milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I received a series of calls and an email to activate a Citibank commercial credit card that I neither received nor applied for at any time in the past. 

According to the " Citi Commercial Cards Team '' : We recently sent you a new, Citi Chip and PIN card to replace your old, magnetic stripe card. Our records indicate that you have not yet activated your card and selected a XXXX-digit PIN. 
To activate your card, call toll-free XXXX or visit XXXX.citimanager.com/corporateWhen I called, I was put on hold for a " XXXX '' and no one ever came back on the lie for XXXX-minutes. 

I suspect that either I am a victim of identity theft, and/or some form of scam - as I can not get a response from the people who claim to have issued this card. There is some big mistake in their issuing a card to someone else, or this is a scam/fraud that needs to be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a complaint about OCWEN who is servicing our mortgage loan. My husband and I, who are both seniors have applied to refinance our OCWEN serviced loan under a reverse mortgage with a different lender. The process has gone well until a request for the OCWEN serviced loan payoff requirements request by our potential new lender/title company. Briefly, this process has gone as follows : On XXXX XXXX, XXXX an initial request for payoff requirements, on our behalf, was sent to OCWEN by title company. Ocwen, then requested a copy of appraisal which was immediately sent to them. This appraisal was prepared in XXXX XXXX. 

After no response from OCWEN, on XXXX XXXX, XXXX we contacted OCWEN who acknowledged receipt of appraisal but said there was no payoff request. The requested another copy of appraisal which I faxed to them immediately. On XXXX XXXX, XXXX, I called to verify that they had received appraisal and they confirmed that they had and they were preparing payoff requirements in 3 to 4 business days. 

After no payoff request, on XXXX XXXX, XXXX we followed up by phone with OCWEN who told us that appraisal was dated XX/XX/XXXX. After further conversation they admitted they had most recent appraisal but it was n't in color. We were asked to send another copy, right away and they would send payoff requirements within 24 hours. We immediately replied, sending another copy of the appraisal by email. 

On Friday, XXXX XXXX, XXXX we received a letter indicating that they need yet another 4 days to send payoff requirements. 

One annoying issue is that we ca n't get a central point of contact at OCWEN. We get name/id when we call but on follow up calls we can not get back to prior contact and when we ask for return calls we often fail to get them. 

Is there anything you can do to assist us in getting payoff requirements? 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CitiFinancial is reporting a very old account on my XXXX, XXXX, and XXXX credit reports. I do not owe Citifinancial any debt. This is just harassment form them to keep reporting this on my credit reports. I have no interest in their industry standards or company policies. Citi needs to remove these accounts from my credit reports immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Eighteen years ago, in XX/XX/XXXX, my then-husband and I opened a line of credit with BB & T bank in XXXX, MD. We owned a business and the line of credit was for business use. Although the business was sold a year or so later, apparently the line of credit was never closed ( it had a zero balance ). My husband and I divorced ; the divorce was final in XX/XX/XXXX One of my primary reasons for seeking divorce was his overspending, which brought us close to bankruptcy and caused our house to go into foreclosure. I thought divorce would finally release me from being financially tied to him. But no. Last month I was notified by XXXX XXXX that my credit score had dropped due to increased debt. I checked my account and saw a debt of {$1900.00} at BB & T. I immediately filed an online dispute and was notified that it was a valid debt, but it is not mine. It is my ex-husband 's. In XX/XX/XXXXorXX/XX/XXXX, he went to BB & T ( still his bank ) to open a personal line of credit. They informed him that he still had one. Neither they nor he thought to verify the owners of that account. So this new debt of his was posted to my credit report. I do n't know if this qualifies as fraud, but it certainly is negligence. And it has negatively impacted my credit, which I have been working for the past three years to repair. I want my name taken off this account and my credit restored. My husband currently lives in XXXX, PA and has been unsuccessful in getting this problem fixed. The bank manager there, XXXX XXXX or XXXX says there is nothing they can do. How can this be right?

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credence Resources Management, LLC attempted to collect for XXXX the amount of {$140.00} XX/XX/XXXX. I stated that I did not own that amount and we agreed that I pay {$88.00}. On XXXX XXXX, XXXX, I sent a cashiers check for {$88.00}. 
On XXXX XXXX, XXXX, I received a check from Credence Resource Management, LLC for {$88.00} made payable to my company, XXXX XXXX XXXX. I called and spoke to a supervisor who told they did not know what the check was for. To this date, I have not got a resolution on this matter. I have returned the check to Credence Management, LLC.

