milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Trouble during payment process

Complaint: Hello, I have a mortgage with  Citizens One  home loans and a checking account with Citizens Bank, a stipulation of obtaining the mortgage, from which the monthly payment is automatically deducted. On   XX/XX/XXXX  ,  Citizens One  tried to pull the regular monthly payment from the account, but there were insufficient funds. On the online banking, there was actually a negative balance and I thought that the overdraft protection took care of it. Then, the funds were returned. Then they tried again. I transferred enough into the account to cover it on   XX/XX/XXXX  , but it took  XXXX  business days to clear, and  Citizens One  tried AGAIN on   XX/XX/XXXX   but they had n't arrived yet. My funds cleared on   XX/XX/XXXX   but  Citizens  stopped taking the payments and reported me lat e 30 da ys for   XX/XX/XXXX   and  60 d ays for   XX/XX/XXXX  . The funds sat there and the bank did nothing.     The result has been devastating : My credit went from the high  XXXX  's to  XXXX .  One creditor closed an account on me. I am now applying for a new m ortgage, and it is going to cost  me tens of thousands of    dollars more over the life of the loan because of this mistake.     I have contacted  Citizens One  on a number of occasions. Their response is that they had sent me letters. I was not in New York from   XX/XX/XXXX  -  XX/XX/XXXX   so I did not receive their letters. They said they made phone calls. I did not receive any phone call from  Citizens One . I asked why they did n't email me and they said they do not email. I asked why they did not take the funds from the account when they clearly saw them in there. One woman said they have " nothing to do with Citizens Bank. '' ( I was obligated to open this account when I got the mortgage, but then they have " nothing to do '' with  Citizens  Bank  ).      Today I spoke with  XXXX   XXXX  at  Citizens One  and she maintained that she * can not * my credit report because " they payments were late. '' I agree, the payments were late, but *only because the bank did not collect the funds from the account. * Since the mortgage was opened in   XX/XX/XXXX ,  the mortgage has been paid on auto-pay. You ca n't stop accepting payment and then tell me I am late! These marks are devastating to my  credit score  and history and completely unfair and untrue and do not paint an accurate picture of my creditworthiness. You can see by the attached Citizens Bank checking statement that they kept trying to take the funds and that I transferred the funds. All was well by the  * XX/XX/XXXX   of the month* and then it escalated to being late  30 days then 60 days! This is not an accurate picture of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I believe they over charge on my bill statement ... I pay every month but they still charge me for late charge ... I paid extra for my insurance every month but now they still bill me .... 
My payment used to $ XXXX/month ... .now I have to paid $ XXXX/month just for extra insurance, but i 'm ok with that until now ..they just sent me a note of default and intent to accelerate {$2100.00} have to due before XXXX XXXX 2016 .... I do n't know what that for?

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 01/27/2018 about Mortgage (Other type of mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Applying for a mortgage

Complaint: XXXX XXXX of XXXX XXXX, CA is a loan agent for PrimeLending in XXXX, CA is performing illegal mortgage loans by switching social security numbers of clients with good credit with those of his friends and family members so they will get approved. One family member I am aware of is XXXX and XXXX XXXX of XXXX XXXX, NV and XXXX XXXX, CA. XXXX XXXX also performed a false evaluation in 2006 for a XXXX XXXX XXXX XXXX XXXX, CA. He appraised the home for a considerably low amount and then sold it for a much higher price. I am aware that he switched appraisals with one of three homes in XXXX XXXX County at the time. One was in XXXX XXXX, CA. I have reported this to his employer and the XXXX XXXX County Assesor. I am also aware that he uses his clients information to open lines of credit for his own personal uses.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have previously disputed this information because I was paying the original creditor. I have no idea why I would end up in collections for this and never received any sort of notification. I think it is wrong that an account like this can even be reported to a credit bureau without the proper information being used. Unless this company is able to fully identify me as the owner of this account, I want it removed ASAP. I believe they have the wrong person because of what I previously stated and it is kind of weird because I still have electricity. So therefore, I must not be delinquent. I believe that my information was stolen in the XXXX  breach and someone is trying to use it against me. I want this company to stop trying to ruin my credit reports and delete all information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consolidated my federal loans in XX/XX/XXXX with XXXX XXXX/Navient with the sole purpose of qualifying for a loan forgiveness program. I even called and spoke to a rep about this in XX/XX/XXXX. 
Since XX/XX/XXXX, I thought that I was in a loan forgiveness program and always made payments on time.

