milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: Bank cashed a check with no endorsement or tracking information. Bank cashed check on XXXX XXXX. I ask for a copy of the check, when the party to whom it was written informed me that he had not gotten it. I received a copy of the check XXXX XXXX. 
XXXX XXXX, I called Citibank to inform them of the fraud. I received a complaint number, and was told that an affidavit would be sent by mail. I called many times, because I received no affidavit. On XXXX XXXX I was told I could go to any branch and fill out an affidavit. XXXX XXXX I did so. XXXX XXXX I called Citibank for an update and was told they did not receive the affidavit from the branch. They say they are sending the affidavit again by mail. They say this could take 90 days to resolve. Why? This was my rent check.

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 05-08-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX /2017  , I mailed a regular mail request to validate, it was not responded to by central financial /Syndicated office.  XXXX / XXXX / 2017 , I mailed a certified request to validate debt, give accounting of fees of the debt and other item s ( 2nd letter ). 3rd le tter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX /2017   not being responded to ( sent  XX/XX/  2017  ), this was the second certified letter. The request was not responded to as of today. Per the law they do not have to, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX /2017  , they have not responded to either letter. The second certified letter gave  them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney will be contacting them in 2 days also, however, they need to follow the LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement. 
According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property. 
The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes. 
Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan. 
The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I received a e-mail form XXXX XXXX about a Pre-Approved loan for debt consolidation. This e-mail was sign by XXXX XXXX XXXX Loan Officer. The scam or fraud was to get money out of my account or the bank using bad checks. Union Bank XXXX Fraud Management did a XXXX investigation for the bank and fixed the blame on me but the checks went through the bank and they did not put a hold on them plus the bank do not have a system to check for a bad check. The scam was to put checks into my account and for me to return there money through XXXX. The bank close my accounts and I could not pay my bills for the month XX/XX/XXXX. I am sending you all of the information for this case so you can see if you can do anything for me. Union Bank still want me to pay {$2000.00} for XXXX checks.

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 04-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (SC).
Issue: Charged fees or interest you didn't expect

Complaint: I took out an installment loan with CashNetUSA ( CNU Online Holdings, LLC ) for {$1200.00}. The interest rate is exorbitant and predatory at 276.23 %. 

To date, I have made 9 payments for {$140.00} each totaling {$1200.00}. I have another payment due on XX/XX/XXXX which will make the total paid {$1400.00}. I will at that time have paid back the {$1200.00} plus {$170.00} in interest which is 14 % of the loan cost. This is a typical credit interest rate unlike the horrific 276.23 %. If I am forced to make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in interest. This is more than double to loan amount. 

I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: They keep telling me different amounts i owe. Like i dont make enough money to pay XXXX $ a month nor does my cosiner. The keep lying about not being able to do anything and they keep lying about being able to lower my private student loans. Navient is the worse XXXX i have ever borrowed from.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a home loan with quicken loans ( end of XX/XX/XXXX ) I disclosed there was a foreclosure in the initial questionnaire. I was told I was approved for an FHA loan. They put me in contact with a realtor and I started looking at homes. I found a home that I put an offer on, paid {$400.00} for the appraisal and {$320.00} for the inspection. I was still looking as the real estate market is rather low right now. I was speaking to another lender and disclosed the foreclosure to her and she looked up my credit report and said I would not be able to even start looking for a home until XX/XX/XXXX. When I called quicken loans they assured me that everything was going good and our closing date had been moved up to XX/XX/XXXX. I then began asking how this was possible when I was just told by another lender it was n't possible until XX/XX/XXXX. Then they started fumbling around and changing their words. My wife called and spoke to a XXXX XXXX Representative who " investigated '' the situation. My wife asked her how this was not their fault for allowing us to move forward and pay out {$400.00} for the appraisal and {$320.00} for the inspection. We were lucky enough to save the earnest money of {$3500.00} that was also paid out. If I had not spoke to another lender I would have also lost that. We would have never found out until underwriting which would have been too late to save anything ( if they would have caught it ) The Loan Specialist I was working with seemed over whelmed and over loaded as he could not keep his accounts straight, he asked myself and my wife multiple times regarding the car loans we currently have and only asked 1-2 times regarding the foreclosure. I feel that they are at fault and need to pay us back this money. If they had not given us a false approval we would have never paid out the money we paid. I feel that I was taken advantage of and even a bit violated by what they have put us through.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (WI).
Issue: Problems when you are unable to pay

