milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was placed on a 6 month payment plan with my mortgage company wells fargo due to an unforeseen temporary hardship last year. My first payment of {$3300.00} was to start in XX/XX/XXXX ending XX/XX/XXXX. During that period of time I was told by a representative of Wells Fargo that there was a {$5000.00} credit to be applied as payments to my account and that I should only make a payment in XX/XX/XXXX of {$1600.00}. When the next payment plan was due of {$3300.00} I paid and have paid according to the instructions of each individual I have spoken with at Wells Fargo. I made my last payment on the repayment plan on XX/XX/XXXX in the Wells Fargo Branch. I was told by Wells Fargo that I am past due four payments and that the {$5000.00} was a principal reduction and not posted to payments. the representative mislead me to believe that the money was being applied as payments. I asked why no one has notified me that the payments were reversed? I asked for a new payment plan and was told nothing can be done. Again I asked why no one contacted me and if it is documented that the representative gave me the wrong information they should be able to assist me. They now want to foreclose! In speaking with XXXX XX/XX/XXXX at XXXX am he informed me that he saw the notations and that yes it was improper information given to me. I asked that my issue bw escalated to a supervisor. XXXX escalated to a XXXX XXXX who informed XXXX nothing could be done. I was told that I need to come up with {$9400.00} in 14 days. All the while the payment plan and instructions from their representatives mislead me to believe that I would be current in XX/XX/XXXX. I am very frustrated that I did exactly what I was asked to do and I do not have the money to bring my account current.

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 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I send a police report report together with other to Eperian requesting account that did not belong to me to delete them and also to update my records as letter stated from the creditos. Also send them copy of drivers license for the verification of my of my identity since I am victim of fraud and they know about it. The police report included everything they are putting on their response. They refused to block eventhough they have copy of my police report and my XXXX creditor.s

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 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a Citibank credit card in XXXX, and a week later I got a mailed offer of an opening reward way higher than mine. I tried to call the customer service several times but they 're not willing to match the reward because they said the reward is for new customers, which ironically I am. I seriously doubt if the lady understands English.

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 11-09-2017 about Debt collection (Medical debt) with Rash Curtis and Associates (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Rash Cutis and Asso. contacted myself XXXX about a debt ; I stated my medical bills were paid when I moved from CA and never received a bill they are referencing. I told them to provide validation of the debt via mail and if it was valid, I would call them back to remediate. Until then, stop calling. The guy said he could email me the bill. I responded how can you securely email my bill if that is PHI data? He said it would be encrypted. I asked how? How can an email be encrypted if I do not have a copy of the public key? he had no answer. I told him he can not send me encrypted email without the recipient having the public key. I told him that he lied to me and attempted to deceive me and he apologized. I told him to ensure that I am not called since his approach lacks the ethos that is expected in the industry. He also told me if I give him my credit card info and pay, he would make sure it was " like it was never on my credit report since he had connections to do that ''. 

The following day, I have received five calls from robots ( no one there ) and disrupting my day. I am also receiving text messages when I never authorized texts and incurring cost. I called the number after the text and asked why am I receiving texts? I was told I should not be and that they have not validated the debt. I also asked why am I getting calls if I asked to be removed? XXXX said well it was my and implied the longer I wait that it will get worse.

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 JPMORGAN CHASE & CO. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX/JP Morgan Chase Bank shows on my XXXX  report with late shows and the loan was transferred by JP Morgan Chase Bank with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by JP Morgan Chase Bank on there part in which caused a lot of errors and I disputed to JP Morgan Chase and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by JP Morgan Chase Bank. 
XXXX has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX/JP Morgan Chase Bank. 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by J P Morgan Bank nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Paid the full balance due on the date the payment was due.I received a bill for the Interest for the month the I just paid for.I never had a bill that included a pay-off amount that was in correct and nowhere on the bill does it say the pay off amount is n't really the pay-off amount.I received a bill for a month of interest.even though I send a check to pay the card off.It 's a sneaky way to make Millions of extra money on the backs of Consumers who does not know.They also have a call center that purposely discourages anyone to use it because the average wait time is anywhere from 45 minutes to 2 hrs.

