milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I went into Home Depot located a XXXX XXXX XXXX XXXX, Texas to purchase some home products. At the cash register, the cashier indicating that they had special promotion because of XXXX. She took my personal information ( drivers license & social security number ) but never indicated that she was submitting an credit card application. She told me that when I got home to just throw away my receipt. A few days later, I was surprised when I received a Home Depot credit card ( issued by Citibank N.A . ) in the mail. The cashier should have been clear that she was submitting an credit card application as this could negatively impact my credit score.

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 10/16/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home XX/XX/XXXX. Property taxes were high XXXX {$1800.00} XXXX because no one had occupied the home for about a year. Last month, I noticed that my mortgage payment with Freedom Mortgage drastically increased for the XXXX billing period. It went from {$820.00} to {$1000.00}. They said it was from property taxes. They had based their escrow analysis on last year 's property taxes, which were much higher than they are this year because I filed for the homestead exemption XX/XX/XXXX. Property taxes for this year are {$830.00}. I called and they stated to fax in the estimated taxes for this year. I went to XXXX XXXX tax assessor 's office and they gave me a print-out of the estimate and I faxed it in. I called about 2 weeks later checking on the status ( on XXXX XXXX ). They stated that the estimate was " incomplete '', so it could not be processed, even though it had all the necessary information regarding my home and taxes. By that time I had received the actual property tax bill, so I sent in the bill along with the form from my tax assessor 's office stating that I had filed for homestead last year. I explained to the representative that the extra cost on my mortgage payment was placing a financial hardship on my family. The representative stated that she could have the escrow waved for XXXX and would have that tax information expedited in order to get my taxes corrected ASAP. She stated that I could pay my normal payment for XXXX, which was {$810.00}. She took my payment over the phone. XX/XX/XXXX I called to check on the status. The representative stated that she could not see where the tax dept received any of my information ( basically nothing had been done XXXX. She stated she looked up the bill on XXXX XXXX tax department 's website and would put that on file and make sure it got the the tax department. She stated that Freedom Mortgage could not accept my payment made XX/XX/XXXX as a full payment, that I needed to pay the remainder of {$210.00} today for my loan to be current or else I would incur late fees. I made the payment over the phone XX/XX/XXXX. She stated that I would more than likely have to pay the {$1000.00} in XXXX as well. She stated there was no way around it. My complaint is that this should have been taken care of the first time when I sent in the property tax information that came directly from my tax assessor 's office. This is the third time that property taxes have been sent to the tax department, the first 2 times were unsuccessful ; I am hoping the third time 's the charm. I can not afford the extra {$210.00} tacked on to my mortgage payment for an error/carelessness on THEIR side. Every time I call I just wonder if something is actually going to be done or if I am going to find out in 2 weeks that nothing was taken care of. They are probably prolonging this so they can get more money from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Our daughter attended school, XX/XX/XXXX school year at the XXXX XXXX XXXX XXXX XXXX. We received a loan by XXXX XXXX for her schooling..she left after one year of schooling, where upon we called XXXX XXXX to pay off her loan. We were told that our balance was XXXX. We paid by check the amount of XXXX and received no correspondence that this account had been paid ... or that any balance was due. It was n't until XX/XX/XXXX that we received a note saying we owed interest on the loan. At that time we started writing letters and calling. but received no return correspondence. This has been going on for 9 years, every time we call, we get a new person and have to start all over again ... now we have received a litigation letter. We called and went through the whole story.. again.. and was told our money was split up between our loan and three other loans that belonged to our daughter. No one informed us that this is what had happened with our original loan. The only loan we and our daughter took out was with XXXX XXXX, us as a co-signer. When talking to Navient who took over the loan.. we were informed if they redirected all funds to pay off our loan ( that we should n't have now because it was paid off ) ... the three loans that our daughter supposedly has, will go into default, pending litigation. This is a lousy way to do business. We took out a loan for our daughter to go to school and in good faith, paid off our debt, to only be harassed by this company. We took out a loan with XXXX XXXX only, accrued XXXX, when we were done we talked with XXXX XXXX and they told us our balance was XXXX, which we paid with a check ( we have copies of the canc check ) Now we are told that {$22000.00} was applied to our co-signed loan with XXXX XXXX, the other {$8700.00} was applied to our daughters other 3 loans. This gave us a balance that was still due, that we did not know about, that has been accruing interest and has been detrimental to our credit, and our daughters. We are at our wits end ... this has been going on forever ... and it 's the government, so there 's no way to fight or get satisfaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: Seterus Inc , has failed to abide by the servicing guidelines in connection with the  HAMP  and Non-HAMP loss mitigation options by the Treasury department in connection and also failure to abide by the   XXXX   XXXX   XXXX   underwriting guidelines published on    XXXX   XXXX  .      On    XXXX   XXXX   XXXX  , Seterus Inc , denied our mortgage assistance request and claimed that we did failed to provide a " hardship '' letter. The record reveas that on    XXXX   XXXX   XXXX     , the hardship letter was provided. Therefore  Seterus Inc  have provided false information in connection with a  Federal Program  in order to acquire a denial.     Upon receipt of  Seterus  correspondence, we contacted the servicer and was told that no other information was needed because were in receipt of a full package and that the loan was sent to underwriting.     Following this conversation few days later, the servicer changed recounted their explanation for the denial and claimed that the application did not reflect the correct amount of the  S.S Income  provided. Seterus inc, claims that the application reflects the e S.S.  Income of {$360.00} and the bank statement reflects other amount.     We explained to the servicer that the application reflected the correct amount for the following reasons : 1. Only i    XXXX   XXXX    executed the note and not my husband   XXXX   XXXX     therefore my husband income has to be reflected under " contribution '' and not appropriate to be reflected on the S.S  Income.      My husband provide all applicable documents in connection with the treasury department guidelines, as well as evidence of contribution and well explained. The bank statement reflects the amo unt i receive of S.S Income w hich is exactly what i receive, while servicer claims that i did not provide the full amount.  Servicer i s playing stupid and claims that I receive {$650.00} of  S.S Income  and also {$360.00}. The record revelas that the {$650.00} is my husband  S.S Income and n ot mines. He furnished, bank statements to prove this and also explanation letter.   It is obvious that  Seterus  continues to act in bad faith in connection with a federal program.     Be advised that the servicer denied our previous mortgage assistance request, although we abided by the trial payments. On the second payment Seterus cancelled the loan modification claiming that we did not provided the " PMI '' amount. We made two payments pursuant to the amount reflected on the approval however they claim that we had to add the PMI our selves.  Seterus  filed a lawsuit after the denial which is what they really what had in mind all along.     Seterus has acted in bad faith and we request that they reopen the mortgage request.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Saw runs of my credit not authorized by me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunterwarfield has been sending letters that they took over a debt originally with XXXX XXXX for rent North Carolina. I never lived in North Carolina. They are trying to say I rented a home with them and that is not correct because I have proof that I lived in West Virginia and was still working daily in West Virginia when the alleged contract was signed. I have asked several times for verification and have not been provided the information. When I dispute, They remove it from my credit, and then put it back changing the balance from {$1200.00} to {$1200.00}. Making it seem like I have been paying on the debt when I havent because it isnt mine.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion through any appropriate method, such as patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver 's license number are cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data ( including immunization records ),  legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which is n't available as a default. It requires 2/3 one 's SSN plus last name and a waiver of class-action recourse in order to DETERMINE is one is affected by the breach. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I tired using my credit card today at XXXX to get a few groceries. Today is XXXX XXXX, 2017. My card declined so I called my credit card company and they said that I had closed my account about an hour ago  at XXXX XXXX eastern time. I never closed my account, so they filed a identity theft claim that will take 7-10 business days for me to get a call. They 're going to investigate if they can open my account again. I 'm confused on how they closed my account without my permission. I never even got notified that my account was closed until I tried buying something at XXXX. I do n't want this ruining my credit either since I 'm young and have worked hard for it to be a good number. I know the person who has my social security number that did this and they 've been trying to get credit cards in my name too. I had to freeze my credit reports so they could n't order anymore credit cards. I want to get justice and help other people he 's scamming as well.

