milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: In response to a public offer, I opened a CitiBank checking account XX/XX/XXXX. As of XX/XX/XXXX, I met the requirements for a {$400.00} bonus, which was to post to my account by XX/XX/XXXX. To date, no bonus.

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 11-06-2017 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: Account information incorrect

Complaint: XXXX XXXX is reporting account is charged off when it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: The creditor in question, XXXX, XXXX XXXX XXXX, XXXX ( hired by Midland Funding LLC of XXXX XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX District Court. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided XXXX, XXXX XXXX XXXX, XXXX with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Federal student loan debt) with ConServe (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt was in collections. I paid it off in full for the amount of {$120.00} on XXXX XXXX, 2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry. Tax Lien XXXX Verify and corroborate the information filed in the status, date filed and plaintiff. It seems incorrect and it could be harming my credit worthiness, please correct this or else have it removed from my report XXXX XXXX XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company. UNKNOWN XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. 
I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Medical) with Tormey Bewley Corporation (AR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: So I called Albuquerque collections to find out what I owed and what payment plan I could get on to pay the debt off. The women was not understanding what I wanted and I was told it was common sense math and I should. I felt XXXX as I am the one that wanted to do the right thing. Then when I advised her I would not let her get a dime of commission off me. She then told me it did n't matter it was already her account. She also told me that accounts that where not repoting to my credit where. THAT IS ILLEGAL.

Company response to consumer: Closed
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXXUpdate to Complaint XXXX regarding Nationstar Mortgage ; I was paid on the afternoon of Friday, XXXX XXXX. I logged into XXXX to pay my mortgage principle, interest, actual escrow, and late fee. Nationstar 's online system would not allow me to pay ANY AMOUNT except the total amount they deem owed - i.e. the additional $ 400+ they are trying to collect as a RESPA ALLOWABLE 'cushion '. I called Customer Service and was told that they can not accept any payments except the TOTAL AMOUNT NATIONSTAR DEMANDS either. I was told I could mail or XXXX XXXX a payment but until the Escrow Account Dispute was settled, my payments would be held in suspense, and I would have to pay the additional 'Escrow Shortage ' - THERE IS NO ACTUAL ESCROW SHORTAGE on my account for my payments to be credited and not considered in default. 

I asked repeatedly if that tactic was legal?? I was attempting to pay IN GOOD FAITH the amounts I owe to principle, interest, actual escrow amount, and late fee! How could Nationstar refuse? 

I was told over and over that they were trying to HELP ME and give me alternatives to pay what I 'wanted to pay via XXXX XXXX or the postal service. ' We can escalate a resolution but it would n't be solved for at least XXXX more days - within XX/XX/XXXX. I asked - why just escalating now? I filed a complaint with the CFPB and have received a mailed written response from Nationstar that it was being 'reviewed ' - NOW you can escalate it - but without accepting XX/XX/XXXX 's payments I am trying to make, and keeping XX/XX/XXXX 's payments in 'SUSPENSE ' - tomorrow I will be in the second month of DEFAULT? 

How is this legal? or HELPING ME? I hung up. I immediately emailed Nationstar Customer Service with the above complaint. 

I had to leave to go to work - I could not go to the bank, then to a XXXX XXXX provider to wire the payment I legally owe and am happy to pay. 

Today, Nationstar has my mortgage account in 2 month default.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Non-federal student loan) with Southwest Credit Systems, L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Payday loan () with Enova International, Inc. (WI).
Issue: Received a loan I didn't apply for

Complaint: I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Using a debit or ATM card

Complaint: I called into the bank about a credit limit increase. I was concerned about a hard inquiry to my credit report. The representative informed me she would make a change to my online account, informing me to preceeded and assured me it would be a " Soft '' pull inquiry. I applied and called back to confirm my previous call and was again assured that it would be a soft pull. Well it was n't and they Lied like really lied. They are refusing to remove a hard inquiry that I did n't not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have no knowledge of this debt and I did not receive any communication on this outstanding Medical bill and did not receive notice of my rights to dispute this debt before it was added to my Credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXXThis morning i woke up to catch my credit reports in a last ditch effort to see why my application to an apartment was denied. I checked all XXXX, and was only able to get my XXXX report. After looking it over, the reported information is correct. 
However the other XXXX i was unable to obtain due to some extremely obscure questions the system was asking me : Auto loans opened in XX/XX/XXXX, And XX/XX/XXXX ( I do n't own a car ) Credit cards with shopping centers, and banks, some in other countries. ( I have n't owned or been able to get a credit card, nor have i been XXXX. ) All of these things are quite are making me quite concerned. and I 've been unable to understand what is going on. 

