFPB 's regulations or other matters. " Since, the CFPB is an independent bureau funded by the Federal Reserve, tasked with drafting and enforcing regulations for banks, equity markets, credit unions, debt collectors, mortgage lenders, and other entities offering financial goods and services. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

We are requesting assistance with respect to Trans Union. 

FACTS AND ISSUE ( S ) I. Trans UnionTransUnion Consumer RelationsXXXX XXXX, PA XXXXTRANSUNION FILE NUMBER XXXX dated XX/XX/2015XX/XX/XXXX, Dear TransUnion , I am in receipt of your response to my XXXX XXXX, 2015, request for deposed information. Your response was void of the information. If you are n't the proper venue even though you sent the information to us can you please provide us with the agency that can assist us and/or who oversees your operations? Regards, Courtesy copy of request to Consumer Financial Protection Bureau ( CFPB ). CFPB if you are n't the proper venue please forward my concerns. 
A. The duties and the legal requirements of Trans Union a credit reporting bureau is predicated on evidence and facts. We received a notice from Trans Union on XXXX 2015 and subsequently requested a credit report. The report had some unsubstantiated information so on XXXX XXXX, 2015, we requested deposed documents to support the unsubstantiated information. 
B. We are requesting your office to either contact Trans Union to obtain the requested deposed documents since they just ignore us or forward our concerns to the appropriate governing - body. 

Regards and if additional information is required please let me know, XXXX XXXX, XXXX. 
__________________________________________________________________

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation