milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: Hello, I signed up with Citi Executive Card because I was told it includes access to many Airport Lounges. However, after traveling to a few places in XXXX, I found out that the card is not accepted in those Airports. When I returned home, I called Citibank to cancel my card. I was told I will get {$450.00} annual fee credit back to my card since I was still within the 37 days allowed to cancel the card. Its been almost 3 months and I have yet to get the credit back. Every time I call, they tell me to wait a little longer. And now, no one asnwers from customer service. I am furious and this is unacceptable. I need my money returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (ID).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: In the wake of the Equifax data breach, I attempted to freeze my credit report with them using their web site. At the point in the process where the freeze was to execute, nothing happened, the site locked and never issued me a pin. When I return to the site, it only offers me options to remove a freeze but requires a pin to do so. 

I signed up for their credit monitoring service because a call center rep on the data breach response line told me that I could use that service to lock and unlock my report at will. When I log into that site, I get an error where it is supposed to show my lock or unlock status. 

I have sent numerous emails to their " contact us '' email address and have Case #  XXXX. Days have passed with no contact. I 've tried to call customer service but the phone has been busy for days. Today I got into their automated system and have been listening to their hold message for 90 minutes so far. 

My report may or may not be frozen at this time. I ca n't contact Equifax to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I have lived in my home for 23 years and have had an interest only with a 2nd mortgage after the last refi. Wells Fargo bought this mortgage from the refi lender over 10 years ago and I signed no papers. The process was just that I was paying this lender now you pay the mortgage to Wells Fargo and it is a 30 year interest only loan. Once I stated paying Wells Fargo I noticed the 2nd mortgage was now a credit line at interest only at 8.75 % interest. I thought this was odd. <P/>I recently got a notice from Wells Fargo that in XX/XX/XXXX the loan was going to increase .50 % and change to interest and principle. I am scared to death with this change and had no knowledge that my interest only loan would ever convert to an interest plus principle loan. <P/>I have had some major life events in the past 3 years that add a significant fear of loosing my house. My husband passed away in XX/XX/XXXX and in XX/XX/XXXX I lost my XXXX figure income job due to job elimination as their business was declining. I am XXXX years old and have secured employment but at 30 % income of what I was at before. I am making ends meet by taking on a roommate and my late husband 's social security. I am barely making on the current interest only % and will not be able to pay the ( I think - {$1600.00} ) increase. <P/>I want to work until I am XXXX and stay in this house so I can retire at the maximum social security. I have tried working with several brokers to do a refinance and distance myself from Wells Fargo based on the latest legal issues with this bank. I am concerned they do not care about any of their customers and will only take out their self inflicted losses at the expense of their other customers ( me for example ). <P/>I do not want to be forced out of my house. Is there anything you can do? No one explained to me that this interest only mortgage would ever convert to an interest and principle loan or I would have handle my investments over the years completely differently. Also quite awhile ago I got a notice Wells is requiring full payment of the credit line in XX/XX/XXXX that was a 2nd Mortgage. I never signed up for a credit line and have not used it that way. <P/>Is there anything you can do to help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft. Several accounts were opened and managed without my authorization. Once I was able to find out, I filed a police report, an identity theft affidavit, and several disputes explaining the situation, pursuant section 605 of the FCRA. In addition to that, I also submitted the same documents to these creditors to support my claim. Experian has failed to comply with section 611 of the FCRA by not properly investigating this account. I was a victim of identity theft, and I should n't have to be responsible for something I did not do.

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 09/20/2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: When entering my routing number from my checking account to pay my loan payment, I was off with one digit. I never received any email or correspondence saying the payment was n't received. Three months later, I applied for a used car loan and noticed that my credit score had dropped almost 200 points. I did the research and found the problem was with U.S. Bank. After contacting them, they were no help whatsoever. They said that I had 3, 30 day late strikes against me because the payment that I " thought '' I had made, was just moving to the following month, and so on. If I had not contacted them, I would be in a horrible position because they never even tried to let me know.