I 've applied for XXXX credit cards in my life, ( XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, respectfully ) and XXXX were denied. I 've personally had past issues checking my credit, but wrote it off, as I never really required credit up until this point in my life. 

Judging from the questions i was asked, I have apparently applied, and got, several cars, houses, and loans in not only the United States, but somewhere in XXXX as well? 
I have n't been out of the state of TN since I was XXXX, ( i am XXXX, going on XXXX ) and I 've not been XXXX since a cruise I took when I was under the age of XXXX. 

I 'm a good, honest, and hard working individual that wants to get his life together, and pay back what i *DO* owe to *AN* apartment, and a single hospital bill, both totaling out to a little over XXXX XXXX ... 
I 'm concerned that my identity has been stolen, and scared that i 'm screwed and do n't know how, or where to proceed from here! Please, somebody out there help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: OCwen loan Service. On XXXX/XXXX/XXXX OCwen Loan FL. was given Income statement and Forms over telephone for Modify Loan. On XXXX XXXX another Package was fax and Mail to XXXX location, XXXX. {$42.00}. As of XXXX XXXX Still no confirmation of Modify Loan. Ocwen Request fund wire A non-modify to XXXX. XXXX was paid. But My bank said the information is incorrect. to please get the right Address information before transfer again. 
I have tried to talk to my rep. Two week before you can get answers. try to contact. 
Now Ocwen is sending out Past due notice saying payment from XXXX to XXXX I keep informing them about the Modify. No Answer Ocwen. Ask them would they pay my property Tax.. they said once it Modify.. just last week they said they still working on Modify loan. it do not take 6 months to Modify A loan.. Since XXXX Ocwen took over this loan from GMAC and XXXX XXXX XXXX original loan was only for 2 months Before transfer to Homecoming finance, GMAC, Ocwen. Complaint on this Mortg. has been goin on since XXXX. Need to research this loan detail. I will pay once I get A confirmation Letter from Ocwen when this Modify is completed. as of XX/XX/XXXX.not completed by Ocwen. 
Many case has been file Case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (FHA mortgage) with Selene Finance LP (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been informed that our home mortgage have not been properly handled during the modification back in XX/XX/XXXX. My wife lost her job in XX/XX/XXXX due to being laid off. Once we discovered she lost her job we immediately call XXXX XXXX XXXX about our income change. That 's when we decided to go through the modification process. We never stopped making our payments. We did not have the income to pay the full amount so we paid half the mortgage payment to keep some form of payment documented. XXXX XXXX XXXX said the amount of the money we were paying would be added to the end of our loan once the modification was complete. The estimated amount of money that we paid toward our loan during the modification process was est. {$13000.00}. XXXX XXXX XXXX dragged this modification alone for over 2 years or more. We have been thinking about selling this home and buying a new XXXX but discovered a few months ago that we are upside down on our mortgage. Everything we have ever paid on our loan was not applied to our loan. When we finally received our final notice of the amount of mortgage payment change the cost of the loan had went back to est. {$140000.00} it was like we never paid anything into our loan after being in the home since XX/XX/XXXX. The loan amount went back up over the amount we paid for the home. We knew this could not be right. Our loan has been now been sold to Selene Finance, who do n't even hold our note, they only collect. When we started questioning our loan a few months ago, Selene reported to us that we may need to investigate our loan because we have been ripped off. We have lived in this home for 10 years now, it do n't even look like we paid anything toward our mortgage. We ca n't afford an attorney, so we are in need of some help on how to move forward with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I attended XXXX XXXX in XXXX I stopped attending after becoming XXXX and I withdrew due to my research about the school and all of the lawsuits it had going on. Fast forward to XXXX and XXXX proceeding, I have this school loan showing on my credit and its causing harm to my name and credit profile because I do not owe loans for this school they should have been sent back to U.S. Department of Education once I withdrew and that did not happen also I had to consolidate these loans to try and help with my credit not being ruined and its unfortunate because these loans shouldve been forgiven. Everyone knows XXXX gives out false hope and false pretenses. I dont understand how I owe student loans when the money wasnt used at this school

