milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: My mother and I closed on the home in XXXX XXXX, during this time we were told by the loan officer that the mortgage payment included property taxes and insurance. Our monthly payment was XXXX. Six months later we received a notice to for payment due for the taxes. After corresponding with the realtor and loan officer, we were told that we would not have been financially eligible to afford the additional payments with the loan. We were advised to refinance after residing in the home for a year to receive lower payments. The loan officer asked me to contact her the following XXXX, in which I followed through. I left XXXX voice-mails and never received a return call. My mother and refinanced with another lender as a result. My mother died in XXXX. I was able to continue making payments with the support of family members. In XXXX, I applied for and was granted an Home Loan Modification. I was employed as a XXXX XXXX XXXX from XXXX until XXXX XXXX when my business closed due to lack of enrollments. As of XXXX XXXX, I am gainfully employment, however ; my home is now in foreclosure status. The initial home loan had high interest rate. My mother and I were misguided with the information we received from the involved parties during closing. The refinanced loan also has a high interest rate ; we accepted this loan because we felt we had no other recourse than to move out of the home. Although payments were made up until my unemployment, there remains a large portion due for the first loan. I asking that CFPB would review my loans and find a possible resolution for the balance of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received my credit report in XXXX of XXXX and noticed this collection agency called NATLCRSYS were trying to collect a debt from me for an unknown source called XXXX XXXX. I had no knowledge of this account that stated it was a collection of $ 1,000+. I attempted to dispute this debt in form of receiving VERIFICATION from this agency showing my signature on a contract where I agreed to owe this amount at any point in time. They have constantly updated this account on my credit report and closing the dispute without ever sending me verification of this account and the proof of how it is my debt. This has been going on since XXXX of XXXX. I would like to have this account deleted and removed from my account because it is not my debt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: Transunion is reporting chapter  XXXX  bk on my credit report on  XXXX   XXXX ,  2015 . I have send information from bankruptcy court stating courts do not verify a bk and transunion continues to report a bk on my report. This is the only bureau that reports this. They refuse to remove with the proper documation submitted

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 05-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Today  XX/XX/XXXX  I will be sending in documents.     Sale date issued - violation of RESPA - I never ot notice of the sale from OCWEN or   XXXX   XXXX   the bank being investigated fro   XXXX    money laundering.     I was force to file chapter  XXXX  to stop the sale date. I had to go through this last years and filed chapter  XXXX  last years as well due to the same actions. I have tried to modify since  XXXX  when  Litton sold to OCWEN and used forced placed insurance when I had insurance.     I am part of the  Litton/OCWEN Settlement for  the " Constant Judgment '' against OCWEN. I seek the written requirement that give those harmed the ability to modify under consumer relief for those that want and can save their homes. I want and can pay for this home.     Now more fraud while under Settlement of RESPA violation of no notice for a sale date. Only by Realtor 's did I learn of the sale. Please help, sending in documents today   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Delinquent account

Complaint: All through XXXX I received robocalls from a female robot urging me to contact Citibank about an " urgent '' problem with my Home Depot account. I do not have a Home Depot account. I called XXXX XXXX XXXX XXXX a Citibank customer service number. I spoke with XXXX -- # XXXX -- very kind woman who spoke to a few people in " escalation '' to find out why I was being called. She confirmed that I did not have a Home Depot account -- there was nothing in the system attached to my phone number ( which IS on the Do Not Call Registry ) or my SS #. Citibank could not explain why I had been receiving these unpleasant, harassing " URGENT '' calls about my credit! I was on hold for approx 20 minutes -- and it occurred to me that Citibank employees were being PAID to take my call, but I was not being paid for the time it was taking me to find out why Citibank was robocalling me in error. So I decided to report this to the FTC. It is not acceptable that Citibank is free to robocall consumers. Citibank should be required to have a human being VERIFY that a phone number in their delinquent database belongs to an actual delinquent account. I then spoke with XXXX 's supervisor -- XXXX -- XXXX, who said there was nothing Citibank could do to compensate me for my time or the upset of receiving these calls. All he could do was apologize. I just do n't think that 's a good enough response. I look forward to your thoughts. The {$180.00} I am claiming as a loss reflects the value of my time spent on the phone with Citibank and to type up this complaint. Tack on some more for emotional distress. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a medical bill that was owed from XXXX 2009 for {$540.00} to XXXX HospitalXXXX @ XXXX XXXX XXXX, XXXX XXXX TX XXXX ph # XXXX acct # XXXX. The collection agency Commonwealth Financial systems Inc ph # XXXX sent me collection letter on this. I pulled my credit to see that they had the same amt XXXX on my report. I called XXXX Hospital/ XXXX XXXX Services and the bill was due which i moved and did not get the bill. I settled the acct on XXXX for {$160.00} and paid it and told the rep that the XXXX acct they had was a dup acct and they were supposed to contact client on matter which has not been done. I called the client to find that they do not know who Commonwealth Financial systems Inc is. The client said they work with XXXX XXXX XXXX ( collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ph : XXXX and they also have the account and balance and they do not know who Commonwealth Financial systems Inc is. I called Commonwealth Financial systems Inc and spoke to the collection manager XXXX XXXX XXXX on XXXX and told her all of this and she stated that they will not call the client and that I needed to resolve this even if they have the wrong details and will not contact the client to resolve. Therefore I consider this FRAUD and they have been paid nd I have a letter from them showing it was settled for {$160.00}. I need your help in resolving this matter due to they are reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (Conventional home mortgage) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Trouble during payment process

Complaint: I have attached the narrative and references detailing this complaint along with many copies of our letters and responses from Webster Bank. I have more information - like proof of delivery - that I can provide upon request. 