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 07/16/2015 about Bank account or service (Other bank product/service) with First Data Corporation (AZ).
Issue: Making/receiving payments, sending money

Complaint: MY name is XXXX XXXX XXXX. I work for XXXX XXXX since XXXX. At the beginning of my employment, XXXX deposit my paycheck with the ADP Bank before my personal account was set up. After the personal account was established with the XXXX XXXX Bank, XXXX XXXX direct all the new deposit to the new account. ADP bank closed my account on XXXX without notification to XXXX or to me.the account remain in it over {$2500.00}. On XX/XX/XXXX, I received an old letter dated XX/XX/XXXX was forward to me through the post office from ADP bank saying the account is closed. I contact ADP bank more than XXXX times every time I call they ask me for the new address. I had to speak with XXXX supervisor for the same issue. they promise to send me a check, but never happened. they do not want to release my money. on XX/XX/XXXX the XXXX payroll personal ( XXXX ) called the ADP and I was on the XXXX line with them, XXXX ask them to send me a check with the remaining amount. the ADP promised to send me a check within 3-5 business day, but never happened. XXXX ( XXXX payroll personel ) Ph # is XXXX. 
My ADP Acc Debit # XXXX. ADP ph # XXXX. 
AM asking you in my behalf to speak with ADP to release my money. it is urgent. I need to pay my mortgage and other bills. thanks. if you have question please call me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Jefferson Capital Systems attempted to collect a debt from me on a XXXX XXXX account from 2013. We have repeatedly explained that this is not my account, but no one will remove it, including XXXX. We 're getting more and more angry as time progresses as the tactics get insane and obscene. They 're now harassing my father as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: At XXXX XXXX on XXXX/XXXX/18, I received a call from cotton wood financial in regards to a debt of XXXX I owe. The debt collect ask if it was me after I confirmed it was me and my information she immediate escalated her attitude and became very rude and questioning my integrity. I have escalated on the call and she returned the profanity. 

I have been working with he company to resolve my debt and have already paid half of what I owe. I had called back and talk to a supervisor in regards to their debt collections procedures and policies in regards to her blatant disrespect and escalations. 

During the first part of the call my demeanor was calm and professional until the rep XXXX had became offensive, duragatory and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I called Seterus Inc. onXX/XX/XXXXat XXXX eastern time. I was requesting them to cancel my PMI as I am now below the 80 % threshold required. My mortgage began in XXXX of XXXX  and the original principal was {$84000.00}. Current loan balance is {$67000.00} or 79 % ( after i made my XXXX payment ) of the original balance. I called them to cancel my PMI and the response i got was that i would have to pay {$350.00} for an appraisal and that they " can't take my word that the property is worth what i say it is ''. I pressed them further stating that I can request PMI removal per federal law after I met 80 % of the ORIGINAL appraised amount and they still said they couldn't take my word for it. I refuse to pay {$350.00} to save {$41.00} a month when i have met the 80 % criteria.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.

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 01-03-2017 about Debt collection (I do not know) with JP RECOVERY SERVICES, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RECEIVING TEXT MESSAGES ON THE APPLICATION " GOOGLE HANGOUTS '', REQUESTING I CALL A CERTAIN PHONE NUMBER TO DISCUSS DEBTCOLLECTION, FOR DEBT I DO NOT HAVE. CLAIMING TO BE FROM A XXXX. THEY HAVE CALLED ME AND LEFT BLANK VOICE MAILS ON THE APP. AS WELL. PHONE NUMBERS FOR SCAM ARE AS FOLLOWS ; XXXX AND XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 01-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: I was charged a Monthly Maintenance Fee of {$12.00} for a statement cycle. They required me to maintain a minimum of {$1500.00} a day in the statement cycle for the month. When I contacted them, I was told that I was charged for a cycle from previous statement, and were reluctant to give me a refund

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 06/29/2017 about Debt collection (Other debt) with A.R.M. Solutions, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: OnXX/XX/XXXX, I received a debt collection letter from A.R.M. Solutions, Inc. about a {$19.00} debt from their referenced client XXXX XXXX XXXX ( XXXX ). I returned the original letter, wrote them a cease communications letter and sent them via certified/return receipt mail onXX/XX/XXXX. <P/>A.R.M. Solutions, Inc. received my documents on XX/XX/XXXX. In my cease communication letter, I explained them I will be contacting XXXX about this debt and I do not want to deal with A.R.M. Solutions, Inc. <P/>The debt was written off sinceXX/XX/XXXX when I called XXXX. <P/>A.R.M. Solutions, Inc. ignored my cease communications letter and sent me another debt collection letter which I receivedXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am being contacted by XXXX XXXX XXXX for an account that is not mine. I have advised them the account is not mine as I am a victim of Identity Fraud. XXXX XXXX continnues to call me and harass me asking me for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: As is normal now, I received an email from Bank of America that my financial info may have been compromised at an 'undisclosed merchant. ' The bank and merchant should be be disclosed, so I can decide how to proceed. Not having to disclose the merchant helps remove certain accountabilities. 


