milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XXXX XXXX, XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XXXX XXXX, XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

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 01/30/2018 about Debt collection (Credit card debt) with ERC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ).  They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: On multiple occasions, we have asked Citibank NA to close various personal and business accounts. Citibank has assessed fees and penalties on these inactive account which we have repeatedly asked to be closed. Citibank has at times said that they are going to report our failure to pay their fees and penalties to credit reporting agencies. The account ending in XXXX is now showing " XXXX OverdraftFee {$34.00} overdrawn '' and " XXXX FeeServiceCharge {$25.00} overdrawn '' On XXXX XXXX, 2016, we sent this letter in response to XXXX XXXX 's instructions on how to have the account formally closed. 

" Citibank NA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, Branch Manager Dear Citibank : We have called your number, the general number and posted messages through the website to reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ), ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us. 
We just learned that the account for XXXX has a " hold '' on it and no one at Citibank can close the account except you. 
We no longer live or have offices near the branch. Please reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us as soon as possible. 
If we do not receive confirmation from you today or tomorrow that the accounts have been closed and checks are on their way to us, we will contact appropriate Federal and State authorities. 
All check can be mailed to this address ( which address has been provided to Citibank online and in prior email ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, President, XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( a XXXX ( c ) ( XXXX ) non-profit ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLPHR Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and related Savings # XXXX and Money Market # XXXX " Is there anything you can do to have these accounts closed and to end Citibank , NA 's persistent demands on us for matters that should not be occurring? 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX and 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 non-monetary relief
Consumer complaint received 12-03-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: I want my lander to remove PMI from my mortgage, I already sent a written request to the lander but they dined.

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 02/24/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: well my concerns is about my credit I have problem with the capital one bank they send me to collection I open I count with capital one bank 2004 in XXXX uta they give me XXXX dollars for credit I never finish the pay after I closed my account I thinking capital one bank discriminate me inspector general I need help thank

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: I signed up for an account and added automated payments. The payments I setup were double the minimum amount. I have only received XXXX emails from this company since signing up but the payment continued to come out of my account. last week I received a email stating I owned over {$2000.00}. After doing my research I found out my promo was up in XXXX with less than {$500.00} left to payout. f I had not received anything from them until now. I called to try to get this straighten out and the customer service agent we rude and dismissive however they did inform me that another {$1700.00} was added to my {$500.00} and there was no way to go back and pay of the amount even though I had not been receiving any statements to know it had run out. I researched further only to find that this company is know for these types of antics. I have tried to work this out with XXXX different reps from this company and all of them were either rude or did n't care to help. There has to be some law against what they are doing to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: On XX/XX/XXXX, Equifax received my dispute about Bankruptcys on my credit file as being incorrect. As of XX/XX/XXXX, I still have not received the results of the dispute nor has the information been deleted. When I called Equifax, the supervisor named XXXX with employee ID XXXX, states the information was sent electronically to an old email address and refused to send it to a new email address on file. Equifax has also not removed old addresses or employers as requested in XX/XX/XXXX. XXXX advised me the information has been verified with the Bankruptcy court, which I know to be untrue because the courts do not verify this information by calling them over the phone which she indicated is how it was verified. Equifax has not followed the guidelines set forth by the FCPB.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding has continued to report inconsistent rention dates on multiple accounts, to the XXXX credit agencies. On account XXXX, they report to XXXX a retention date of XX/XX/XXXX -- XXXX XX/XX/XXXX -- no reporting on XXXX. Account XXXX they report to XXXX a rention date of XX/XX/XXXX -- no reporting to XXXX -- and a reporting of XX/XX/XXXX to XXXX. On account XXXX they do report to XXXX or XXXX -- to XXXX they report a rention date of XX/XX/XXXX. On account XXXX they do not report to XXXX & XXXX -- but report a rention date of XX/XX/XXXX. On these accounts, they do not report an original creditor or contact information for the original creditor. They have failed to report correct information on any account that they hold of mine. I have submitted numerous disputes with each credit agency, & they continue to verify each account with each agency, even though all information that they report is inconsistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I accessed a one time service from Experian for a credit report when applying for a credit card two years ago. Since then I have received emails from them and assumed this was junk mail. I never opened them nor have I used their online rating service since the initial check. I have not received paper billing from them. This week I checked my online bank balance and noticed a {$27.00} fee from Experian every month. I called my bank and they traced the charge back to at least XXXX 2015 - which is close to {$500.00}. The bank said they could not reverse the billings. I called Experian to cancel and file a complaint. They said that when I signed up for the initial service I was supposed to cancel after seven days and that this direction is clear on their website. I have no memory of this being clear ; I 'm very careful and have never had this problem with any other online service that I 've used. They offered to refund XXXX payment of {$27.00}. I have researched Experian complaints in online chat boards and have found that many people have had the same problem.

