milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: During the XXXX quarter of XXXX I began attempting obtaining a loan modification from Citimortgage due to the fact that XX/XX/XXXX marked the end point of ten year term of the HELOQ I  entered into on XX/XX/XXXX. After over a year of being juggled between about 6 agents I finally was assigned to a gentleman named XXXX XXXX. He submitted all my documentation to underwriters and received a wonerful loan mod represented verbally by Citimortgage of a 2 % fixed loan with a 40 year term, " however '' when I received the loan docs to sign it changed from 2 % @ 40 year to 2 % @ 30 years which increased the monthly obligation approx. 50 % from $ XXXX to $ XXXX. I called Citimortage and was informed " there is no record or evidence '' of the 2 % / 40 year term modified note and furthermore my application for a loan mod was being rejected after I informed Citibmortage that they were/are in 3rd position on my property which prior to me notifying them they were unaware of. 
I held the inaccurate belief me informing Citimortgage of their true position being 3rd " may '' provide them more motivation to work with me to resolve this matter. 

I filed another complaint with the CFPB after being sumarily rejected. 

In an explanation letter dated XX/XX/XXXX from Citimortage it was stated that " Upon receiving your request, we immediately reviewed your HELOC account. Please note that we found no evidence of an additional lien existing when your HELOC account originated in XX/XX/XXXX ''. 
This explanation written to me by a Citimortage " letter writer '' was shocking to read. 
I was charged for and paid for a title search in the original documents dated XX/XX/XXXX. 
I could only think of two possible questions which I consider insulting, " Did you look? 
" Did you ask me ''? No and NO. 
Citimortgage did not look at the title search results they charged me which I paid for, or they never ordered the title search. 
My health has been declining the entire time I have been forced to deal with Citimortage, being juggled between agents, being told acceptable terms to modify the equity line then receiving final papers which did not reflect what was agreed to prior to receiving the docs. Reading how they found no evidence of another lein on my house? 
This entire matter has taken an extreme toll on me. 
It is extremely upsetting to be on the receiving end of Citimortgage 's blatant attempts at making me pay for THEIR " un-intentional '' errors. 
It appears in black and white in the disclosure doc I was charged for a title search in one of the attached documents. 
It was intelectually insulting when I read " we found no evidence of another lein ''!

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 06/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving phone calls from this company Portfolio Recovery Associates, asking for my daughter which she does not resides with since XX/XX/XXXX, my phone number is a new number and no one has this number, I called this company on XX/XX/XXXX and advised them not to call and delete my phone, they stated my phone number was removed. On XXXX XXXX this company called again and asked me for my daughter 's social security number I told her that it illegal to ask a third party for personal information. I am being harrass by this company it seems they do n't want to delete my number from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Rewards

Complaint: I purchased airline tickets using American Express Gold Card, co-branded XXXX XXXX. The website says I would get XXXX points ( Membership rewards ). https : //www.americanexpress.comXXXX Then I noticed I only got credited for XXXX instead of XXXX. I called American Express and they said it was because I have the " XXXX XXXX Card '' not the normal Gold Card. I asked where on the website it said this, and they could not provide any information. The agent said that that information is in the cardholder agreement. So after I got off the phone, I downloaded the cardholder agreement, and it does n't mention Membership Rewards AT ALL. So at this point, I got bad information from the website, followed by bad information from a customer service representative! 

It is of course possible that I was mailed something in the past describing this, but I do n't recall it. I think it is deceptive to have one thing on the website, and then do another, and I also think that card companies should be required to make the details of these point programs available to cardholders online. 

I love American Express as a company, and if the agent had offered to take this up the chain vs. contact CFPB, I would have done that -- I told him that I was going to download the agreement, and look, and if the information was n't there, would contact CFPB. I asked him whether he was certain the information was there on the points accumulation -- he said yes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/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 08-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, XXXX, Equifax reported a Hard Credit Inquiry by XXXX on my credit report. I have not applied, authorized, or allowed any type of personal credit inquiry since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been asking XXXX and Transunion since XXXX 2015 to provide me the documentation they have on file for the items they are reporting on me. So far the credit bureaus have deleted some items and other items they say they verified are mine BUT sent me no proper documentation in fact they sent me nothing at all showing me how they proved the item was reporting correctly asnd was mine, nothing at all. I have sent all 3 credit bureaus over 5 letters asking them to show me and nothing. They are severly hurting my ability to get a house for my family. UIf they cant prove the items according and under the FCRA laws they need to remove the items. I am getting tired of the getting the run around and letters back from them with nothing. In fact TransUnion put a freeze on my account which I never asked them to do and when I contested it they sent me a form asking for several pieces of identification that I am NOT going to provide I want them items removed and the freeze removed. I also want to know how I can go after the credit reporting agency legally in court, can you help me please. It should n't take 6 months to get some action. 