Complaint: Net Credit continually calls my phone every day, sends emails even after I already told my situation that I am not able to pay at this time. The repeated robo calls into the weekend are annoying and excessive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CIT BANK, NATIONAL ASSOCIATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is reporting the status and amount of a mortgage  for a home I sold in XX/XX/XXXX inaccurately.  They are reporting that the home was foreclosed and I am attaching evidence that this is false via the payoff letters I received from both lien holders.
They are also reporting an incorrect loan amount of $XXXX.  This loan was originally originated with XXXX  in the amount of approximately $XXXX.   
I have tried disputing this with the three credit bureaus in addition to calling XXXX so they could research this issue.  They have been unable to provide documentation to support this loan balance nor have they shown any goodwill made any attempt to update .

CIT BANK XXXX
XXXX XXXX XXXX XXXX, MI XXXX 
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL
REAL ESTATE
MTG
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
Last Payment Made: XX/XX/XXXX
High Balance: $XXXX
Pay Status: >Account 120 Days Past
Due Date<
Terms: $XXXX per month, paid Monthly
for 30 months
Date Closed: XX/XX/XXXX
>Maximum Delinquency of 120 days in XX/XX/XXXX and in
XX/XX/XXXX<
Remarks: >SETTLED-LESS THAN FULL BLNCACCT PAID,FORECLSR STARTED<
Estimated month and year that this item will be removed: XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Northwest Collectors Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Northwest collectors reported a collection account to my credit report without notifying meof the debt. This is a violation of the FCRA. They did not perform any due diligence to findcorrect address information for me. As such, I never received any written notification of thisdebt and I did not have a chance to make a payment to it. This is stemming from anelectronic speeding ticket in XXXX. I never was aware of this ticket andhad no idea that I was issued a citation. No notifications were ever received from the XXXX XXXX or Northwest Collectors. 
When it was brought to my attention, I immediately paid the account. I was also assuredthat this will not do any damage to my credit score once it has been paid. This is completelyinaccurate and I was misled into thinking that this was a nonissuewith respect to mypersonal credit score. I have just recently discovered this and I am paying a very hefty priceas a result of this. 
How is it possible that I can not get my credit destroyed without any written notification of adebt and then once I do XXXX it, I pay the bill and am assured that my credit score is notgoing to be damaged. This turned out to be a blatant lie and a material misrepresentation of the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle lease) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Taking out the loan or lease

Complaint: Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Our home flooded in XXXX in Louisiana, We have received our Insurance check to finish repairing our home. The Mortgage company had us sign up on XXXX and follow the To do List. It read ( which i have a copy ) to send the Insurance check unendorsed and a copy of the adjusters worksheets, which I did. Then the To Do List changed to we have to have a Licensed contractor. We are over 80 % complete in repairing our home and my husband was a XXXX for 19 years and chose to close his XXXX in 2014 because rising Insurance cost and bad employees. He then in XX/XX/2014 went to work for a XXXX, that XXXX. So this is what he does for a living. They told us that as of last year their company changed their rules and no longer let you self repair your home, which we have never received anything in writing. They also told me that they sent a flood claim instruction booklet to us when the claim started, but we never received it and they can not find in their records where it was ever sent. No one in Upper Management will even call us after requesting to speak to someone and being told on XX/XX/XXXX, that we would receive a call back in 3 business days. Now I need to know what and where to go from here.

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 06/21/2017 about Debt collection (Payday loan debt) with Mobiloans, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone took out a loan in my name without my authorization and now I have a collection on my report regarding it from a collection company. They refuse to listen to me when I tell them it is the result of Identity theft and not mine.

Company response to consumer: Untimely response
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Credit decision / Underwriting