In XX/XX/XXXX, I followed up with my provider, to inquire about how close I was to completing the program. At that time I was told that I had to be in a certain repayment plan to qualify for a forgiveness program. I was never informed of that- for years I have been making timely payments and my principle has not budged! It is literally the same amount it was when I graduated in XX/XX/XXXX! 
I am now in the PUBLIC SERVICE LOAN FORGIVENESS ( PSLF ) program which forgives loans after 10 years. I have always worked for a XXXX XXXX XXXX since graduating in XX/XX/XXXX. I should have received loan forgiveness by now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I mail a package to Experian because there are discrepancies in my credit report. In that package I mail a police report, a Identity Theft Victim 's Complaint and Affidavit that has been notarized, a document from the US Supreme court, and a name change with the supreme court. XXXX the representative stated that those documents were NOT sufficient and she ( XXXX ) and her department will NOT USE THEM. I contact the police department in XXXX county and the police officer XXXX over the phone explain that the " incident report '' and the police report are the same thing, that it was up to the police report at the time to choose how to file. She also stated that the " notoriety '' was insufficient and refuse to use these documents. In page 7 of the police report states that it can be sing in the presence of a law enforcement officer, a notary or a witness. She REFUSE TO TAKE ANY OF THESE LEGAL DOCUMENT. Stated that those were insufficient. She was yelling at me on the phone, talking over me and I let her know I do not want to speak with you I wold like to speak with your supervisor she stated they did not had any and I requested to be transfer to one. She put me on hold for over and hour. I also included documents form the US Supreme court and she also did not accept those. TWO other companies, XXXX and XXXX never had any issues with these LEGAL documents. I have contact my Attorney General office and they stated those document are sufficient. They have INCORRECT NAMES, ADDRESSES, COLLECTION THAT ARE NOT MINE. I HAVE SEND THE DOCUMENTS THAT PROVE MY NAME CHANGE WITH A US DISTRICT COURT AND POLICE REPORT AND THE IDENTITY THEFT VICTIMS COMPLAIN AND AFFIDAVIT.

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 12-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Out of work due to an injury that occurred at work. The doctor did n't release me to return to work yet and I am still following doctor '' s treatments and therapy.

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 05-01-2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CFPB just found this company to wrongfully try to collect a bogus Debt from me. They have since removed their collection from my  XXXX  credit report but now have appeared on my  XXXX . This company told the CFPB that they would remove EVERYTHING associated with me immediately. They have NOT. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Global Lending Services LLC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I lost my mobile home in XXXX XXXX Louisiana due to a XXXX flood. My insurance company declared it a total loss and I received a check for policy limits several days later payable to my mortgage company and then myself. The home was unhabitable so I contacted Wells Fargo Home Mortgage to find out how to use the funds to pay off the balance. 
My wife and I have XXXX small children, XXXX of which are in school. We found an apartment near the kids school and would not be able to continue to make mortgage payments and meet the rent at the apartment. 
Wells Fargo gave my wife and address to send the payment to and when I called to double check they directed me to a different address. The flooding here was widespread so Wells Fargo had a temporary office set up in a local church parking lot so I stopped in. At that pointime they gave me a third adress to send the payment to but advised me to wait for a " pay-off packet '' to arrive and send the payment with that information. A week later the packet shows up so I XXXX the check overnite to the instructed address. 
Days go by and I have n't heard anything so I follow up. First the representative denies receiving the check. When I gave them the tracking number they then inform me I sent the check to the wrong department and it was returned to sender. After two weeks I called my insurance company and requested a stop payment on the original check and to be re-issued another check. That 's a 10 day process. The check was mailed XXXX/XXXX/16, I received it XXXX/XXXX/16. I 'm afraid to send it anywhere. I do n't trust Wells Fargo and believe I was intentionally mislead by them to drag out the interest payments on my loan. I also believe I should not be responsible for the interest accrued after they initially received my check ( which almost a month later, has yet to show up ).

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 02/15/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: You have previous complaints from XXXX XX/XX/XXXX The response from SPS was they have everything for review, yet as of today they have done nothing.As I have said previously I SUBMITTED EVERY PAYSTUB/TAXES FROM XX/XX/XXXX to the many times. 
Im requesting that you ESCULATE THIS TOO THE US ATTY GENERAL OFFICE and get a stay from any further procedings IF SPS refuses too file motion to dismiss voluntarily. 
This is insane and CAN NOT BE ALLOWED.Im aware that they r under FEDERAL INVESTIGATION. 
Please ESCUALTE AND STOP THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: Bank of America sent me a notice via US mail and in my account that if I opened up a qualifying checking account and set up and received a qualifying direct deposit totaling {$4000.00} or more within the first 90 days of opening the account by XX/XX/2017, I would receive a {$300.00} Checking Account bonus. The details go further to state, " If you meet all the Requirements to Receive the {$300.00} Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. '' I reported to them that I met the qualifying factors as of today XX/XX/2017. A BOA representative then informed me I have to wait the entire 90 days then 60 days thereafter and that is not what the promotion states. I have met the requirements WITHIN the 90 days as required and expect the {$300.00} payment 60 days from this aforementioned date, now they are telling me they are not going to honor the offer they made ( which I still have in writing and digital copy ).

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 04/13/2015 about Debt collection (Non-federal student loan) with National Enterprise Systems, Inc. (ME).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Credit card) with The CMI Group, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with National Consumer Telecom & Utilities Exchange, Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX previous CFPB complaints for the same issue still unresolved. 

Company is unable or unwilling to send my National Consumer Telecom & Utilities Exchange report I asked for via postal mail. 

CFPB complaint # XXXX - No report was ever received. Company claimed to have mailed it out. 

CFPB complaint # XXXX - Company mailed me an XXXX report I did n't ask for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My account balance was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filedXX/XX/XXXX. To date the financial institution has continued to report my account negative to XXXX XXXX. I was granted relief from this debt and I want the account removed from XXXX XXXX immediately.

Company response to consumer: Closed with explanation