milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have an XXXX XXXX credit card issued through Citi cards. Citi offers an account management portal on the internet. Within that account management tool is the ability to message with Citi securely. They call it the " Secure Message Center ''. I reported several months ago that I had submitted a question via Secure Message. Citi first responds by regular email that a response is in the customers Inbox. When I check my Citi Secure Message Inbox no message is present or visible. They assure me that a message has been sent. Citi also acknowledges that they are having technical issues with this service. This issue has been outstanding for approximately six months as far as I know.
<P/>
My concern is what happens to the messages that Citi sent me? Who received that message if not me? Where did the information contained in the confidential message go? <P/>I suspect that Citi has a potential Information Security Breach and has not taken proactive steps to safeguard customers information. Citi can not provide me with information that proves the message intended for me was not received by some other Citi customer.
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Citi knows of this problem but either can not or will not correct the issue. <P/>I last spoke with a person by the name of XXXX who gave his job title as Assistant Vice President of Operations. I ask for other management contact references and that request was refused by XXXX. I was also given an email address to send Citi 's email responses to me. XXXX My recommendation to Citi was to cease offering the Secure Message Service until it is fully operational. I made clear that I am concerned about the security of my personal information yet Citi seems very unconcerned about that aspect of this problem. <P/>Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: This is not the first time I have bern hit with overdraft fees by TD Bank despite making a deposit before an item cleared my account but I will stick to the most recent. Yesterday, I had a positive checking balance of {$38.00}. My monthly check was ( is ) late to arrive again so knowing my car payment was due to I deposited a personal check for {$250.00} by mobile deposit at XXXX XXXX XXXX/XXXX/17 before my car payment posted. My car payment of {$240.00} posted today XXXX/XXXX/17 and my account balance is - {$200.00}. Per TD Bank, my deposit the date before my car payment posted does not count ( and is not even showing online in my pending items despite being a personal check. ) Per TD Bank, I will still be responsible for overdrafting and fees. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: FRAUDULENT ACCOUNTS BEING REPORTED.

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 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company continues to report on my credit report this debt. I settled this with another collection agency and received a letter stating it was paid. Sent all verification to this second company, Enhanced Recovery Company, and they refuse to remove it and continue to report to credit bureau. They are attempting to collect a debt already settled and paid. They continue to state " we do n't know if it 's been paid '' even though verification letter states " Paid ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Settlement process and costs

Complaint: Back in XXXX my second house was damaged by hurricane XXXX, I received a check for damages and repair the house at the time the mortgage company was XXXX, it is now Seterus. In XXXX XXXX was reviewing flood insurance claims and found that I was owed additional payment and was sent a check in XXXX XX/XX/XXXX.The check was sent XXXX Property Loss Department for signature. The check was return with out the signature and when I called them I was told I had to supply them with a list of damages, contactors that did the work and that they would have to inspect the house, I feel this does not have anything to do with this check.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Merchants and Professional Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: IT'S A MEDICAL BILL. I HAVE NOTHING TO DO WITH THIS HOSPITAL NOR DID I RECEIVE ANYTHING SHOWING IT WAS MY ACCOUNT. I DON'T EVEN KNOW WHERE THIS IS AT. I HAVE SPOKEN WITH THEM AND IT WAS SUPPOSED TO BE REMOVED. NEVER HEARD BACK. THEN IT'S BACK ON MY CREDIT REPORT AGAIN. NO MATTER WHAT I'VE DONE IT'S ALWAYS THE SAME DEAD END. THEY DID NOT FOLLOW THROUGH WITH REMOVING. I SPOKE BY PHONE. DIDN'T RECEIVE LETTER OR RESPONSE, JUST HIT MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is account for XXXX XXXX XXXX XXXX is not my account I notified XXXX XXXX on this but they refuse to delete it. Amount 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 09/20/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: It appears that Ocwen has overcharged my escrow account for the year XX/XX/XXXX. This mistake was noted by Owen months ago and can be reflected as a 'Credit ' on the record. However, it appears the amount was not subtracted but rather doubled as now I 'm being made to pay for an advance despite the cushion charge ... 