Thanks-

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Mortgage (FHA mortgage) with JAMES B. NUTTER & COMPANY (ID).
Issue: Struggling to pay mortgage

Complaint: I have paid XX/XX/XXXX 's mortgage but have been unable to pay for XX/XX/XXXX and XX/XX/XXXX does n't look good either. The problem is my credit union ( XXXX ) they charge me {$25.00} each time I am overdrawn which averages about {$250.00} to {$500.00} per month and that is the reason I have been unable to afford the mortgage,

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (VA mortgage) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a VA home loan through US Bank. In XXXX, I left my work position XXXX to care for my XXXX mother living in my residence in XXXX XXXX, XXXX I continued to make payments from my savings and was up to date on all payments. My mother passed a year later. At the time she was renting my property while I lived in XXXX. Upon her death, I consulted a real estate agent and property management company who told me my property was significantly lower than what I paid. If I tried to rent, it would also cost a significant amount of money and I probably would n't make enough to cover my loan payment. So I spoke with US Bank and decided to do a short sale under. During my short sale XXXX XXXX to XXXX ) I received at least XXXX to XXXX sales proposals that US Bank took so long to make a decision that the proposals fell thru. Mostly due to US Bank asking for information they already held, unreasonable time limits for information, and just plain inability to be timely. I missed XXXX deadline where the information came in over a holiday weekend and was for the purchaser 's decision. The next day I received an email from the Bank rejecting the application and shortly after a notice of foreclosure. I still continued to make payments until it depleted my savings. I have XXXX and extreme XXXX and was unable to work during this period. So my savings was all I had. Once the last application was rejected, I put in a request for deed-in-lieu. This was early XXXX, I have yet to get an update from the bank. I started working again in XXXX XXXX. I called the bank and wanted to see what my options were for the loan. I was told, I would be unable to make payments if I could n't pay in full. I asked was there a chance for a payment plan and was told no. No options were provided to remedy the situation from the bank. So I left my loan in deed-in-lieu status request. This is a small listing of the issues I have had with US Bank. I really feel personally the bank is taking advantage of me and veteran 's in general trying to personally ruin credit and defraud the federal government in delaying veteran short sale requests. Not really sure where to go from here, but I want this situation over ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I travel a great deal and am frequently locked out of my account because JP Morgan 's online service ( via Chase ) does not " recognize '' my computer. By this, it appears it means that if I sign in through different IP addresses, it will not let me into my accounts. This is a really problem. I do not have an email address or cell phone number that I want it to have or use, in part because it abuses each with unwanted ads and selling this information for profit to other marketers. Neither of these is particularly secure either, especially if written text is generated.
Yet when I call in a toll free number that comes up on the screen after I am locked out of my online accounts, I get automated machines, long wait periods and inaccurate information in so-called security questions that I am suppose to confirm if I want to get back into my accounts online. This process alone, of being forced to confirm inaccurate information that it is clear the automatons at the other end of the phone line have, distorts credit reporting, banking security, and access to my accounts, while degrading my credit score, and increasing the chances of identity theft.
The antiquated technology of online banking inconveniences anyone who travels frequently, increases the chance of identity theft ( by promulgating inaccurate information that I have to claim is true if I want into my accounts ) and wastes enormous amounts of my time, while routinely denying me access to my own money and accounts at JP Morgan. There is no one to call to take care of such idiotic and systemic failures other than mindless machines and customer service people who themselves are programmed to enforce inaccurate information as a condition of correcting the abuse of the company that routinely denies me ready access to my money and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with Ceannate (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: FMS Investment Corp re cently reported a {$6000.00} collection account on my credit report. Prior to the appearance of this account, I was not provided with a notice of this supposed debt, and given a chance to even contest it. Since I was not provided notice of this supposed debt and given a chance to dispute it, I requested that FMS delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Non-federal student loan) with Eltman Law, P.C. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received correspondence from Eltman Law PC on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. Eltman law is trying to collect on an invalid debt by representing and threatening to take legal action on the case.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Took a trip to XXXX XXXX XXXX in XXXX 2015. Was invited to a timeshare presentation by reps for " XXXX XXXX XXXX '' working in the airport arrival area. Attended their presentation, eventually they convinced us to sell our old underused campground membership to them ( at a profit to us ) in exchange for a timeshare condo product, discounted via various incentives, presently being built in downtown XXXX. They took a down payment of {$10000.00} on our Chase XXXX Visa for purchase of their timeshare. 
Incidentally, because this was a very good deal for us ( sale of our old campground membership covering cost of new timeshare ), we actually called Chase before committing to ensure that if things fell through we could be protected ... and we were assured they would cover us. 
Long story short, " XXXX XXXX XXXX '' never provided funds via correct/save/valid escrow process to purchase our old campground membership, we never got any timeshare product from them at all, and they still have our {$10000.00}. The down payment was never returned *despite* a signed contract addendum saying monies were to be returned to original parties if transaction fell thru. 
We later found out it was all a money-laundering scam ( via XXXX ), many other parties have been defrauded in exactly the same way, by the same guys. ( Documentation is attached ). Disputed transaction with Chase, they disagree that it was fraudulent and/or not valid. However we never got a timeshare, we never sold our campground membership to them, no money was returned to us, we are out {$10000.00} and we have nothing. This was a scam. 
After we made a dispute/fraud claim with Chase Visa, Chase denied the claim. ( XXXX XXXX club simply provided " evidence '' showing a receipt of the transaction ). 
So we attached more documentation and re-submitted. Chase eventually replied with a letter stating they simply " disagreed '' that our claim was valid. Despite the transaction being a definite scam, we were " jacked out '' of {$10000.00} for NOTHING. 
Not sure how Chase can rationalize that we received a " valid product or service '' for our money. 
Chase should honor their card fraud protection guarantee with us.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Conventional fixed mortgage) with HALLMARK HOME MORTGAGE LLC (IN).
Issue: Settlement process and costs