Webster Bank, over the past 9 years, has refused to provide a chain of title regarding our mortgage, as well as refusing to supply us with accurate contact information for the owner. These are the subject of this complaint. 
Please note that in XXXX of 2014 - a letter from attorneys accompanying the service members relief and the notice itself do not mention the owner of the mortgage at all. 

Throughout the correspondence between us and the bank there are clearly other issues at play, including dual tracking, which was the subject of a previous complaint, and pyramid fees, refusal to provide cogent information about our payment records, abusive including calling us names, leaving strange hand-written notes on our door, and harassment that have caused distress and health issues. 

This bank clearly does n't understand the applicable laws in certain areas including the chain of title, subject of this complaint. 

If I have omitted any of the referenced correspondence please let me know and I will send it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with Nationwide Recovery Systems, Ltd (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill from Nationwide Recovery Systems out of XXXX, TX around XX/XX/XXXX, Stating I owed XXXX XXXX money in the amount of XXXX the woman I spoke to at Nationwide Recovery was more than nice, the trouble I am having is from XXXX . after speaking to nationwide recovery I was given the account number accociated with my name, My name is nowhere in their system, is what I was told multiple times everytime I asked for a supervisor they were " out to lunch ''. After calling lincare 3 times I finally got to talk to a supervisor who informed me the account number that was sent to the debt collector was from the year XX/XX/XXXX, I was XXXX years old year in the year XX/XX/XXXX. I 'm trying to purchase a home and do not need this on my credit score. Ive explained this to lincare multiple times but they are n't getting anything done. Its been almost 4 weeks that I have been stressed out about this and I need it resolved asap, I have stayed in touch with nationwide recovery and they have been great. I need to have this resolved, this is a 17 year old account. I was informed yesterday after attempting to contact the supervisor for lincare 6 times since last Friday that someone was looking into the archives to find the file, if it is in the archives how could it be sent to a debt collector on XX/XX/XXXX? I would appreciate it if you could help me resolve this matter quickly, I did n't want to leave a bad review but this is my credit their affecting not theirs. thanks for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Filing this complaint towards BSI Financial Services, for double billing of late fee. The borrower, been making monthly payments dating back to XX/XX/XXXX. All monthly payments are been payment by bank cashier 's check. Payments have the standard monthly amount and monthly late fee amount, all included in the payment. For Example : Regular monthly amount of {$2100.00} and monthly late fee amount of {$66.00} for a total payment of {$2200.00}. The payee ( Borrower ), been making payments of {$2200.00} each monthly. The payment covers the regular monthly and late fee. The problem with BSI Financial Services, not crediting the late fees to the Borrower 's account. For the past XXXX seven months. BSI Financial Services Customer/Collection Representative been calling the borrower, and asking when will the payment be made. The Borrower, has questioned the representative from BSI Financial Services, why do XXXX XXXX being billed for {$370.00} in late fees, when the late fees are payment each with the regular monthly payment. The BSI Financial Services Representative " Told '', the borrower 's, the late fees " Will Not '' be credited to the account until the is current, which is the company policy. The Borrower, informed and requested, per telephone conversations with the BSI Financial Services Representatives each month for the past 6 or 7 months ; ( 1 ). BSI Financial Services need to credit the late fees to the account. ( 2 ). The borrower, requested a copy of the BSI FInancial Services Policy, which states, why the late fee are not the credited. ( 3 ). The borrower, informed BSI FInancial Services Representatives, that there action is wrong and if this continues and the late fee are not credited to account, a formal/official complaint with be filed. ( 4 ). As of this date XX/XX/XXXX, the borrower did not received a copy of late fee policy as requested for the past few months. On XX/XX/XXXX, The borrower got Reminder Payment Notice, which shows a new late fee amount of {$440.00}. This action shows that BSI FInancial Services continue to charge the borrower monthly late fees, and still failed to give credit for late fees, which have been already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/27/2018 about Debt collection (Medical debt) with Hollis Cobb Associates (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have turned this debt over to a credit management service. I had 2 accounts with  them and they have both been placed on the credit management plan. They are receiving payments from this service on a regular basis, but they still call me multiple times a week. The few times I have spoken to them, they are aggressive and rude. Telling me they will contact my employer to garnish my wages and that I can go to prison for not paying the debt that they are receiving payments on. When I asked to speak to a supervisor or if the calls were monitored, they told me they were not recording the call and I can not speak to anyone in a supervisory position until I pay the debt owed. 

I have now blocked their calls, but they continue to call and leave repeated voice mails. Many times early in the morning or late at night. I refuse to take their calls due to their aggressive nature.