Complaint: I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due {$23000.00}. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used {$19000.00} of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like " customer settled for less than balance, account paid and closed. I have been denied refi by Mortgage companies and denied home equity lines and the reason given is " Short Sale ''. There was no " sale '' short or otherwise. We still own the farm. I sent tax statements and such to prove that we own the farm to this day. 
I am not sure how the mortgage underwriters are construing the situation as a " short sale ''. I have written the credit agencies to request that language be added, " this was not a short sale ''. The language was added " customer disputes ''. Disputes what? I dispute this was not a short sale. I have also written to Wells Fargo XXXX times and they have sent me the same form letter XXXX times with the same signature. Why does this interpretation happen? How is it determined? The words " Short Sale '' never appear in the credit agency reports?? I have a credit score around XXXX. I have about {$420000.00} in equity in my home. XXXX changed the regs in 2014 to call for a four year ineligibility for a mortgage for an equity line. Please help, do n't understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a copy of my credit report ( XXXX and XXXX ) and after reviewing it I found questionable items listed by National Credit Systems. In the past, I have asked that National Credit Systems send me copies of the documents that they have in their files that are used to verify the accuracy of the accounts listed ( XXXX ). No one has ever answered my request. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that National Credit Systems disclose to me all of the documents that they have in their possession that is concerning the accounts that are being reported in my credit report. Instead of providing me with the documentation, National Credit Systems insists that the account has been verified. However, the company continues to fail to provide me with this very documentation. 
If there is no documentation in your files to verify the accuracy of the account XXXX, then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, National Credit Systems is damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that is on file for the account listed, then said account must be 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 04-10-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: Complaint : Quicken Loans pull credit report of clients instead of collecting and evaluating available information from clients to determine pre-qualification. This malpractice, even for clients not approved, negatively effect their credit. 
I submitted online the information of my property in Florida that is under water. XXXX XXXX ( ( XXXX ) XXXX from Quicken called back and without providing basic information about and requirements of HARP, insisted that I provide my Social security # so she can pull my Credit Report. When I asked what are the requirements she persisted to get the information from my report. When I provided her my credit score and current loan type she still insisted that I give her my SS # because " Most Clients do not know how to read their credit information '' I objected to be classified as " most clients '' and requested to speak to a supervisor. XXXX XXXX came on the line and also insisted that i give my SS # for them to determined my eligibility for the HARP program. I informed him that my credit is excellent, provided my credit score of XXXX and my current loan type ( not FHA, VA, XXXX nor XXXX ) and asked him if I qualify. He insisted that he can not tell me unless he pull my report. I complain that pulling my report before checking if I qualify based on the information I provided will affect my credit even if I am not qualified. He repeated, " Most clients can not read their credit report. '' I again objected to be classified as " Most clients '' or a flock of " dumb sheep '' as I interpreted their remark. I then request information of external agencies to make a complain. He told me that he has no other information and transferred me to Quicken Client Relations. XXXX came on and repeated that it is Quicken 's Policy that their loan officers pull credit report to determine eligibility since " most clients '' do not understand their Credit Report. I again requested information of external agencies to make a complaint and was told that she has no information to give me. I next ask to speak to her manager. XXXX XXXX ( XXXX ) XXXX ext XXXX in XXXX MI came on and again referred to " most clients '' are not able to read their credit report and refused to provide me with an agency to make this complaint. 
In conclusion, Quicken Loans policy to pull credit report before pre-qualifying the client based on information obtained from the client and with no concern for the negative effect of pulling the credit report is a bad practice and should be amended in the interest of the public.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Payday loan debt) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX / XXXX / 17   XXXX   XXXX  I received a phone call at work after explicitly telling them to not call me at my place of employment. It was not given as an option but as a specific instruction to not call me at work ever.

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 05/28/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan with Speedy Cash for {$750.00} in XXXX 2014. The total balance for the loan including interest was for a total of {$920.00}. While I took out a pay day loan, the lanuage on the contract and especially the payment screen on the website made it seem as though I could make montly payments of {$210.00} for 5 months without any repercussions. For the first three months the balance on my loan decreased, reflecting the payments I had made for a total of {$630.00}. However, after making over {$810.00} in payments I found out that I still owed the full balance of the loan because the payments of {$210.00} per month were meant to pay only the interest on the loan and keep it open. Speedy Cash is now charging me {$1000.00}, which is a higher amount than what was originally agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I Western Union {$40.00} to a family member in XXXX XXXX almost a month ago, the agency refused to give my brother the money because they made a mistake in the spelling of his name, I contacted Western Union and requested a refund so I could re-send the funds, they said there was no need for all that, that they would fix it and release the funds to my brother I accept it that thinking this people were righteous, my brother went again to try to collect, they refused him again, I called Western Union again and now they 're claiming is government policy and are requesting my brother email/mail a copy of his ID to their headquarters in order for them to release his money to him, my brother has shown his ID to the agency, why should he have to send copies of his id to some office somewhere for XXXX knows in whos hands it will land just so he can get money I personally sent to him? I requested a refund and western Union through a supervisor named XXXX who refused to give me his last name he claimed because of security issues, refused to give my money back, XXXX ( operator number XXXX ) feels unsecure at telling me his last name, but XXXX speaking for Western Union wants a copy of my family member 's ID? whos keeping my brother safe from them?

Company response to consumer: Closed with explanation