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Erroneous credit reporting on my credit report and that of my wife. XX/XX/XXXX my wife and I filed a BK XXXX and concurrently were in a loan modification that was later approved. I am trying to use my VA loan for a home only to be told that we are shown as making late payments from XX/XX/XXXX until later in that same year roughly XX/XX/XXXX I believe. This is after the BK XXXX. We did everything and never made late payments but are being told that although we were paying as instructed on the modification we are still considered making late payments which is unfair to us. What would have been the sense of saving our house if we knew we would have known the lender was reporting our payments as late through our modification agreement. I have more to add but hopefully will be able to get the negative remarks off of our credit reports. I am a Veteran and feel slighted with this action. Thank you XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: AES has a " paid ahead '' program which automatically takes additional payment an applies it to future payments ( principle + interest ), instead of applying the additional payment to only principle. Unfortunately, if you pay online, they do not offer a way to indicate that you want your additional payment to go towards principle. I have called AES and they stated that there is not an option to indicate where you want additional funds to go to when you pay online. Further when you speak to them, they are misleading in trying to say that additional payments do go towards principle in the " paid ahead '' program. This is a half-truth. The paid ahead program still applies portions of extra payments to interest. Please beware if you are trying to pay down your principle, they will eat it up as mostly interest payments. ROBBERS!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The loan was in review for a modification with Wells Fargo / ASC. On XXXX XXXX, XXXX, a letter was sent to me from XXXX stating that my trial modification was approved and that I needed to make XXXX payments to solidify the modification. This letter is attached. Wells Fargo called me on XXXX XXXX, XXXX and stated that I had missed the first payment, but that they would continue the review if I wired the funds immediately to them. On their direction, I did so. The wire is attached. I called Wells Fargo back on XXXX XXXX, XXXX, and told them I was able to wire more funds to make the XXXX and XXXX payments in advance. They directed me on how and where to send the wires. That wire receipt is attached. On XXXX XXXX, XXXX, Wells Fargo called me and stated that I had not made my XXXX XXXX payment. I was confused, as I had made a payment on XXXX, but they told me to make another payment, and by their instructions, I did so, on XXXX/XXXX/XXXX. That wire is attached. I heard nothing about the loan mod until I received a notice of intent to foreclose on my house. I hired an attorney who spoke with XXXX XXXX at Wells Fargo and an escalations team member named XXXX. The attorney contacted Wells Fargo on XXXX XXXX, XXXX, but the file was not assigned to XXXX until XXXX XXXX, XXXX - ten days later, 3 days before the foreclosure sale. XXXX called the attorney on XXXX XXXX, XXXX, stating that though ASC confirms that my loan was in active review for a loan modification during the time of XXXX XXXX, XXXX, ASC denies sending me the attached letter. The letter has my full legal name, mailing address, Wells Fargo account number, and monthly payment information - items that only ASC would know. The letter is written on ASC letterhead with a barcode for filing purposes on the side of the letter. XXXX stated that Wells Fargo denies receiving the payments I sent them. They say that they removed my file from the modification program the same day they called to tell me to wire them more money on XXXX XXXX, and a month before they called me in XXXX to have me wire even more money. They say they are going to take my home tomorrow, though I did everything they told me to do. XXXX told me to call the police. I am concerned given the detail of the letter that if ASC did not send it, that they have a extensive privacy breach with regard to my file. If Wells Fargo did not call me to make payments, then someone inside their company is scamming money from their borrowers, as when I call the number back, I speak to representatives at Wells Fargo. I would like Wells Fargo to give me a chance to keep my home.

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 01-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GLA COllection Company XXXX XXXX XXXX, XXXX, KY XXXX is reporting XXXX collection accounts on my credit report, I have been trying for a year to have they validate that I indeed owe the debt, they have refused, yet continue to update that accounts and try to collect on them, I need proof that I indeed owe these alleged debts. 
Account number XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation