milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX or XX/XX/2016 I entered into a Repayment Plan with CitiMortgage. The Repayment Plan stayed the foreclosure proceedings in the XXXX County Superior Court. Paragraph XXXX of the Repayment Agreement states that the payments are due on or before the due dates. ( the XXXX of the month ) Payments were to begin on XXXX/XXXX/2016 for XXXX. I did not make the payment on XXXX/XXXX/2016 and did not make payment on XXXX/XXXX/2016. Sometime XX/XX/2016 I called my then homeowner support specialist for CitiMortgage, someone by the name of XXXX XXXX XXXX, to see if the Repayment Agreement was still active or had been cancelled. I added that I had the money to catch up the payments for XX/XX/XXXX and XXXX 2016 of the Repayment Plan. XXXX XXXX said she needed to check " into somethings '' and would get back with me. A few days later, she called and stated the agreement had not been cancelled yet, but that I would have to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to keep the Repayment Plan. On XXXX XXXX, 2016 I sent to CitiMortgage {$2500.00}. I did not make the XXXX, 2016 by the first of the month. On or about XXXX XXXX, 2016 I received an email from CitiMortgage stating my new Homeowner Support Specialist would be someone named XXXX XXXX. On XXXX XXXX, 2016 CitiMortgage sent me an unsigned letter stating that my Repayment Plan would be cancelled. I then called XXXX XXXX and was essentially told that XXXX XXXX made a mistake in taking the payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and that she did n't go through the appropriate underwriters.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (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: In XX/XX/XXXX, I wrote a letter to Toyota Financial Services requesting a late payment for XX/XX/XXXX be removed as a courtesy. I received a letter back from the company after 30 days claiming that I have disputed the late payment & that the results were accurate reporting was being made for the late payment. My initial letter did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment. My credit report now shows I have disputed the late payment which I never intended nor did write on the letter for the dispute. I continue to call Toyota Financial Services & I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. Toyota Financial continues to report the late payment on my credit report, without any proper communication or feedback. Under the FCRA, a lender may not put my account under " dispute '' if a dispute was never intended not initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: Purchased a boat trailer ( XXXX # XXXX ), title # XXXX on XX/XX/XXXX with a bill of sale, since title was apparently lost. The lien issuer on the title, once recovered is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This bank was evidently acquired many years ago ( possibly in the XX/XX/XXXX 's ) and is supposedly operating under the name of Sun Trust Bank in XXXX, NC. The FDIC said the lien could be released, but apparently it is technically still in business, under the name of Sun Trust Bank. The DMV, whom I have approached numerous times, says they want the license tag back if I can not get a release of the lien on the title. Have had the trailer inspected by the License and theft bureau of the DMV. Have also, at the request of the DMV purchased an Indemnity Bond on the above trailer. I spoke to a manager of the said Sun Trust Bank in XXXX and while they said they would be happy to release the lien, Sun Trust had no connection to the XXXX XXXX XXXX that was once located in XXXX, NC. 

The original owners on the title are : XXXX XXXX XXXX and XXXX XXXX XXXX Now residing at : XXXX XXXX XXXX, XXXX, NC 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 11-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I opened a mortgage with XXXX XXXX XXXX for {$100000.00}. My monthly payment including taxes ( $ XXXX/yr ) and insurance ( $ XXXX/yr ) was XXXX per month. That payment remained the same from XX/XX/XXXX through XX/XX/XXXX. In early XX/XX/XXXX, the mortgage was sold to Mr. Cooper mortgage. When I received my payment information from Mr. Cooper, it had gone up by $ XXXX/month to $ XXXX/month! I called Mr. Cooper to discuss this and was told that my account was behind in escrow because my property taxes had gone significantly. However, I went to the county to talk to the tax assessor and was told that the property taxes only went up $ XXXX/yr. At this point, Mr. Cooper is saying that my monthly principle + interest is about $ XXXX/mth and my escrow is $ XXXX/month. There  is no possible way that I should be paying {$6000.00} per year in escrow. If my escrow account was behind, then XXXX XXXX would have told me that at the end of XX/XX/XXXX, or at the end of XX/XX/XXXX. That never happened. Instead, Mr. Cooper must be trying to skim money off the top of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with MSW Capital, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: MSW Capital purchased a charged-off debt and is taking legal action to garnish my bank account. I had previously made payment arrangements but completely forgot about the debt because I had to mail in a monthly check and did not receive any account statements. I have attempted to make payment arrangements, even offering to have a monthly payment automatically drafted from my bank account to no avail.

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 04/25/2017 about Debt collection (Credit card debt) with Kramer & Frank, P.C. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I have a credit card with   XXXX   XXXX  -I was in the process of starting to dispute some of the charges. But  XXXX   XXXX  was not was not responding to me. Now I found out that I have been sent to  Kramer  and Frank attorney at law, and have a lawsuit pending from bankruptcy attorney solicitations. No one has contacted me fro m Kramer and Frank. I  have not received any mail or phone calls from them. They have filed sue on me  X/XX/2017    and I have not gotten anything from them. Today,  X/XX/2017    I have faxed over a validation letter to the attorney office, but I ca n't seem to get a call back. Please help.

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 10/24/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and noticed that this company has reported a debt that I have paid to another collection agency. It was paid to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Mortgage debt) with Visio Financial Services Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount ( {$68000.00} ) was sent to XXXX XXXX Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to XXXX. At this point i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company failed to validate the debt, which is a violation and in return deleted it from my XXXX tradeline but then in return added it to my XXXX without properly validated the debt, in which a written notification of debt validation was submitted on X/X/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Closing on a mortgage

Complaint: I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: The credit reporting agencies have added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

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 05-05-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: Care Credit, which is owned by Synchrony bank, issued credit for dental some work performed on my daughter. It was a promotional no interest for 18 months. I have been paying on time with automatic payments and was not properly notified the no interest was coming to an end. No emails or phone calls. Now they have charged me 27 % interest on everything. I called them and offered to pay the remaining balance because the no interest ended only on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 but they refused and still want to charged me the 27 %. This is extremely overboard. What can i do about this?

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 04/23/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My son XXXX XXXX has an outstanding student loan with Navient/XXXX XXXX. On todays date, my wife and I received a total of XXXX telephone calls from XXXX the calls began at XXXX XXXX. and continued on until XXXX XXXX The majority of the calls from this number were answered by our voice mail answering machine and caller did not leave any messages. I answered a call at XXXX XXXX. and caller identified herself as being from Navient. She wanted to speak with my wife, who was not home at that time. I asked her the reason for the call and she refused to tell me. At XXXX XXXX, my wife called Navient and they informed her that my son 's student loan was 6 days late in payment of {$96.00}. My wife advised that she would tell our son to contact Navient when he woke up. At XXXX XXXX., Navient again called and again at XXXX XXXX I spoke with the rep. and requested that they stop calling us and we would inform XXXX to contact them. We received another call at XXXX XXXX and again at XXXX XXXX. at which time, I advised the rep that I would contact an attorney if they did not cease the phone calls We co-signed for our son 's loan and he has been consistent with his payments in the past. We feel that these actions by Navient are nothing but pure harassment and they need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (I do not know) with Merchants' Credit Guide Company (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have no business contract or any other type of dealing with this company. I am contacting the FTC concerning their unfair practices.I am also contacting my lawyer concerning them damaging my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX ACC # XXXX Please update my phone number XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have requested my consumer file from Early Warning Services on two occasions and have not received it. I provided the request along with a copy of my drivers license and a utility bill. XXXX is reporting inaccurate information from XXXX XXXX which I would like to dispute but need the Consumer file in order to correctly dispute the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my credit profiles that I feel is inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By Consumer Rights law I am entitled to know of the entity that has verified the information. This derogatory is holding my identity and credit under " XXXX XXXX '' for 10 years, where is that written as law, when there was not a satisfied action? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with PNC Bank N.A. (PA).
Issue: Rewards

Complaint: PNC bank mailed me a physical letter advertising my pre-approval for a new credit card with a promotional bonus of { {$100.00} } upon meeting certain requirements. After meeting the requirements no { {$100.00} } bonus was received. I spoke to a PNC Bank ( 800 number ), the Branch ( both in person and on the phone ), then the their escalation department and then their department that oversees escalation to further escalate the escalation. They are aware of the offer, but state that I am not eligible to receive the { {$100.00} } offer because my wife with a shared checking account had previously received a bonus year ( s ) prior. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified. It does specifically state that, " If multiple credit cards are opened with the same primary borrower, only XXXX credit card account will be eligible for the {$100.00} offer. '' I have never applied for PNC Credit Card before so I should be eligible for the {$100.00} offer. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line. Till this day, both my wife and I receive numerous PNC Credit Card Offers with bonus. If their rules had stated, WHICH IT DID NOT, that only XXXX credit card bonus per household may be eligible and given, then I would not have applied for the credit card. I believe this is false advertising among other things. 

Thank you for your time.

Company response to consumer: Closed with explanation