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 01-07-2016 about Debt collection (Payday loan) with Sullivan Asset Management, LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with XXXX XXXX a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his XXXX at XXXX XXXX and the true company Sullivan Assest Management has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his XXXX XXXX XXXX and refused to give his address or contact information. I was informed to call XXXX XXXX, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is Sullivan Asset Management and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about $ XXXX {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested for Equifax to remove about XXXX Hard Credit Inquiries of my report, which were not made by me, i have not received a response from Equifax, nor were the inquiries removed. I also have XXXX different XXXX accounts showing on my credit report, i have never had XXXX different accounts with them and they impact my credit in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with Alliant Capital Management LLC (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Repeated calls to family that I will be arrested in 24 hours. Threatening my family.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have lived in my home for 30 years and am in danger of losing it at auction due to the actions of my lender Caliber Loans. I have endured extraordinary hardship and have slowly rebuilt my life and situation. However, Caliber has refused to open a review of my current financial situation, has not assigned a case manager or dedicated contact and has told me the only options is to short sale or reinstate the loan in full, which is not possible. I do n't understand how they can refuse to even CONSIDER working with me or helping me or looking at my current financial situation, which has changed considerably since my last review. They received millions in bailout dollars, I thought they were supposed to look at my information and give me a chance. 

I refinanced into this loan in 2007. A little over a year later when my wife turned XXXX she decided to take off and go on the road as a XXXX, abandoning me and the kids. XXXX. There were long periods of unexplained absences and several months later I had divorce papers drafted. XXXX At that time I had been taking care of the kids and making the mortgage payment since she had deserted us six months earlier. However the police came and we went to court. I could not afford an Attorney and my wife was granted XXXX as well as control of the house. I was forced to leave the house and my kids and had to move into an apartment. My employer found out about the XXXX and I lost my job as well. I eventually found a job XXXX and had to XXXX in my spare time to sell it in order to keep myself fed. I obviously was not in a position to make the mortgage payment. 

During that time my wife never made the mortgage payment, and let the house, the lawn and the pool go. I started my own company doing right sizing -- I am brought in to save them money and have slowly built this up into a good income source. I fought the XXXX and was eventually able to get back into the house and was able to get wife out and divorce finalized. I tried to put my life back in order XXXX step at a time. I contacted XXXX to see what could be done and at XXXX point I was apparently offered an interest only modification. I found out about this after the fact, I did not see the paperwork until the offer had expired and I suspect that my ex wife who was still lurking around at that time had something to do with that. 

I have tried since then to re-engage with Caliber and have not made any progress. My business and income have continually increased and now my son who lives in the house is working as well and contributing his share. If Caliber were to actually take the time to review me for all retention options, something they are REQUIRED to do due to their acceptance of government bailout funds they would see that I fit into guidelines for assistance. Their continued refusal to even give me a seat at the negotiating table is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (DC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: filed a dispute on XX/XX/18 about a charge I was declining because the service was not done. I informed Wells Fargo I did not want to pay the vendor but they will not refund my money. XXXX corporate sent me to another dealership since XXXX would no longer service my vehicle. The 2nd dealership found the problem and repaired it at no cost since the car is under warranty.

