milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Debt collection (Non-federal student loan) with CITIBANK, N.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service.

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 01/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have paid XXXX XXXX now Navient every month until recently when I became unemployed and my wife could no longer afford to make payments to them on my behalf due to medical bills. I called Navient several times to see if I could request a financial hardship. They proceeded to tell me there was nothing they could do. I would just have to make the payments. I receive approximately XXXX to XXXX calls per day from them requesting money. Are there any options that I can take as to keep my credit in tack, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: My home was foreclosed XXXX by Wells Fargo and I was not informed of the process. During my separation of nearly 10 years XXXX XXXX XXXX ),  My ex wife and kids resided in the home while I served abroad on XXXX XXXX. When I found out that my home was being foreclosed thru email, it was too late. No one at Wells Fargo would work with me without my ex wife 's signature. She was adamant about proceeding with the foreclosure and refused to answer calls or correspondence from the bank. I contacted wells fargo immediately in an attempt to extend my time and save my property ( due to short notice ) but it was already too late. I 'm not sure when my ex wife received the initial notification that the home was in the foreclosure process, but when I found out there was not enough time to do a short sale or modification. To this day, I do n't have any information on when it began, when the home was officially foreclosed and how this happened so quickly. Wells Fargo conducted their own investigation but I do n't trust them. The gentleman that I spoke with in Loss Mitigation took quite a few months to complete his internal investigation that resulted in no fault by the bank. I now have a foreclosure on my credit report due to this process and not able to purchase a new home with my VA 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 11-07-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had a rental advertised on XXXX.I had a person named XXXX XXXX apply to rent it.He gave me a XXXX XXXX check for {$1000.00} to hold it, he had an unlawful detainer on his record so I denied him rental.He then got a friend/employee of US Bank, my bank, to illegally access my US Bank account on two different dates, XXXX and XXXX XXXX, confirmed by my home bank manager, XXXX XXXX of US Bank XXXX , NV . The employee who illegally accessed my account is XXXX XXXX, XXXX branch of US Bank in XXXX XXXX, the employee/friend of XXXX XXXX, he gave the person off of XXXX my physical address off my personal checks, I confronted the employee directly and he lied to me about accessing my account, even though I already knew where and when he did and started sending me condescending, baiting emails when I told him how dishonest he is.Now the person off of XXXX is sending me threatening letters, stalking me etc.I am now putting my home up for sale and I am scared to death.This is multiple violations of the Ca. financial privacy act.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent multiple letters to TransUnion. I received a copy of my TransUnion credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. 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 09-06-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Both XXXX and Equifax report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by XXXX Bank then was transferred to JH Portfolio Debt Equities.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Garcadia Financial LLC (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Struggling to pay mortgage

Complaint: In late XX/XX/XXXXI started having problems handling the mortgage payments. I am a widow of a XXXX and a XXXX year old XXXX senior citizen. I am retired and do not make a lot of money. Between Social Security, VA XXXX Benefits and Government Retirement I am getting a gross amount of {$3900.00} a month. My mortgage payment is {$2000.00} with Wells Fargo Bank. I also have medical bills, food, home up keep and maintenance, Insurance, and utilities. I applied for a loan modification and Wells Fargo has been giving me the run around ever since. They stopped taking my payments and did not notify me of any liquidation options to resolve this issue. The keep saying that they need bank statements that I have already provided them with on numerous occasion. They told me they were waiting on me to send them a statement on why I did not finish the loan modification process and they even sent my case to a new employee to start the entire process over again. Lately the excuse is that my case is with the underwriters and they are waiting to hear back from them but the auction to sell the home is still on. I believe they have been running out time while trying to remove the house from the bankruptcy I filed in XXXX. I have no where else to go. I have had several people contact me from out of state claiming they could help litigate my case in court for a fee. My son told me that is a scam and stopped them before I signed anything and gave them any money. The auction is set for XX/XX/XXXX. Please help asap! 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 non-monetary relief
Consumer complaint received 11-01-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been rebuilding my credit for years and I raised my credit sore to XXXX where it has approx remained for the last year, I went to check my score recently to find it has dropped a 101 points overnight. a collection company ( Receivables performance Management ) put a collection/charge off on my credit report, stating I owe XXXX to ( XXXX XXXX ) I have never had XXXX XXXX in my life and have never had any type of dealings with XXXX XXXX. I checked into the collection agency and discovered I am not the only one with the exact same issue with this company the internet is littered with the same complaint as mine. the Better Business Bureau complaint/comment section has at least 50 complaints of the exact same claim with Receivables Performance Management saying they owe XXXX or XXXX, XXXX, XXXX ... when they have never had any dealings with them whatsoever. I have never received a letter or phone call from this collection company, this is either a mistake or they have just made up this claim in hopes I just pay to get it off my credit report. this debt is not mine it is either fraudulent or human error, I need this off my credit report.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Private information, including SSN was revealed by Equifax to third parties without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: {$600.00} online bill payment was made from bank to creditor on XXXX/XXXX/XXXX. Online bill payment check cleared bank on XXXX/XXXX/XXXX. Numerous phone calls were made to creditor to resolve matter, which included providing specific information regarding online bill payment details, including check #, date check cleared & bank info for which cleared check was deposited by creditor. These phone calls consumed hours of my time. Provisional credit was issued by creditor on XXXX/XXXX/XXXX, leading me to think matter was resolved. Provisional credit was reversed on XXXX/XXXX/XXXX ( reapplied to account ). Print-out of online bill payment & copy of cleared check XXXX front & back ) was faxed to creditor on 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 monetary relief
Consumer complaint received 06/16/2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It is about a year I am in the XXXX and have an account at XXXX XXXX XXXX. I also have a travel reward credit card, but when I wanted to get my credit report from Credit Karma, I was told they could not find my information, or there was a mistake in my information, but I am sure I did not make any mistake.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA).
Issue: Fraud or scam

Complaint: We have been trying to sell our motorcycle and we had someone respond to the add. They said they would send the money via XXXX, but they needed to have the bike shipped to them. They were paying for shipping. Then they sent us a text saying that the shipper was messing with them and they needed us to send the shipper {$1100.00} for the shipping fee and he would add this amount on the the price of the bike. So we did send a money gram. Then the next day same story, shipper messing with him and now they need {$1600.00} for insurance, and he would send us the money via XXXX. He wanted us to send another money gram. We went and sent the money, and then came home and sent the email from him to our XXXX account rep and asked if this was legit. They sent us an email back saying it was a scam. We promptly went back to Walmart and cancelled the {$1600.00} money gram. So we got our money back from that one. But the {$1100.00} is still gone. Now he is sending us an email stating it is from XXXX saying that he has reported us to the FBI as a scam. He is using XXXX email information and a shipping company called XXXX. We have tried to contact the shipping company via email, and the email comes back as non deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a continuation for case # XXXX # XXXXDiTech Financial, LLC f/k/a Green Tree Servicing - Account No. XXXXThis letter is regarding your response to my complaint. 
We requested a loan modification in writing. The owner of our loan provided no explanation as to why we did not qualify for a loan at the time of our request. Furthermore, they did not provide us with any other options besides payment deferrals, at the time of our request. We believe that the interest rate was predatory. 

Our account is actually overpaid. Attached are payments that were not posted in the documentation you provided. Each of these payments should be posted to our account. And interest for each of these should be credited at 12.99 % or the interest rate charged for the loan and compounded annually as they were not posted. 
In the previous response, you did not address the harassing phone calls neither did you provide an explanation for the miscellaneous charges or legal fees. 
The bankruptcy issued needs to be address also, I filed in XX/XX/XXXX and had a XXXX in XX/XX/XXXX. The balance on the account is NOT DECREASING. We did not have any payment deferrals during this time, we paid bankruptcy and regular payments to Green Tree during this time. As of today, the balance is XXXX, why is there not any payment being applied to the balance? We have had this loan for sixteen years, bankruptcy included arrears payments which should have brought the balance current to sixteen years. 
Insurance, I see that payments were applied to insurance in XX/XX/XXXX, XX/XX/XXXX, etc., We had home owners insurance with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, policy number XXXX, there should not have been anything applied to insurance during this time period. ( Attachment K, XXXX XXXX Policy ). There are transactions listed on your History Report were payments were credited to Insurance. 
As a loan service provider you have a responsibility to assist consumers when you see them financial distress and they should reach out to you. Those responsibilities carry over with each service provider and should be taken seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: I overdrafted my account at the ATM in order to pay a bill but immediately deposited cash back into the ATM in order to bring my account back over XXXX dollars in positive balance. SunTrust 's policy is to waive overdraft fees if they are covered in the same day. The next morning I woke up to see that SunTrust had charged me XXXX dollars in overdraft fees in order to bring my account overdrafted again. As I already deposited all my cash into the ATM, I ca n't do anything to bring the account back into the positive. When I called and talked to multiple supervisors and managers, they said they would lower the fee by XXXX dollars as a once-per-year courtesy but they could n't do anything else. They said if I deposited money into the ATM literally " minutes '' earlier I would have been charged nothing. I find this to be extremely predatory and a trap to keep me in debt so that they can keep racking up their exorbitant overdraft fees. As a new customer who recently joined SunTrust and linked my direct deposits with their bank account, I feel I have been treated deceptively and dishonestly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Payday loan) with CASHCALL, INC. (OH).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Misrepresentation. Threatening legal action when outsode statue of limitations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (TN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I visited XXXX 's in XXXX, Tennessee on XX/XX/2017. I tried to write a check for {$70.00}. I 've shipped at this store for years. The cashier told me my check was declined. I said there is no way. I work at the credit union the check is drawn on and there is money in that account. I 've never bounced a check in my life. I asked th cashier to run the check again and it was declined again. Another associate tried it again and still declined. I asked for the phone number and called Certegy Check Services. I spoke with a reo that said my check did n't meet the criteria but would n't tell me why. This was a huge embarrassment for me. I have excellent credit, long standing employment and lived at the same place for over 13 years. I would like an answer as to why my check was declined. It is pure discrimination and unfair. Something is very shady about that company.

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 10-01-2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my employer often, and asking for my " where Abouts '' They claim they are going to have me arrested, or sue me.

Company response to consumer: Closed with explanation