Below are records for the redundant flood-insurance charges and dates made by Ocwen to my Escrow account : Insurance Credit-Lender placed Flood Insurance Escrow Account XX/XX/XXXX $ XXXXInsurance Disbursement-Lender placed Flood Insurance XXXX Lender Placed Insurance XXXX XX/XX/XXXX $ XXXXInsurance Disbursement-Flood Insurance XXXX OF FL XXXX XX/XX/XXXX $ XXXX that the first charge above does not show an account number but does show it as a credit, however the balance does not reflect that. This was similar to an issue that happened last year when Ocwen double-charged my escrow account for hazard ( home-owners ) insurance ( see case # XXXX ). That issue of the hazard insurance double-charge was resolved without explanation of why it happened ... 

Note that my true flood insurance expires in XX/XX/XXXX and Ocwen has already made that payment. Below is a record of the transaction : Insurance Disbursement-Flood Insurance XXXX XXXX XXXX XXXX of FL XXXX XX/XX/XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Amex is still showing active the account is closed have n't used it since 2014/ was joint account w x-husband pls take this off was showing XXXX on XXXX XXXX for credit limit {$14000.00}. Each

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying transunion is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my transunion report is it shows a XXXX Inquiry from XX/XX/XXXX  XXXX   XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for XXXX  there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with Midway Resolution Services LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from XXXX with Midway Resolution LLC ( XXXX ) in XXXX indicating the failure to pay and they were proceeding with necessary court documents. I spoke with XXXX and stated I had no idea of what he was referring to and he claimed it was a debt with XXXX (? ). I explained that I dont know of this company and asked for a verification of the debt. he said he would provide and would send to my email address which they had on file. Never received the verification of debt and no follow up call. In XXXX, I received a call from Midway and I call back explaining my situation. I asked for a Verification of Debt and the person whom I spoke with refused to provide. He started stating that I am just using the verification of debt to file a identity complaint or why do I need the verification of debt if I am saying I dont owe it? Newsflash -- my name is on this account and I want to know what I am subjected to. I hung up after I asked 5 times within the course of the 10 minute conversation for the verification of debt and he wouldnt provide. They called back on XXXX and left a threathening message saying that I have failed to comply and they are taking legal actions against me. The address they have on file is an address where I Havent lived in 5 years and I explained that to them. They also indicated they have sent many letters to the address on file and that the letters were never returned and basically, I had my chance and I blew it. Basically -- they dont want to provide me the Verification of Debt, so until provided, I wont proceed with their wishes.

Company response to consumer: Untimely response
Consumer complaint received 03/25/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Unsolicited issuance of credit card

Complaint: After checking my credit reports, they show that I opened an account with Synchrony Bank for a " PayPal '' credit card and that payments were missed and the account was closed by the creditor in 2014. I never opened this account and do not use PayPal. I have not had any resolve in figuring out how they obtained my information and who actually had the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (MO).
Issue: Struggling to pay mortgage

