milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I open an account with Citibank stating on there web site that I would receive {$400.00} bonus after 90 days if certain things where done. See attached message from there customer service which says I do not have that bonus on my account. This is 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 02-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction problem

Complaint: I used Western Union " quick 15 minute pay '' to send a {$1000.00} credit card payment to XXXX XXXX XXXX. It never posted. Western Union blamed the problem on XXXX XXXX XXXX and vice-versa. After research, I learned that XXXX XXXX  accepts mortgage payments from Western Union but never credit card payments. My initial problem was, why does ( 2 ) multi-billion dollar companies have the transfer feature available as an option for service to the uninformed public? My total focus has been on the extremely poor customer service & resolution from WesternUnion. The wire was sent to them on XX/XX/2018. I have complained to them since XX/XX/2018. They told me it would take 24-48 hours to resolve. My money control number is ( MTCN XXXX ) and my internal escalated complaint case number assigned by the Western Union 's corporate office is ( XXXX ). I have left an urgent message for the President & CEO XXXX XXXX, corporate customer service escalation desk, reps, senior reps, senior customer service reps, without a resolution and recent hang-ups on me. ( Disgusting ). Please return my {$1000.00} today, it's already 14 days late. They should be able to ping & reverse payments within 15 minutes. My phone number ( XXXX ) XXXX & email address is XXXX. I have used Western Union for 25 years on other matters. But, after this experience, I find there service poor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Consumer Loan (Installment loan) with SQUARETWO FINANCIAL CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: Fresh view solution is attempting to violate banking usury laws by attempting to collect on an illegal invalid installment loan from XXXX bank through [ XXXX ], furthermore Fresh view has an adverse history in trying to collect debts without original bill of sale chaining all the back to the original creditor in this case Fresh view does not possess any and all required original documentation with original wet signature of officers with personal knowledge from avant again this is a blatant and clear case of fraudulent loan debt collection I am demanding that the CFPB investigate and order this company Fresh view to immediately cease any and all current and future collections of this illegal debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: This account was opened by my ex-wife and it 's showing up on my credit file and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I was notified that due to my financial hardship, I was approved for a temporary modification per a trial period from Seterus. It was my understanding that in XXXX 2015 ; I would receive paperwork. If I agreed with the new terms of the loan modification I would sign off. I had called several times throughout the month with questions, such as, if I did not want or agree with the terms, if I could pay back what was owed to put my mortgage back up to date. Throughout that time Seterus representatives called me repeatedly, their purpose was to get me to sign the paper work. Finally on XXXX XXXX, 2015 in addition to the mortgage payment I paid over {$600.00} bringing me back up to date with the payments, I was also charged for bogus late assessment fees from XXXX and XXXX 2015 that I was unaware of, my postage indicates that the payments were sent out on time. None the less I made the payments with the understanding that I would n't be obligated to go through with a modification that only decreased my loan payment by {$130.00} and would have made me obligated to pay on a loan for an addition thirty years making an original 30 year mortgage, a 39 year mortgage payment despite that I had already contributed 9 years toward paying off debt on the mortgage. Also, it was my understanding that by paying the back payments that I would be up to date on my mortgage and all would go back to normal despite the fact that I would continue to suffer a financial hardship. On XXXX XXXX, 2015 despite the fact that the monies XXXX were withdrawn from my account, the mortgage company has stated that my credit is in jeopardy because the monies would be in suspension. This was not explained or my understanding when I begun the trial period modification. In summation I paid Seterus their money. Update my account. I am a struggling single mother with XXXX dependents. This entire ordeal is wrong, unethical, and I am being penalized for something out of my control that I was n't even aware could happen. Seterus is a predatory company that should be penalized for their unethical practices, policies, and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am 3 months behind in mortgage payments on a rental property. I contacted the mortgage company to discuss options like short sale, deed in lieu of foreclosure, etc. The mortgage company refused to speak with me or even to transfer my call to the short sale or deed in lieu department unless I gave them my husbands social security number. I bought this property before I was married and my husbands name is not on the lien, the title, nor anywhere else related to this property. My husband and I do not file taxes together either.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with The CBE Group, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I was notified by a collection agency, XXXX XXXX, XXXX, in writing, that I owe XXXX to XXXX XXXX XXXX due to them closing my account. Once I received the notification in the mail on XX/XX/XXXX, I called to make arrangements to pay the debt. I spoke with XXXX XXXX and there was an agreement regarding a settlement amount of {$580.00}. There were 3 payments made and posted to my account in the amount of {$190.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX advising the debt had been resolved for less than the full balance. On XX/XX/XXXX I received an email advising I stilled owed XXXX XXXX XXXX another {$240.00} from another collection agency, The CBE Group. The next day, I wrote to The CBE Group and disputed the validity of the debt. I also called The CBE Group on XX/XX/XXXX and spoke to XXXX and informed him I did not owe the debt any longer because it was settled with XXXX XXXX on XX/XX/XXXX. XXXX began to read the mini - miranda to me on a settled account which violated debt collection practices. After he read the mini - miranda, I requested to speak to a supervisor. I then spoke to XXXX and explained the debt was settled. She again read the mini - miranda and stated XXXX XXXX XXXX still shows the debt is still owed and I will need to contact XXXX XXXX because it was there responsibility to inform XXXX XXXX XXXX of the settlement. I then called XXXX XXXX on the same day and spoke to XXXX who stated the account was reported to XXXX XXXX XXXX as settled and she will be sending the report to XXXX XXXX XXXX again about the status of the account. On XX/XX/XXXX and XX/XX/XXXX I received letters in the mail from The CBE Group again stating I still owe! I am so frustrated with this process. I did my part by making my payments on time to settle the debt and I am still being harassed by XXXX XXXX XXXX and The CBE Group to pay the remaining balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX/ XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, a rental and history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Sad, but true! 
An ongoing issue for the past 8 months! 
Sofi is our new lender to refinance some private student loans. 
Referral incentive for the amount of {$300.00} has not been paid as promised months ago! 
Have documented emails from the management team with incorrect information and false hope! Numerous phone calls have been made, but no one even cares to resolve the situation. {$300.00} is not a lot of money, but false advertisement and terrible customer service makes us really upset! A copy of emails can be submitted upon request! 
Thank you! 
An Update : just spoke to XXXX XXXX, customer relationship consultant. 
She called me while I was about to submit this complaint. I did let her know and asked her what would have she done if she were in my shoes, and her response was to " let it go ''! 


