milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was turned from a mortgage company because of a number of " delinquencies '' on my credit reports. Since I do not have delinquencies and my credit score was higher a month ago, I tried to get my reports online. I could not obtain them, and when I went onto Equifax 's site, the page would not allow me to submit my complaint. 
I really need to find out what 's going on with my credit scores so that I can dispute the errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have private loans ( over $ XXXX ) with Navient for my XXXX. I have been enrolled in school for 2 years ( a XXXX program with XXXX XXXX since XX/XX/2015 ). I requested that Navient put my loans into school deferment. It took approximately one year for them to do this. In that year, my loans accumulated, my past due payments continued, my credit was effected, my phone and my family members phones ( including XXXX aunts and XXXX uncles who are not on the loan ) were harassed multiple times about my loan. I had countless ( over 10 ) phone calls lasting sometimes over an hour long trying to manage this and change this status. I faxed documents of my in school status countless times. I spend a very long time on the phone multiple times trying to obtain this status. XX/XX/2015 I was told I was in school forbearance and had NO payments due. I was told they were updating my online system and not to worry. I asked for payments that my status be back logged to when I actually started school ( a year ago ) so that payments that were made could go to my principle. I was told they would look into it. Within 3 months, despite me still attending school, the phone calls started again, I had past due payments in my account again and my family members started receiving calls again. I was told the in school status was not correct, that I still had payments due. I work full time and go to school full or half time ( depending on the semester ). Managing the account with Navient has been a full time job that I can not afford to have. I would spend hours each day arguing with the members about my status that It became too much of a hassle and I stopped trying.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (FHA mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (PA).
Issue: Settlement process and costs

Complaint: I took out a loan with XXXX it was a HUD loan. It cost me {$35000.00} at closing and I was told that was the cost of buying the house at {$270000.00} because it was a XXXX loan. After almost 2 years fighting with the contractors due to bad quality of work, XXXX XXXX gave the contractor an additional {$5000.00} of my money, against my approval, to sign off the any waivers to complete the work. The work was never completed and warranty issue developed bad quality of work and no one came to fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Mortgage (Conventional fixed mortgage) with FIRST CITIZENS BANCSHARES, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: First Citizens Bank of XXXX, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for {$120000.00} ) at {$9800.00} ( tax appraisal uninproved is {$70000.00} ). To do that they found land XXXX miles away selling for $ XXXX/acre and ignored land pricing anywhere closer much less inside the resort community. They chose XXXX comparable, XXXX was a mobile home and the XXXX had been abandoned unfinished in 2006. Our planned " custom built '' log home is in a gated community atop XXXX XXXX ( XXXX ), the mobile home they compared it to has a State Highway running thru the backyard and was simply dropped off a flatbed onto a slab at that location. 
But that 's how they do business. They claim the " negligence '' is all the fault of the appraiser and his negligence is my problem, not their 's ( that 's not true in all States ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with United Recovery Solutions (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My wifes pursue was stolen before she could contact the card companies the theef had charged some things to the cards. Some how the collection agency was calling me looking for he I 'm her husband. I told the to stop calling me. They would n't stop calling. They laugh at me and said no I 'm not going to stop calling this mumber. I have them on recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with The J. G. Wentworth Company (NC).
Issue: Loan servicing, payments, escrow account

Complaint: JG Wentworth erroneously held my mortgage loan and while I made XXXX monthly payments to them, the correct mortgage company did not receive my payments. After calling multiple times over a month 's period I was finally able to resolve the dispute only to find out JG Wentworth would not reimburse me the late fees and charges I incurred due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Monterey Financial Services LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included  XXXX   XXXX   XXXX  as a creditor.  XXXX   XXXX   XXXX  continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of XX/XX/XXXXI was living in a XXXX XXXX XXXX in XXXX, TX the property was being managed by XXXX XXXX. I was having personal and financial issues and was no longer able to make my financial obligations and needed to move. I wrote the property manager letting them know the situation and that I would be vacating the residence at the end of XXXX. I was willing to assist in anyway in order to get new residence in and was very clear that I would pay whatever rent remained. I moved as planned leaving the residence clean and with out damages. In XXXX of XX/XX/XXXXI was served eviction notice for the residence that I had been out of for a full month. I have tried multiple times to reach out to the the property manger in order to make payment arrangements for the remaining balance of {$1700.00}. Now I have a collection with Fair Collections & Outsourcing for this residence. They are now attempting to collect {$9600.00}.

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 03/31/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is not part of any of the above categories. I hope my complaint will be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Savings account) with M&T BANK CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: I recently had a very troubling experience with Mand T Bank. There 's a long history with XXXX accounts in my children 's name that was started about XXXX to XXXX years ago when they were in XXXX school. They 're young adults now. I had XXXX accounts with M and T, but the trouble is only with my XXXX minor children 's acounts. 

These accounts were originally XXXX seperate CD 's, started with XXXX XXXX. The starting principle was {$1000.00} in each account. These were idle accounts where money was simply " parked ''. About seven or eight years later, XXXX XXXX was taken over by M and T Bank. The XXXX accounts had grown to about {$1200.00} because of the accrued interest. At some point, M and T Bank started charging and auto-debiting {$10.00} per month from my XXXX children 's accounts, that were now M and T " savings accounts ''. I was never made aware of the charges, had no idea this was going on. No one from M and T called to alert me to the monthly drain on these XXXX idle accounts. Just a yearly " sign to keep active '' notice. 