Complaint: On  XXXX   XXXX ,  2017 , a shortsale packet was sent  to Penny Mac for their review. We followed up every 2-3 days throughout this process. I understand that the file was orig inally set up to review for a short sale, but was declined because the file needed to go through a " waterfall '' process wherein it would be reviewed for other loss mitigation options which the borrower did not qualify for nor did he request. An escalated " waterfall '' review was set up, and around  XXXX   XXXX ,  XXXX   XXXX  called in to confirm his financial information, at the request o f Penny Mac. O n  XXXX   XXXX ,  Penny Mac r equested thei r RMA a nd IRS form  XXXX . We had provided the standard  RMA  and  XXXX  forms, however , Penny Mac informed us that those forms, while standard, needed to be updated with the specific Penny Mac  forms, so we provided those on  XXXX   XXXX . Subsequent follow up  with Penny Mac s howed they received but did not process paperwork sent to them, so we resent the documents again on  XXXX   XXXX , and again on  XXXX   XXXX . We were then told that  XXXX   XXXX  had been declined from the " waterfall '' process and was eligible for a short sale. The next day, we were told that the short sale review could not be completed because  the " waterfall '' review took too long and put us within 37 days of the foreclosure sale date. Because of Penny Mac 's mishandling of the file originally with the wrong review track, and their repeated misplacing of necessary documents, their " waterfall '' review took too long and because of it, they failed and refused to reschedule the foreclosure sale date to allow the short sale review, though they have been asked, twice, in writing,  to postpone the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with NICHOLAS FINANCIAL INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Was late on auto payment but now I am current. Finance company still showing I 'm 2 months behind. Called to question why it was still showing me as in arrears but was provided with an answer. Was told they could n't help me

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF THE WEST (CO).
Issue: Settlement process and costs

Complaint: I initiated a home loan in XXXX 2015 with a closing date of XXXX XXXX, 2015 with Bank of the West. The first closing date was extended due to the Appraisal department of Bank of the West accepting a turn in date for the documents two days before closing. The next closing date was cancelled and the loan objected because they were unable obtain Mortgage Insurance for not providing sufficient comparable properties. 
I have listed the following issues I have experienced below : - Our loan processor rarely called or emailed us to keep us in the loop of our loan. I was rarely successful in contacting him when I attempted to call. 
-The realtors and myself were lied to by senior processor XXXX XXXX when we asked for an explanation of why the appraisal took two weeks to get back to the bank. I called the appraisal company and asked why it was taking so long and they stated " Someone from the bank called and said the documents were agreed to be delivered on XXXX XXXX, 2015 ''. XXXX XXXX emailed all parties involved and stated that it was the Appraisal company that changed the date of acceptance, ( When in fact, it was XXXX XXXX in the Appraisal department of Bank of the West ). 
- The loan processor did not get approval from myself to order a " RUSH '' document processing fee based on their mistake in ordering a document late. A non rush document fee is significantly less and was not shown on the signature form they sent me and was ONLY necessary due to their last minute performance. 
- It came to our attention in more than one occasion that all of the people that were involved in the processing of our loan do not work on Fridays nor have contingency for calls or document handling in the event of their absence which was not told to us when the loan was initiated. 
- The loan processor stated in email the an ILC, ( improvement land certificate ) would not be needed and ended up charging me for it anyways stating, " It 's a titling thing '' in contrast to an email conversation we had prior. 
- Was called in the beginning of the processing by an alternate agent who interrogated me as if I were some rogue. 

I feel that clearly what Bank of the West of XXXX has done has shown a repeated unprofessional nature and specifically a Failure to Perform/Breach of contract on my loan and wish to be compensated for the fees, charges and time that I have lost as a result of their failures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am from XXXX county Indiana XXXX XXXX XXXX XXXX of XXXX  XXXX Indiana of XX/XX/XXXX Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX  XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX   XXXX XXXX XXXX XXXX Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and  semi truck business permits Schools and school products and services and building permits business and advertising

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report

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 04-08-2017 about Student loan (Non-federal student loan) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had XXXX private student loans serviced through American Education Services ( AES ). In XX/XX/2016, AES sold XXXX of those loans to XXXX, and I now pay them through XXXX. The problem is that this sale doubled my monthly payment on these XXXX loans : I used to pay just {$50.00} a month to AES ; now I have to pay {$50.00} a month to both AES and XXXX. This may not sound like a big deal, but I have XXXX other, larger student loan payments every month as well, so this new payment is creating a financial hardship. It seems highly unfair that my monthly payment can be doubled due to the internal business workings of my loan provider, and not any action I 've taken or could have taken. Is there anything I can do about this?

Company response to consumer: Closed with explanation