milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (WA).
Issue: Problem with customer service

Complaint: " Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. 
Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. 
XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. 
XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. 
XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. 
XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. 
XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. 
XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. 
XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. 
XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. 

If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (KS).
Issue: Account opening, closing, or management

Complaint: Citi Gold Checking Account Promotion not honored. 
I had applied online for Citi Gold Checking account on XXXX/XXXX/2016. After that I did n't received my debit card for few days and so I called Citi bank on XXXX/XXXX/2016 requesting to expedite the delivery of debit card and same time I confirmed the promotion offer that I would be honor for opening new Citi Gold checking account. The name of customer representative was " XXXX '' and she mentioned that after making debit card purchase of {$1000.00} or more in 60 days and making atleast one bill payments for two consecutive months I would be receiving XXXX AAdvantage XXXX miles into my XXXX account after meeting the requirements. I have met the requirement for the promotion offer and now when I contacted Citi bank they refuse to honor the promotion. I would n't had mind if they would have informed be that I would n't qualify for promotion offer on XXXX/XXXX/2016 itself or at the time of application. But since I informed that I qualify for the promotion offer on XXXX/XXXX/2016 by XXXX so I think Citi Bank should honor the promotion offer.

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 03-01-2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fraud or scam

Complaint: because I have no bank account, I purchased an American express gift card to pay some bills with. I was not able to use my balance of {$320.00} on any of my bills, XXXX I contacted the gift card service center in XXXX on XXXX separate occasions, and spoke with XXXX separate floor supervisors and was repeatedly told that there was nothing wrong with my card. I repeatedly tried to use it online, on phone, and directly speaking with my creditors with no success. XXXX floor supervisor, XXXX XXXX XXXX, at XXXX customer service advised that it is not meant to be used to pay bills. I told them it should be able to be used just like a credit card for any reason. After not being able to get customer service to help me in any way I asked fpr a refund and was told that it would take 20 business days for a refund. It sure seems like a scam to me. I spent good cash money and now am out {$320.00} for at least a month. This is not a responsible business practice, and not fair to the individual. Please help me to resolve this absurd practice. I never have similar problems with other major gift cards XXXX. I just want to be fairly treated, and hope you can help me, and others like me. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However Transunion is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and XXXX show account paid and account closed and NOT delinquent ( see attached ). However XXXX is showing reporting on until XX/XX/XXXX when account was closed 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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES XXXX TRANSUNION AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXX payment .IT WAS PAID XXXX 9,2017 check the records

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 06/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have just found on my credit report that I have a collections attempt from Company DIVERSIFIED CONSULTANT Payment Status Collections Status Date  XXXX / XXXX / XXXX  Balance {$830.00} Balance Date N/A Address  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  As you will see in my previous complaints datin g back 2 1/2  years :  XXXX   XXXX   XXXX   XXXX   XXXX  contacted me in  XXXX ,  XXXX  about  a   XXXX   XXXX   XXXX  bill for {$830.00}. I paid them on their web site on  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX  FL  XXXX  with a card ending in  XXXX  for {$820.00}.     Clearly  XXXX   XXXX  DID NOT inform  XXXX   XXXX   XXXX  that the bill was paid as an entirely new credit reporting agency has taken up this collections notice.     I can not express enough my distain for  XXXX   XXXX  and their totally corrupt and on-going business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a Qualified Written Request to my " loan servicer '' ( Bayview Loan ), it was signed for on XXXX XXXX, XXXX and I have NOT even received a written " acknowledgement '' of receipt and I am nearing the 30 day limitations under which they have to provide the requested information. It was clearly directed to the person stated in the letter they sent to me, who seems not to exist. I understand there is now a {$2000.00} penalty for default upon this action and that 's not even to mention the fact my loan was predatory from inception, I was extorted more than {$44000.00} by the previous servicer ( XXXX in XXXX of XXXX when they ceased to exist as of XXXX XXXX, XXXX ) and was not even the actual servicer. The XXXX documents that accompanied the Notice of Foreclosure were filed on the exact same day, forged 8 months AFTER the loan was sent to yet another servicer ( XXXX ). Upon serving a QWR upon XXXX on XXXX XXXX, XXXX they immediately drafted yet another XXXX document- the author of which is currently serving time in CA for white collar crime and was completely Robo-signed on XXXX XXXX, XXXX. XXXX subsequently withdrew the foreclosure ( through XXXX, XXXX, XXXX ) and I was later transferred to a company called Bayview, which I had never hear from or of, yet they now sent statements. What should I do? My thoughts are to file a Quiet Title and recoup the damages for erroneous billing ( I was paying the wrong mortgage company for 10 months before I was notified via a " post it note '' on my monthly auto-check, that I was sold to XXXX, it was never late, nor properly accounted for hence my paying in excess of {$44000.00} via the " Foreclosure Mill '' XXXX, XXXX XXXX XXXX in CT - payable to a " deceased entity ( XXXX ). I have been completely defrauded, been subjected to severe distress, financial burden, lies, forged documents and essentially been a rag-doll for the XXXX largest foreclosure mills ( both of which have been under investigation by the CT AG ). My credit has been destroyed by this aside from having broken my back in XXXX of XXXX. I have done everything I feel I can at this point. Can and how do I file a claim for failure to respond to my QWR by Bayview and take further action. I am now on XXXX and am of limited means. I love my family home of 40 years, but these banksters must be stopped!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Company : USAA Summary of events : About XXXX of 2014 I called USAA to receive car insurance coverage. I had been covered by USAA but under my parents ' insurance policy. <P/>First phone call : They refused to discuss insurance coverage because my account had been flagged. Prior to this call my only business with USAA was that i was covered under my parents ' policy, I never opened any bank account or received any other services from them at any time, at all, ever. <P/>Second phone call : I called to ask about the flag on my account and see what it was for. They said that it was a fraud flag and they transferred me to their fraud department. I asked why I had a flag and they told me that it was for fraud and that USAA refused to do business with me. They refused to disclose any paperwork or information about the fraud or the nature of the fraud, I tried to explain that I was a victim and that I had n't ever done business with them other than be on my parents ' insurance policy and that I had no idea how this happened. They told me that they refused to do business with me and that was all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Incorrect information on your report