My wife and I have or are responsible for roughly XXXX-XXXX small accounts in savings/checking/education/401k 's, and IRA 's with various banks. They include my wife 's ageing and ailing parents accounts, who are/were at poverty level income ( XXXX now deceased ) and maitaining their meager property, and caregiving as well. We have much to deal with on a daily basis. Although we received sporadic account statements from M and T Bank, the charges and declining balances on these XXXX accounts were not noticed. 

I only became aware when I saw my XXXX year old son 's name listed in the local news paper that had a listing of unclaimed property held by the State just last week, XXXX 2015. M and T Bank closed that account which I believe is now about {$820.00}. 

I was stunned that this could happen to anyone, let alone a minor. I am still waiting to here from M and T Bank on this matter. 
I appreciate any help or guidance you can give Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried for years to get modification on this property. I sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Credit decision / Underwriting

Complaint: Fifth third bank reported the wrong amount owed on my mortgage, of {$260000.00} approx. then a few months later the reported the correct amount of XXXX approx. which dropped my scores by XXXXpoints. They did a modification on my mortgage and I am only paying interest on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed an account with XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In XX/XX/XXXX I froze my Equifax credit reporting after the big hack. I did it online and contrary to what they claim, they never gave me a PIN to identify myself. 

Now I need a mortgage and need to unfreeze it. Both XXXX and XXXX have been easily done. Equifax requires the PIN that they never gave me, but provides no phone number and no online method of retrieving the PIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with The CMI Group, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX I was notified about a hit on my credit report. ( Attached ) XXXX I contacted Credit Management Co who told me they only report the charge off and can not resolve anything. They advised me to call XXXX XXXX but could not offer a phone number. XXXX I then Contacted XXXX XXXX and sent though multiple departments until finally someone was patient enough to find that XXXX XXXX had no record of me ever being a customer or anybody else with my name or address. XXXX XXXX also confirmed that they did not even offer service at my address ( to which I have lived at since XXXX ). I have never done business with XXXX XXXX XXXX. But they said they would get back to me in 7 days with a Case # and any info from Credit Management Co to which they confirmed did do their collections. I had not heard back from XXXX XXXX and on XXXX tried again to follow up. After bouncing from operator to operator at XXXX XXXX I tried Credit management Co again. They confirmed I had contacted them earlier but said there was no correspondence from XXXX XXXX. They suggested I file a police report for stolen Identity and gave me a reference # XXXX My credit record still shows a Collection Chargeoff from a company I have never done business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: We first of all was manipulated into a mortgage contract ( that terminated after 20 years ) the contract was called a ballom mortgage originally we had a 30 year mortgage then at that time they demanded that we refinanced the the entire amount of the mortgage which was {$100.00} at the beginning. we paid over XXXX into this contract and yet we did n't recieve any equity. then they refuse to negociate any thing with us mortgage reform called a Modified Mortgage. that we were never late on our payment all the while we kept all of our mortgage payments up. at the end of that time they refuse to except any payment. after becoming fustrated with mortgage we finally relocated. they then forclosed and sold the home for {$110000.00} and we did n't receive a cent back. We believe that we victims of preditory lending which was perpetuated by Ocwen Mortgage a division of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is in accurate and the collection agency can not validate the debt or that they can collect on it. The service provider can not provide a signature that i accepted services

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, 2016 I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Frequent flier XXXX XXXX miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least { {$500.00} } in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX 2016 and received verbal confirmation that the offer was attached to my account. I quickly completed the requirements. 
On approximately XXXX XXXX, 2016 I contacted Citi and spoke to a representative who assured me that I had met all the requirements and the promotional code was attached to my account. He stated I should see the miles post to my account by XXXX XXXX, 2016. 

I just contacted citibank today on XXXX XXXX, 2016 to see whether the requirement completion was done and when I would be expecting to see my miles. They sent me back a response saying that the offer was never tied to my account. 

I immediately appealed this citing confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least { {$500.00} } worth of frequent flier miles

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 06/16/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Money was not available when promised

Complaint: On XXXX, XXXX, 2015 I sent for my mother in XXXX {$290.00} by Western Union. 
On XXXX, XXXX, 2015 my mother could not pick up the money because happened some mistake. So, I called Western Union reported what was going on and they said that in 9 business day they would give me an answer about an investigation on the case that they would do. 
They took around 3 weeks to give an answer after many attempt mine. 
On XXXX, XXXX, 2015, after words, they recognize that happened a mistake and they would refund the money for receiver - which was my mom. They gave me a new tracking number, as well. My mother just went in the bank and the money still not available for pick up! 
There is more than 30 days that I am trying solve it and they just say that the money is available, when it is n't! Or they say for I just wait more 3 business days!! XXXX WHAT?? ) It looks like they are just gaining time for I loose my rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with DISCOVER BANK (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro XXXX, Discover, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX Bank has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
Discovercard XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX am did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day?

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Transaction issue

Complaint: * I bought an XXXX XXXX ticket which showed me total ticket price of XXXX * I paid this payment by one of my bank of america credit card ending with XXXX XXXX Now the bank of america shows a Foreign transaction fee of XXXX. 
Complain : I am in USA physically, open the website in usa, bought ticket while I was in USA, XXXX XXXX site does not state that the transaction will take place out side USA, bank of america does not say that this site will be considered a foreign transaction, then why I am being charged. Bank of america should clearly state me on each charge that this would be extra fee or say this is foreign transaction. 
Website itself does not declare it. Pls assist me getting these fee back. 
Thanks, 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 monetary relief