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 05-12-2016 about Debt collection (Medical) with Southern Credit Recovery, Inc. (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX attorney at law sent a threatening letter implying it 's law offices were part of a collection team, out to sue me for XXXX dollars. 

They are connected to Southern Credit Recovery, they " charged off '' my debt even though i had paid it, and never actually wrote it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit line increase/decrease

Complaint: Citi Bank company purposefully dropped my credit limit under what I owe by almost {$1000.00}, without warning or time to bring my balance down under the limit. ( Previous limit : {$4500.00} ... .dropped to {$2300.00} ... .when I owe $ XXXX ) Following is what happened, XX/XX/XXXX, 2017 just before midnight, I made a payment of {$1000.00} to Citi. I realize in the morning payment was for the wrong card. I called and asked Citi stop the transaction. I was told they did not see it in their system. As a precaution, I called my bank and explained what happened and to stop this payment. XX/XX/XXXX 2017, they payment was removed from my account. I called and disputed it. My bank reversed the payment on XX/XX/XXXX, 2017. Now on XX/XX/XXXX, 2017, Citi drops my credit limit to {$2300.00}, which is almost {$1000.00} ( {$970.00} ) under my current balance. I in all good conscience, called and advised them of a mistake. I let them know I would pay a stop transaction fee if needed. But to change a persons limit, purposefully making the amount well, under their current balance, WITHOUT allowing me 60-90 days to pay down my balance to reach the new lower limit .... is just plain spitefulness. I do not care that they dropped my limit! I am concerned that by doing what they did, it is going to reflect negatively on my credit report/history. Which is what they wanted in the first place. I am ashamed that I ever accepted this card.

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 09-07-2016 about Bank account or service (Checking account) with Comerica (MD).
Issue: Deposits and withdrawals

Complaint: My pocket book was stolen at the XXXX XXXX and fell a sleep. When I notice my pocketbook was missing I call a Police Officer to take a stolen report. I report to the Direct Express and they issues another bank card and charges for second bank card. 
When the Direct Express bank card got here by XXXX mail delivery at XXXX XXXX XXXX, # XXXX, XXXX, Maryland. They Direct Express bank card was placed in a friend truck to keep me from loss this bank card on XXXX/XXXX/2016. I stay in the card until morning and I decided to check on my Direct Express bank account to see if the XXXX benefit check of {$890.00} was desposited. I got a shock of my life that I had a balance of ect. {$270.00} and so cent. I withdrawal the other $ XXXX {$40.00} and {$23.00}. In the began of this bank account was a XXXX and cent for the card send. Yet, I did n't authorized any funds coming out my bank account. This Direct Express bank account was to be closed, not have it posted/or attachment done on this bank card. There were3 unathorzed funds remove without my permission. It has been 20 days of no response on my funds and I experience some hardship on this transaction. XXXX I need some answer to the missing XXXX funds. Direct Express/XXXX XXXX # XXXX. I refund? How long does it take to get your refund back?

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I recently filed a complaint with CFPB on XXXX/XXXX/17 regarding two accounts with Midland Funding. First account amount resulting in {$630.00} and second amount {$580.00}. Midland responding with " Cease and Desist '' but stated I still owe for these accounts even though per Midland Funding policy " we stop credit reporting on accounts that are more than two years past date of delinquency. The response also stated to refer to an law office which would mean that I was sued by them and have no such knowledge of and was n't properly notified. I have yet to be presented with proof of ownership for these accounts I also have yet to receive any supporting documentation for these accounts. Nothing has been done to verify the legitimacy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has been sent a letter of dispute and was given 30 Days to respond to the first Dispute. 30 Days after not responding they were given 15 Days to Remove the account that they never responded to or disputed. It has now been almost 60 Days and still no response from Equifax in regards to my dispute. Please see attached the return receipt request as well as the documents that were mailed each time for your review.

Company response to consumer: Closed with explanation