Security Alert : We 're Issuing You a New Card To Help Keep Your Information Safe We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon. 
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX/XXXX/2016. 
Your security is important to us We 're continuously monitoring your account ; however, if you do notice any charges you did n't make, please call us at XXXX, 24 hours a day, 7 days a week.

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 01-02-2018 about Debt collection (Credit card debt) with Adler Wallach & Associates, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I just wan na get my credit fix please I was XXXX and careless many years back

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01-05-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is that our house was foreclosed on XXXX/XXXX/2016. During this time our application for modification request was in review ( as noted on the XXXX Notes ) Please take a look at the letter dated XXXX/XXXX/16 where it states Ocwen was acknowledging the receipt of the application for assistance, when in fact, this request for assistance had been submitted back on XXXX/XXXX/2016 ( Listed on the XXXX Notes ) Also, please make note as to how many Ocwen representatives touched this file -- there should only be XXXX Single Point of Contact or Account Manager working the file. Due to the fact that Ocwen is a servicer for XXXX XXXX Bank, and under the scrutiny that XXXX XXXX has been under, here is another case that should be reviewed for the discrepancies by the Servicer, Ocwen. They created DUAL TRACKING and foreclosed on this house while in Modification Review.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Other financial service (Check cashing) with CrossCheck, Inc. (VA).
Issue: Customer service/Customer relations

Complaint: I wrote a check at my optometrist for glasses and they ran the check through Cross-Check for verification. The check came back declined, not for lack of funds, or bad check history, but the optometrist thought it was because the check number was too low. There is more than sufficient funds in the account. I contacted Cross-Check and you can not get a live person. I filled out a request for a credit report and reason and the report came and said : " Cross Check has detected no negative data regarding you or your check writing history. In addition, CrossCheck did not access any other source in evaluating whether to approve your check. Rather, in this instance, CrossCheck decided not to bear the risk of your check 's dishonor based solely on industry parameters that CrossCheck established. " This basically said that the industry parameters are their own and the declined the check because they felt like it. If it is indeed because the check number was too low ( although they did n't say so ) what should I do, throw out all my checks and start at XXXX? They have not given me a reason why I was forced to use a credit card. Will this random and arbitrary event happen again? This is outrageous. It 's also embarrassing to be told in public with lots of people around that your check was declined. They should not be able to make this determination without a real reason.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Coastal Credit, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Coastal Credit, LLC out of XXXX, TX contacted my neighbor on her cell phone several months ago and left a message that they were trying to reach me. I called back and it turns out they 're trying to get in touch with a woman who shares the same first and last name as me, who lives on the opposite side of the state. She has a different middle initial and is a decade younger than myself. I know this because he tried confirming I was her by giving me her full name, date of birth and city of residence. 

Today, I get a call from a coworker who says she got a call on her cell phone from Coastal Credit, LLC trying to reach me. I called back and it was the same person from Coastal Credit still trying to get in touch with this other person. He tried confirming I was this other person by giving me the street she lived on. I had enough information between both calls to pull up this other persons address, phone number, prior and scheduled court dates and public voting registration. 

Coastal Credit has been told twice that I 'm not the same person they 're looking for, have no outstanding debt, no account with them and they 've been asked to stop contacting me and my known associates. When I asked how they got my neighbors and coworkers information, the response was, " It 's just what we do. '' I have no idea how my information has been mixed up with this other persons even though we share a first and last name, but on two occasions they have contacted friends and coworkers. If I 'm not mistaken, according to the Fair Debt Collection Practices Act, they ca n't contact 3rd parties trying to collect a debt. They also shared this woman 's information to a 3rd party to the degree that I could walk up and knock on her door if I were inclined to drive across the state.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Equifax reported this on my credit report XX/XX/XXXX I never received notice from this company XXXX of rights to dispute which is against the law. This delinquency was first reported on XX/XX/XXXX by law it is supposed to be deleted after the first date of delinquency 7 years later. Instead they newly reported it to my credit report. Since disputing this item the company has reported this item every month in spite. Which is against the law and harrasment.

Company response to consumer: Closed with explanation