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 03-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing another complaint on behalf of my client. After my last complaint regarding the manner in which my client 's loan modification application was reviewed, XXXX different Wells Fargo representatives contacted me from the Executive Office ( XXXX and XXXX ). After speaking to them and my client I told them that my client wanted to forgo the loan modification review and instead be reviewed for a short sale. I asked XXXX if that was possible. She said it was but that the review had to be expedited. I agreed. I told her that we had secured an offer for the property and that we could send it over immediately. I stressed to her that because a sale date had been set for XXXX XXXX that it was IMPERATIVE that someone contact me ASAP to review the file. I told her I did not want to delay ONLY to be told that we were too close to the new Trustee Sale date. She assured me that the review would be expedited that and someone from the executive short sale department would be contacting me. It has been nearly a week and no one has contacted my office. My assistant calls Wells Fargo 3 times a day trying to get in touch with someone. We have not heard from XXXX or anyone else. Customer Service does not seem to know what is going on. I am concerned and believe that time is going to fly by until we are once again close to a sale date. As I was writing this my assistant just spoke to someone that said the offer is being reviewed but they have not asked for anything NOR do we have a representative to discuss the matter with. 
I have always worked well with Wells Fargo so I am VERY confused by this. We are trying to resolve this matter amicably and avoid a foreclosure sale. The offer that we received is a good offer especially considering the condition of the property. I do not know what value Wells Fargo has for the property but an INTERIOR BPO is needed. Trust me, Wells Fargo needs to get someone inside this home to check out what is going on. 
I am only resorting to communicating through the CFPB because Wells Fargo will not return our calls. 
I want to believe that Wells Fargo is working in good faith but the run around that we get from customer service tells me otherwise. I do not trust what is going on right now. My client is willing to do whatever it takes to resolve this matter FAST. 
I have a funny feeling that time is going to pass and I am going to be given some XXXX excuse. I am documenting all of our calls and attempts to work with Wells Fargo. 
Please have someone contact me ASAP at XXXX to discuss this situation. Time is of the essence.

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 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a loan with XXXX, I entered a forbearance agreement with XXXX and they sold the loan to penny mac. 3 days later, once the loan was transferred to penny mac they told me my only option was foreclosure or short sale. I explained to them i had a forbearance agreement but they said they had no record of it and would n't honor it. I have done a cfpb complaint on both companies and have proven there was a agreement and that penny mac committed fraud and unfair lending practices and I did a deed in leau because i was promised the late payments would be removed and i 'd owe nothing. when i did the deed in leau i cited the reason for hardship was that XXXX did n't honor the forbearance agreement. Had XXXX honored my agreement with XXXX I would n't of had late payments and would still own my house. I 've asked all XXXX credit reporting agencies to remove any information from XXXX but they refuse to do so. and i want a neutral party to investigate my situation fully. 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 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: My elderly Dad received a call from ( XXXX ) XXXX. The woman asked who he was and was looking for me. She made him very upset. I called the number back and the women stated that she was from the Company Harris and Harris and that I was being recorded. I asked what she wanted. She said I owe money to the XXXX. I had already worked the pay back with the XXXX office and told her that. She became very forceful and we both started arguing. I think this company is a scam from what I saw on the internet. I want them stopped if possible. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is called Portfolio Recovery and they keeps on calling me, I have never done business with this company, I have talked to them many times and they keep on asking for other people names and I tell them that this is not me, but they keep on call, they will call from other phone numbers as I am reporting and placing the complaints and the company names is the same as Portfolio Recovery, this company has been reported as scammers, please have them stop calling me, they will not respect my wishes and the Federal No Call List. 