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: My data was " potentially '' stolen as part of the recent Equifax security breach. 

I 'm also appalled that they try to trick you into signing up for " Identity Protection '', and waiving your legal rights to sue the ever-living XXXX out of them. 

If you use their website to check if your data was stolen, DO NOT SIGN UP FOR ANY SERVICES.
Request a 90 day fraud alert from any of the big three reporting companies, and do nothing else, unless you want to freeze your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was tried to re-finance with my XXXX new Toyota Prius with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and told I had been reported {$8400.00} in debt since XXXX, XXXX by Midland Funding LLC XXXX. 

I came from XXXX and lived in XXXX XXXX, XXXX XXXX in XXXX, XXXX and moved to XXXX, XXXX XXXX in XXXX, XXXX and had never owed or loaned to anyone when I was in XXXX and my previous credit limit was not allowed to owe or loan that much money when I came. 

I tried to call Midland Funding LLC XXXX XXXX XXXX and one of the Salesman told me he ca n't help me unless I hire him as personal agent or pay the full amount in order to get an answer how I owe the money of {$8400.00} with Midland Funding LLC XXXX. I also tried to get more information from him, but he just hang up my phone when I said I need to know the reason why I owed Midland Funding LLC XXXX before paying the money. 

Because of the debts in Credit Report system so I ca n't get the car loan with XXXX XXXX XXXX XXXX XXXX. I really need CFPB 's help to find out why I ca n't directly get those information from Midland Funding LLC XXXX company and why there are so many difficulties even though I am the innocent victim.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: This company called XXXX  have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance  department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (GA).
Issue: Struggling to pay mortgage

Complaint: Last Tuesday we recieved a call from a collections agent for Seterus. The representative was talking to my wife about letters we recieved that our account has fallen into foreclosure. We have been able to get our mortgage to just 30 days behind and have incurred and will pay huge penalties. In XXXX and XXXX will could not make the payment until the XXXX as the company I was working for had an internal hostile take over and commissions were frozen. This put us 45 days and right away we receive letters of impending foreclosure. This happened to us before and we had to borrow XXXX from my wife 's brother. As before the amount we owe includes hefty penalties. The reason for our struggle was a XXXX business that I owned and manage in 2016 was losing money. I was unable to take a check while we were trying to sell the business It would be worthless if the business was closed. In XXXX we forced to close the doors but found somebody to pay us just enough to pay down debt. I now have a stable job and we will make our payment Monday unless they tell us it wo n't make a difference as they will continue to move on the foreclosure. The person who called my wife talked to her as if she was a 5 year old. She told us to cut the off our cable like she had to do in the past. Very unprofessional and an example of how these debt collectors act. The last time the person told us to cut out our cell phones. Please help as you did in the past for me. If we pay Monday we are 30 days behind. All they want to do is force us to pay them there outrageous fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Money transfers (Domestic (US) money transfer) with CITIBANK, N.A. (NY).
Issue: Fraud or scam

Complaint: My wife ( XXXX XXXX ) and I were having e-mail communication with our lawyer XXXX XXXX, ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. # XXXX, XXXX , NY XXXX. XXXX ) ). At that time we were discussing bringing to him a check for deposit into an escrow account in order to secure a house purchase contract. Seamlessly and immediately after the deposit instructions, we got an e-mail allegedly from XXXX XXXX asking us to wire the money instead to -- Bank : XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Beneficiary : XXXX XXXX XXXX Co Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Account no : XXXX. 

Since we had been having smooth e-mail communication with our lawyer for days throughout this real estate transaction we felt comfortable complying with that request. Fortunately, fifteen minutes later, my wife saw our lawyer, XXXX XXXX, ( who she works for part time. ) He said that the request did n't come from him!!. Learning this, she went back to the bank ( Citibank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX ) as soon as she could to cancel the wire transfer. All this occurred within a half hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Balance transfer

Complaint: My Chase Card says that it has a balance transfer option. But I 've never been able to transfer a balance and in the XXXX to four years I 've had this card I have not been offered a balance transfer deal. I 'm not getting the full service of this card without the option to transfer a balance. I want to be able to do this, Chase needs to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a payday cash advance for smaller amount but was told the only fund loan in the amount of {$2500.00}. The representative told me that if I did not want that amount then I could give back a portion to lower my loan amount. I agreed and set up weekly automatic payments for an amount to goto principal. When I got the monthly statement I found it was going to the interest only. The following month I lost my job and asked that they no longer do automatic deduct from my bank account. They agreed and stop the withdrawals. However, each week I would get a call about making a payment. I was honest to say that as soon as I got a new job I would start payments again. The representative said they would note the account but might not stop the calls. I said I was would take the calls and keep them informed of my situation. Then the call stop coming. This week I received a call from a law firm that was trying to serve me because they are filing a civil suit for breach of contract and check bouncing. I told the firm I did not bounce any checks because I never wrote any checks. I also explained that I am looking for work and asked could I set up a payoff for after I get a tax refund in XXXX or XXXX. He was rude and said that they will be suing me so that they can garnish my wages when I do return to work. I do n't believe this is necessary and would be an embarrassment for my future employer to receive that type of paperwork.

Company response to consumer: Closed with explanation