The manager ( s ) keep having us wait with

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been on the phone numerous times with Freedom Mortgage and their " insurance '' department regarding providing proof of my HOA 's master policy and my personal XXXX coverage to avoid or reverse their increased " escrow withholdings '' in my monthly payments. No resolution to date, and my payments have gone up from {$3400.00} in XXXX 2016 to {$3600.00} since XXXX 2016. Principal, interest, and PMI payments due to Freedom Mortgage should reported be at {$2900.00}, so they are negatively impacting my credit reports.

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 02/24/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I had a monthly payment of {$45.00} due to income based repayment. When I was close to graduation the company changed the payment to {$1500.00} a month. I had applied for income based repayment but they had not processed the paperwork. I sent the paperwork in XX/XX/XXXX. They did not inform me the paperwork was not received until XX/XX/XXXX. My payment went from {$1500.00} to {$21.00} for 2 months, then it was put in forbearance. In addition, they consolidated some of my loans but not others. I was told all loans would be consolidated to correct the company 's error in XX/XX/XXXX. I started to receive a $ XXXX monthly bill for one loan in XX/XX/XXXX. I received a {$310.00} bill for a different loan in XX/XX/XXXX. You write and you are told that department can not help you. You call and you wait on hold for 45 minutes to be hung up on. If you do not talk to the same person, you do not get the same information. There are no records of anything and there is no explanation as to why a payment would increase to 10 times what you paid before when your income did not increase.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I am having financial difficulty and trying to get a deferment and my lender is not allowing me to do so without paying them {$300.00} to do a deferment. A deferment does not cost money, it is a right as a consumer and they should not be charging me to do so. I have never missed a payment until recently and at a time when I most need help, they are not helping me. I received a letter from them about getting a deferment but when I called they said I could not do a deferment and the manager said I could and I received a letter. This is inconsistent and I believe they are causing further undue hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name was changed on my Trans Union credit report starting the date of the fraud document with the bank. I have sent all my information to TransUnion 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.

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 03/28/2018 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (AZ).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX we changed homeowners insurance from XXXX to XXXX XXXX. We sent all documentation for the change to the mortgage company and were told that when they got the refund from the insurance company for the payment that they had just made the change would be made. We contacted XXXX and they told us they would send the refund to American Financial Resources. We heard nothing else on the matter and were under the impression that everything was handled until we went to file a claim for storm damage to our home in XXXX, and found out that our mortgage company did not pay our insurance and then they proceeded to apply their own insurance company from our escrow. So we found another insurance company to take our business and American Financial still wanted us to pay for their insurance. We do not feel that we should because we did what we needed to inform them that we changed insurances. 
Then the end of XX/XX/XXXXwe sent our monthly payment to American Financial and were notified that they did not receive our payment .So we contacted XXXX XXXX about whether the money order was cashed or not and when. We were informed that it was cashed on the XX/XX/XXXX. We then sent for a copy of the money order with XXXX XXXX and found out that our payment had been stolen from the united states postal box and altered with another name in the pay to line. XXXX XXXX told us it could take up to 90 days to deal with the bank that cashed it to get a refund. We have caught up on all of the payments that were missing and we are receiving notices stating that we are in default of our mortgage payment after they have received the payments, and it very frustrating. We do not want to move we have been here for 12 years and just want to make our normal payments and continue on. But we are also feeling like we are being harassed when we know we made our payments and we get all of this mail stating that we are in default. Plus they keep giving us the run-a-round.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan was purchased by XXXX from XXXX in approximately XX/XX/XXXX. I received a loan payment disclosure statement on XXXX/XXXX/16 that stated my interest rate was 6.8 %. However, the loan had an interest rate of 5.8 % at the time it was purchased. I contacted XXXX about this and they gave me instructions as to the documentation I needed to provide to prove the correct interest rate. I sent the documentation to XXXX on XXXX XXXX, 2016 via email as they requested. 

Since then, I have called approximately 5-6 times to get a resolution on this matter. Two months have passed and there has been no response via email, snail mail or phone. Each time I call, a representative has told me that they are processing it. However, I have not received any confirmation from the company that the documentation was received ( no reply to the email ), nor has any representative followed up with me to update me on the status of my request. All the while, my loans are being charged the higher interest rate. The stalling and delay tactics are extremely frustrating and obviously I will not pay the higher rate and expect to be credited the difference in the interest amount charged at the higher rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing a complaint due to Transunion reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made. >>XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/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 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (SC).
Issue: Managing, opening, or closing account

Complaint: Everything was fine until they had an update. Update still going when they said it was only suppose to last 5 hours. U ca n't get into your account, ca n't get anyone on the phone or it hangs up on you, if you had a balance before the update the balance now shows XXXX, direct deposits are not going into the accounts either. They are not responding to emails. The only updates you see is on social media, they are not telling the customers themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Made payments on time but reporting late payment

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