Complaint: Hallmark Morgage sent the final disclose 8 hours before closing which the buyer never got or singed. Also the buyer did most of the work for the sale

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a credit cards previously that were charged off. I filed bankruptcy in 2013 that discharged all of these debts. Portfolio Recovery Associates is now trying to collect on one of those debts even though all were included in the discharge. I have sent them a letter telling them to stop calling me but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Debt collection (Medical) with Hauge Associates, Inc. (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My lawyer, XXXX and Law in XXXX XXXX, did not fulfill duties or of process or communication with XXXX After settlement-one bill arrived and XXXX notice. XXXX contacted me at my former employer via company phone, I offered a payment that fit my budget and was told it was n't enough and legal action would be taken. They hung up. The hospital would n't work with me to set up payment plans ( which they had accepted XXXX or XXXX before this occurred ). I transferred my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are two account loans listed on my credit file that are my sons and outdated which the DLA is inaccurate. I 'm requesting these two loans be removed off of my credit file ASAP they are XXXX # XXXX for {$51000.00} XXXX # XXXX {$49000.00}

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 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: inability to contact bsi

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All 3 Credit report is showing 30 day late which is incorrect as this account has never been late.

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 06/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Closing/Cancelling account

Complaint: i had received a letter from American express requesting financial information. 
I faxed that info to them at XXXX and have a fax confirmation page. they say they never received it. then they abruptly cancel my card. I called them and they told me it was sent to collections. so I did n't pay my bill. I talked to the collection agency about this and they said they cant do nothing about it. seems like a lie to me how can they alt out tell me they did n't get the info and I have a fax confirmation I told them I would pay it in full and they need to reinstate my account and remove the credit reporting since it was their error nothing back nor return calls seems like the planned on doing this on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Payday loan () with CASHCALL, INC. (MA).
Issue: Can't contact lender

Complaint: I had previously put in a complaint on this company and they agreed to remove this amount friend my credit yet today I received a letter asking for me to pay them back, It is illegal for them to contact anyone In Massachusetts for a pay day loan. Previous case number XXXX. The fact that 3 years later I am still fighting with thus company is ridiculous. I want this company to stop contacting me regarding this balance

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