Thank you for all your help and support with the issue and matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I disputed more than XXXX times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the XXXX guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. 
I discussed XXXX ( loan servicing manager ), XXXX ( insurance supervisor ), XXXX ... but they just sent me letter saying that they will purchase the expensive insurance {$730.00} and will pass it to me which is not fair and very frustrated. 
I also have XXXX more investment houses in the same complex ( XXXX HOA ) with other lenders such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX but they never complained the HOA insurance certificate and never request HO-6 to me since this is a investment rental house. HO-6 insurance is for the primary resident homeowner not for investment homeowner according to the insurance agent. Please contact my insurance agent at XXXX any further question. 
If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Federal student loan servicing) with ACS Education Services (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is serviced by ACS. XXXX will make three years in a row they have determined my income based repayment plan amount incorrectly. I am married filling jointly for my tax returns and my spouse has federal student loans. My spouse 's loans should be considered when determining my repayment amount for the year. ACS refuses to include my spouses loans in their initial determination. I have included my wife 's information on the IBR annual recalculation request. I have approved ACS to access her loan 's on the NSLDS website. But the initial recalculation is still incorrect. So I have had to resubmit the exact same application that I submitted initially. ACS will then do their job correctly and include my wife 's loan amount in their calculations. In XXXX an ACS agent # XXXX told me to pay my XXXX payment of {$43.00} for XXXX until ACS could correctly determine my loan payment for XXXX. In XXXX I receive an invoice for my new loan payment of {$62.00} plus a late payment fee of {$150.00}. ACS is threatening to add negative information to my credit report if I do n't pay the late fee. The only reason they received an insufficient payment is because of their own ineptitude. Is there anyway to switch loan providers?

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Debt collection (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, XXXX XXXX XXXX XXXX XXXX sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, XXXX XXXX XXXX XXXX XXXX did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Checking my credit report this year I see XXXX inquiries from Auto dealerships in Illinois I did not make ( I do not live in Il, and never have ), on my TransUnion report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 I previously received Email requests for test drives as well, and replied to them saying I did not make these requests, but continued to get them. <P/>I also received this email request to XXXXXXXXXXXX Hi XXXX , please click on the blue link below which will take you to our website. You can apply for the mortgage there. Make sure you select me as your loan officer and your information will be sent to me. <P/>Thank you, XXXX XXXX | Mortgage Loan Originator | XXXX # : XXXX XXXX XXXX XXXX | XXXX, MI XXXX Direct : XXXX XXXX | Fax : XXXX | XXXX XXXX XXXX XXXX # : XXXX Which is also fraudulent.

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 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems Inc ... Has just submitted a bill for payment of a XXXX Ticket Owed to the XXXX XXXX XXXX XXXX in Washington State, for ( {$230.00} ) This bill was fully paid using cashiers check # XXXX To : Transworld Systems Inc. ( {$200.00} ) Dated : XXXX. 

This is the second time the same bill has been submitted by the same company. ( Which is already paid ) XXXX they added another fee. 

This Violates their " Stipulated Order for permanent injunction and monetary judgment '' Signed with FTC XXXX/XXXX/2013, as a subsidiary of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: While enrolled at  XXXX   XXXX  it was my understanding that I only had subsidized and unsubsidized loan. When applying for a house last year it was brought to my attention that I had a private loan through FA-PEAKS showing on my credit report. This was news to me as I was unaware of any private loans for my schooling. I contacted FA-PEAKS and the were very unreasonable with their request as far as a repayment plan. The total loan amount was for {$9700.00} but they wanted at least {$4500.00} to even start a repayment plan. This seemed very fraudulent to me the more I spoke with the representative and the more I researched the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing a debt which is not mine for months that is showing in my credit report as XXXX account number XXXX. I have written to XXXX several times at the address provided in the report, which is XXXX XXXX XXXX XXXX, CA XXXX. It turns out that this is an incorrect address for XXXX and has not been valid for years. This has cost months of delay in this process and Experian will no longer take a dispute for one reason or another. And I can not clear this up with the creditor since Experian does not list a vaild address, which I believe is the responsiblity of both Experian and the alleged creditor to have valid contact information listed under the FCRA.

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 11/29/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I get approximately 8-10 calls a day not 3 mins goes by and they keep calling some calls from unknown number and other numbers appearing from out of state the numerous calling throughout the day is ridiculous and has reached harrasment morning afternoon day and night calling

Company response to consumer: Closed with explanation