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 12/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX my parents signed me up for a loan with XXXX XXXX. A few years later when I joined the military I was told that my loan was in deferment and would not be gaining interest. I was never contacted about a change in ownership or a change in the terms of my loan. Specifically the interest charges. A few months ago I received a letter from Navient that was sent to my parents house. After calling Navient I discovered that that my loan was up to {$23000.00} ( {$8000.00} of that is interest ). I requested a copy of my contract and received a contract with only my information, and my references. No information about the loan or terms that I agreed to. After trying to determine a solution with Navient I was offered a payment option that would increase my interest to another {$8000.00}. All for a loan that cost {$15000.00} originally. I am still currently XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was recently sold back to XXXX XXXX XXXX. Bay view loan servicing decided to add XXXX cents onto my loan under XXXX advance without notification or any explanation. They just sneakily applied it to my loan. XXXX XXXX XXXX than decides to add that to my loan payment and says I owe that much. First off let me say I am disputing all of those charges. I phoned bayview and they advised me all it says is its for litigation ... ..I have no litigation and it was added conveniently to my loan in XXXX XXXX ' to the time it was transferred in XXXX XXXX. I had no notice of it I was just paying my monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: America 's Servicing Company is being bias towards the borrower by prohibiting the borrower from being reviewed fairly for a loan modification due to an overzealous underwriter and processor with America 's Servicing Company. America 's Servicing Company is requiring additional documentation not customarily required per the HAMP guidelines. The borrower has been separated from the spouse since XX/XX/XXXX. Although divorce is imminent the clients have not filed for Divorce but the spouse no longer resides in the residence. America 's Servicing Company requested for the Co-Borrower to relinquish their rights to the property by means of a Quit Claim Deed. The Co-borrower as a result incurred additional expenses relative to the Quit Claim deed preparation and recording cost. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX received a conference call from the assigned relationship manager XXXX XXXX with the underwriter XXXX ( no other information was given about the underwriter ) demanding a Divorce Decree. The underwriter was notified they were not divorced and separation was not recognized in the state of Florida. The file was denied the same day for not producing a Divorce Decree. America 's Servicing did not provide the client with a missing documents letter as required by the CFPB and HAMP Directives. In addition the underwriter is demanding a Divorce Decree in which the borrower can not provide. The co-borrower has demonstrated she does not live in the property and has relinquished her rights to the property but America 's Servicing Company is continuing to demand a Divorce Decree or produce a separtion agreement which is not recognizable in the state of Florida. On XX/XX/XXXX and XX/XX/XXXX file was resubmitted to America 's Servicing who removed the file from being removed on the same day. File was submitted XXXX days before a Sale Date and America 's Servicing did not mail a Letter Confirming Receipt XXXX the package nor provided the client with a missing documents letter as required by CFPB and HAMP Directives. America 's Servicing Company is requiring the borrower to produce documentation which is not legally binding nor recognized in the state XXXX Florida. America 's Servicing Company is proceeded to foreclose on the home without providing the client a proper review of the Home Affordable Modification Program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Choice Recovery, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a phone call on my employer 's phone ( I am employed through XXXX XXXX ) at which time I provided my cell phone number to the worker for all future contact. Today ( XXXX/XXXX/16 ) I received another phone call from the company on my work phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: I have fallen behind on my car payments. I have not avoided talking to the lender. They are continuously harrassing us for money. Within an hour of setting up an arrangement on the account i recieved another call wanting me to pay them. This XXXX individual had no idea of the arrangement. At this point I verbally instructed them to cease and decist all calls. Then, my vehicle went into repossession and they started calling again anyways. I was told that if i payed XXXX immediately and XXXX again within XXXX days, we would be fine. I paid the XXXX and spelled out my intent to pay the remaining XXXX on my next payday. The very next day, I recieved a call stating that we needed to pay XXXX. They have repeatedly harrassed us and violated our rights under the FDCPA. The company is Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 and XX/XX/XXXX, I accidentally missed two credit card payments with XXXX XXXX XXXX. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but XXXX XXXX XXXX has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, 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 08-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midland Credit has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws.
I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. Midland Credit has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX and Midland refuses to remove this debt knowing it is not valid.Also, Midland does not have the consent of XXXX XXXX XXXX to report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Original loan required PMI insurance due to the slow turnover in our neighborhood and poor comps for home value. After 2 years of perfect payment history we paid for an appraisal and CMC Funding/XXXX would not consider it for removal of PMI. Our original loan was made with XXXX, however the loan was sold to CMC Funding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many inquiries appear without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also XXXX had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to close a short sale for over 2 years and Roundpoint mortgage continues to stall and delay by asking for documents not needed or have been sent to them. I have had XXXX cash buyers and the last XXXX is about to give up. They send me confusing requests in the mail so I have to call them to find out what they need. I can not reach my account rep by phone and have to wait until call me. When I send them a doc ( by email ) it takes 3 days for them to read it.