Complaint: To Whom It May Concern : In XXXX, I purchased a home in Texas located at XXXX XXXX XXXX in XXXX, TX. The financing structure was a 1st and 2nd and both loans were through XXXX XXXX XXXX ( A subsidiary of XXXX ). Unfortunately, in XXXX, tenants moved out and there was extensive damage both from them and from the hurricanes. Simultaneously, my business had been affected by the collapse of the economy and I was going through divorce as well. I did my best to work with local realtors to get the home listed for sale or rent but couldn't get anyone to represent me with the home in the condition that it was in. Finally, the home went to foreclosure. At the time of foreclosure, XXXX XXXX sold the 1st Trust Deed to XXXX XXXX. The 2nd had already been transferred to Specialized Loan Servicing. Specialized Loan Servicing did not make any claim at the time of the foreclosure and ultimately got nothing. Shortly after that, they started sending me letters and calling me, trying to collect the principal balance. The loan was attached to property that went to foreclosure and I had never refinanced it. Therefore, the loan should have been a non-recourse loan. Even if it wasn't, Specialized Loan Servicing eventually charged the loan off through a Profit and Loss but they still continued trying to collect the principal balance from me. At one time, I was so frustrated that I offered them a nominal settlement but they stated that they would XXXX me for the difference so I halted the negotiations.

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 02-09-2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Other

Complaint: Barclay Bank Barclaycard, I went online to review my account and discovered my credit limit was reduced from {$2000.00} to {$1200.00} without any notification from Barclay Bank! I called them and they said because of credit usage on other cards NOT Barclaycard that they reduced my credit line because of that. I spoke to one of their credit representatives at Barclay Bank and did not get any positive response from her ( XXXX ). My account with Barclay Bank has always been paid on time and more than the minimum payment due! All my other credit accounts are always paid on time and with NO derogatory information on my credit reports! This practice of reducing ones credit limit for NO reason should be illegal and furthermore the bank NOT notifying the person of the reduction is WRONG! With Barclay Banks action this now may effect my credit score because with the reduction my balance is now 75 % of my credit usage on this credit card! I am XXXX and have NEVER had a credit limit reduced from any credit card company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCA Collections, 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: I contacted XXXX a couple of months ago concerning SCA Collections reporting to them a medical bill that does not belong to me. Both XXXX and SCA have blatantly ignored my requests and continue to report false information in my credit report. It is ridiculous how companies are allowed to get away with reporting whatever they want and the consumer having to jump through hoops to straight out THEIR mess. If this does not resolve the issue, I may be forced to take legal action. This is the second complaint I have filed with the CFPB. The medical bill DOES NOT belong to me! Secondly, this company IS NOT LICENSED to collect in the state of Florida so even if the debt were mine, which it absolutely is not, SCA is illegally attempting to collect. Why do n't they have to furnish a license? Why are they able to get away with illegal practices? I request ANY AND ALL documentation supporting their claim that this bill was acquired by me. I need a signed contract between myself and SCA Collections to prove validity of this debt. I will not back down. This is MY credit and MY life! I will not let this go!

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 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: On XX/XX/ 2018, I initiated a wire transfer with my bank. The wire transfer authorized {$10000.00} to be transferred to XXXX XXXX to be deposited into my Coinbase account. The wire was completed that same day. However, its been several days later and the funds are still missing from Coinbase Account. Several attempts have since been made to contact the company via phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I opened a Citi bank " Citigold '' account by using a promotion code stating that I would earn XXXX Citi Thankyou points if I completed XXXX qualifications : {$1000.00} dollars spend in the first 3 months and a bill payment in consecutive months for the first two months. I completed these requirements in XX/XX/XXXX. The agreement with Citi stated that I would receive my Thankyou points within 90 days after the month that I completed the requirements. I have written confirmation from Citi stating that the Thankyou points would be deposited in my account by XXXX/XXXX/2016. The points should have been deposited by XXXX/XXXX/2016, but I have written confirmation stating XXXX/XXXX/2016. I have tried numerous times to get Citi to honor this promotion. I have made multiple calls and asked to be put in touch with a supervisor. I have asked that a member of the executive team at Citi call me back on 3 occasions. Each time I have been promised a call back within 24 to 48 business hours. I have yet to receive a phone call from anyone. Ultimately, all I want is Citi to honor this promotion.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through  XXXX   XXXX . The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through   XXXX   to have it removed but they did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Repeated, daily phone calls, paper mail and emails. Calls made were repetitious and at inappropriate hours. Phone calls to family members, giving information about my debt when they were not given family member phone numbers or consented to give out information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit determination

Complaint: I have been a credit card holder at bank of america for a while, and I recently applied for joint co-ownership of a travel rewards credit card since XXXX 2015. Every single month when the statement is due my travel rewards account disappears from online account when I sign in. I call them every single month to be able to see it and they assured me this wo n't happen again since XXXX, but they have n't done anything about it. Without being able to see my account online I wo n't be able to pay my payments on time, which I am afraid will affect my credit score. I ca n't even close my account as it will also hit my credit score. So, I am stuck in a quagmire, having to call them persistently every single month, which is hectic and super frustrating. I wish they took serious action towards it and that 's why I decided to complain about the issue.

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