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 BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is attorney XXXX XXXX XXXX, I contacted Bank of America to help with a pro bono case in which I 'm representing a relative who has experienced a financial hardship. Bank of America required that I file a power of attorney with the bank prior to discussing any of my client 's account information. Thus, I filed a power of attorney. 

It has now come to my attention that Bank of America has improperly added me without my consent as an authorized user on my client 's account in question ( XXXX ). I did not authorize and or provide my social security number, but was just alerted that the account in question is now appearing on my personal credit profile. I was just denied refinancing on my mortgage because of this unauthorized credit reporting by Bank of America. 

It is my opinion that Bank of America has violated the Fair Credit Reporting Act. I require that Bank of America immediately remove this information from my credit profile. It was explicitly clear in my power of attorney letter to Bank of America that I represented my client specifically as to the financial hardship with the purpose of resolving past due payments, and at no time did I request to be added as an authorized user. I believe Bank of America 's operational procedures are skewed and that one of the front line agent 's improperly added me as an authorized user and subsequently damaged my credit profile.

Again, my communication with Bank of America was very clear that I was ( 1 ) representing my client in attempt to resolve a financial hardship and ( 2 ) did not provide any consent to be added as an authorized user. I want to bring this to the attention of the CFPB, as I believe there are operational issues within this bank, that can lead to violations of the Fair Credit Reporting Act.
I will also be invoking any legal rights I may have in pursuing damages outside of this complaint process, not limited to but including litigation.

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 12/15/2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NM).
Issue: Loan modification,collection,foreclosure

Complaint: We contacted our lender XXXX Mortgage in XX/XX/XXXX and told them I had been injured with a XXXX and was removed from the State of XXXX. Husband had lost his job and insurance due to having to leave a job in XXXX to come save my life in XXXX. XXXX XXXX XXXX diagnosed XXXX XXXX XXXX, due to my XXXX there was nothing else that they could do for me. On XX/XX/XXXX my husband brought me to XXXX XXXX where I could receive emergency treatment for Brain injury, neck injury and starvation. We were approved by the VA for a special circumstance approval for short sale. However they refused to provide the needed documentation in order to complete the sale. Instead they sold our loan to Freedom Mortgage Company and set the Auction for XX/XX/XXXX. We had another short sale buyer but could not get the needed and required documents from them either after repeated calls from us and our real estate agent. Our buyers were there for the auction however no one should up. I called them and was told it had been postponed for the short sale they would not cooperate in providing the documents. Auction rescheduled for XX/XX/XXXX. 
Legal notifications do not required the correct spelling of our names in the State of XXXX just the correct number. However to get the VA insured loan our documentation had to be complete and correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Installment loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MN).
Issue: Managing the loan or lease

Complaint: I purchased a 2011 XXXX XXXX. GM Financial financed the purchase. I elected to purchase GAP Insurance ( was not required ). The amount of the installment contract was {$440.00} a month - {$460.00} with the optional GAP Coverage. I have since cancelled the GAP Insurance - but GM Financial continues to bill me the {$460.00}. If the {$19.00} a month is n't going toward the insurance - where is it going?

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: I am trying to work with Wells Fargo on a  short sale process, I have a buyer and we are attempting to negotiate an agreed upon value to move toward scheduling a closing date. This is all being pursued with a pending Foreclosu re Sale Dat e of  XXXX / XXXX  /2017.      The first complaint is an unwillingne ss of Wells Fargo  to adjust the pending foreclosure sale date in order to allow proper negotiation in good faith.     The second complaint is a general lack of cooperation by  Wells Fargo  in negotiating an agreed sale price in good faith. I have a buyer, an offer and counter offer has been submitted alone with pictures and estimates of work that would need to be done on the property which supports the counter offer. It has taken nearly  three weeks to get a response from Wells Fargo. The original offer was {$990000.00}, Wells Fargo  countered with {>= $1,000,000} and then my buyer countered with {>= $1,000,000} along with the documentation of work to be done, supporting that price. They are now saying the " valuation dispute '' has been denied but the {>= $1,000,000 } may s till be accepted??? and they want to know if that is our final offer. This makes no sense as the " valuation dispute '' and " the counter offer '' are  XXXX  in the same.     A continuation of years of struggling with how  Wells Fargo operates and the lack of sincere intere st in reaching resolution.     It should be noted that this short sale effort is being pursued only after a VERY lengthy and painful process of struggling to work wit h Wells Fargo over MANY  years. This long and troubling process is related to previous concerns about the underlying documentation of this mortgage. This is a  WELLS FARGO  MORTGAGE BACKED SECURITY LOAN which has numerous issues associated with it 's history and the mortgages proper conveyance. Such as issues relating to the need of mortgage loans to be transferred to a related trust within 90 days from closing and other subsequent transfers which cause the validity of the underlying mortgage to be questioned.     In an effort to move on from this concern, due to an ongoing divorce proceeding, the short sale process has been embraced. At this point in time that process has developed into a new and troubling concern.     Please advise.

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 03/31/2015 about Debt collection (I do not know) with Revenue Assurance Professionals LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

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