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 03/13/2018 about Debt collection (I do not know) with Navient Solutions, LLC. (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been fighting with a collection company called XXXX XXXX XXXX that is apparently a collection agency for XXXX University, I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX and they were horrible, and even sent certified confidential transcripts with my social security number on them to a person with the same name in Louisiana. I have disputed the mark on my credit, I have sent them letters so this is the next place to go. Do not ever go to School at XXXX University.

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 03/16/2017 about Bank account or service (Other bank product/service) with ASTORIA BANK (NY).
Issue: Problems caused by my funds being low

Complaint: Unfortunately I fell behind on my payments to Astoria Federal Savings overdraft line of credit in XX/XX/XXXX. Astoria Federal reported this account as charged off in XX/XX/XXXX and XX/XX/XXXX. I paid the principal and interest on this account in full in XX/XX/XXXX. The account was closed and no further advances were ever made. 

FCRA 623 ( a ) ( 2 ) requires any party who has furnished information to a CRA to promptly update that reporting as necessary to maintain its current accuracy. Astoria Federal was thus required to update their credit reporting to keep it current and accurate. Astoria Federal failed to update the account status from " Charge-off '' to " Paid charge-off '', and omitted my payments from the reported account history. THIS CONSTITUTES A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

( Astoria Federal did update the balance to zero at the time the account was paid. However this is not equivalent to reporting the account as paid as there are many reasons a charged off account could report a zero balance, such as the debt being sold to a collection agency. And besides the balance, Astoria Federal persisted in reporting the account status and account history inaccurately. ) I attempted to obtain relief innumerable times by disputing this matter via the credit bureaus ; and while this should be an open-and-shut case Astoria has never corrected its reporting. ASTORIA 'S FAILURE TO CONDUCT A REASONABLE INVESTIGATION TO CORRECT THIS ERROR CONSTITUTES A SECOND VIOLATION OF THE FCRA. 

Furthermore, Astoria 's reaction to the disputes has been to falsely report the account history to show that a default occurred at the time of the dispute, i.e., approximately FOUR YEARS after the account was paid and closed, in XX/XX/XXXX and XX/XX/XXXX ( see the attached credit report info ). THESE FALSE DATA CONSTITUTE A FURTHER, EGREGIOUS VIOLATION OF THE FCRA. 

Possibly, Astoria Federal 's erratic credit reporting is due to technical incompetency rather than actual malice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Debt collection (Medical debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Please Help Me!!!! 

Identity Theft Victim 1. XXXX XXXX XXXX / XXXX = {$200.00} 2. XXXX XXXX / XXXX-XXXX = {$170.00} 3. XXXX XXXX / XXXX XXXX XXXX  XXXX {$64.00} 4. XXXX XXXX XXXX ( Assigned ) Credit Class ( Assigned ) XXXX XXXX XXXX = {$1200.00} Account # XXXX, Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX 5. XXXX : My Social Security Number # is completely wrong in there system I 've been fighting for 6 months too get it corrected ... 

Non Authorization Inquires : A ) XXXX XXXX B ) XXXX XXXX C ) XXXX D ) XXXX E ) XXXX XXXX XXXX F ) XXXX XXXX G ) XXXX XXXX H ) XXXX XXXX I ) XXXX XXXX : XXXX J ) XXXX K ) XXXX L ) XXXX XXXX : XXXX M ) XXXX XXXX : XXXX N ) XXXX O ) XXXX/XXXX P ) XXXX XXXX XXXX : XXXX Q ) XXXX XXXX XXXX : XXXX R ) XXXX XXXX S ) XXXX XXXX XXXX : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation