milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower is an XXXX with XXXX. He had arranged a modification of a mortgage which was excessive in valuation, and the prior bank, XXXX XXXX XXXX, refused to honor the modification agreement. Then, the current servicer, XXXX XXXX XXXX XXXX XXXX, as trustee, foreclosed on the premises and sold it to itself. On XXXX XXXX, 2016, the mortgage servicing agent Northstar ( I recall ), sent a letter that the balance of the mortgage including legal fees that was due and owing was around {$180000.00} ( it might have been $ XXXX ) as of XXXX XXXX, 2016. The Bank foreclosed on the property around XXXX in 2016 and the referee 's report relied on XXXX XXXX XXXX XXXX. 's representation that the indebtedness was around {$420000.00}. The referee reports selling it to XXXX XXXX XXXX XXXX. 
for around {$380000.00} for XXXX dollars and other consideration. After researching the land records in XXXX County, New York, I can come to no other conclusion than fraud in regard to this discrepancy. I sent a notice letter to the Bank 's current attorneys and received no response thereto. My client remains in the premises with his wife ; the Bank has filed an L & T petition to evict him in the XXXX Justice Court ( with there being improper service of the notice of petition and petition ), which date is XXXX XXXX. It 's likely that I will need to file a chapter XXXX bankruptcy with an automatic stay to preserve my client 's rights in his equity and possession of his and his wife 's residential premises. I am not certain the extent and nature of the probable fraud and of its civil nor criminal implications in its entirety, but it appears to me to be sufficient for a criminal RICO indictment. The borrower now has a social security card and green card ( although he was eligible for TARP modification without it ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Santander USA I paid my car loan, but as of this writing, I have not received my car title. I worked with the XXXX XXXX and Santander, and now again, CFPB. There has to be something I can do. Your help will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2017 about Bank account or service (Other bank product/service) with FROST BANK (TX).
Issue: Deposits and withdrawals

Complaint: I had a builders construction account set-up for myself and XXXX. We deposited {$170000.00} into it, and XXXX deposited another {$170000.00} into it in as loaned funds in our behalf. Frost Bank set-up the account as a construction debts account in our behalf with the builder. The builder began to misappropriate funds and mismanage the account. The Bank fired the builder, and now we want to know if the account was insured by the bank for theft and fraud, and if so, buy whom or what federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Ocwen loan servicing LLC stating the service transfer was being changed over to a new company called XXXX XXXX. The letter says Ocwen will stop accepting payments received after the date of XXXX/XXXX/16. After this date XXXX will be taking the payments starting XXXX/XXXX/16. If the monthly payments are currently being drafted by Ocwen the service will be discontinued at this time. However I have XXXX issues. First off an automatic payment was taken out of my bank account on XXXX/XXXX/16 in the amount of XXXX. I was told my payment was n't due til XXXX/XXXX/16. However it was taken out on XXXX/XXXX/16 and another will be taken out of my bank on XXXX/XXXX/16. My bank informed me that I can not stop the payments on there end. But Ocwen says it should of been discontinued as of XXXX/XXXX/16. XXXX does n't have any record of my loan information. So where is the XXXX that is being automatically withdrawn going. I want the funds back in my account and the service stopped so that I can make my house payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has a habit of ignoring fraud information. XXXX fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced XXXX XXXX, 2015 today I spoke to a Consumer relations Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Equifax illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with AFS ACCEPTANCE, LLC (PA).
Issue: Managing the loan or lease

Complaint: i recieved an auto loan from afs acceptance and in XX/XX/2016 i totaled that car in which i did not have gap insurance on and now they call me everyday demanding payment that i can not afford the auto insurance did pay a potion of the loan. they also send me text messages and the tell me they are going to take me to court and garish my wages and if they can not get ahold of mme they call my daughter and aunt and they have also called friends of mine. I explained to them that i am in finanical hardship and can not afford to pay what they want. they have also asked told to give them debit card numbers so they can take the payments when they need.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Back in XX/XX/2016, I was experiencing financial hardship, and I made a couple of late payments on my XXXX XXXX credit card.

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 11/18/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I visited XXXX on XXXX XXXX, XXXX, my insurance company, XXXX paid the claim for this visit on XXXX XXXX, XXXX. XXXX XXXX XXXX contacted me about the payment and I submitted my ins. docs to them for verification of payment and I never heard anything back. XXXX XXXX I receive a letter from Transworld Systems INC claiming I owe {$970.00} which is and additional {$340.00} on top of the {$620.00} that my insurance company already paid XXXX XXXX XXXX. I disputed this claim an I provide TSI the same verification that I sent to the health center, but on XXXX/XXXX/XXXX XXXX sent a collection notice to the credit bureau now my credit score has been effected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing the loan or lease

Complaint: I have taken out a loan with Citizens One through XXXX financing a new XXXX. They sent me my loan number to setup my account online and when I try to do this and enter a username and password the website does not respond and I can not access anything at all. This has been over a week and I have called twice and they said they are submitting a work order. I am unable to access any information, dont know when my next due date is or how much I am being billed or if I will receive any correspondence about my upcoming payments. Pretty much left in the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine. 

XXXX XXXX XXXX Acct. XXXX XXXX XXXX, 2016 {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, I filed a complaint towards citibank for the credit inquiry made by citibank on my XXXX credit report. The inquiry was shown on my credit report as " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' On XX/XX/XXXX, Citibank gave me a response through CFPB. The content of the response is attached below. 

" We reviewed the client 's request to have the credit inquiry removed that is listed under " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' Due to the incorrect product type reported, we submitted a request on XX/XX/XXXX to have that inquiry removed. Please allow 30 business days for this information to be updated on the credit report. We sincerely regret any miscommunication that occurred regarding this matter and the frustration this caused. " However, as of XX/XX/XXXX, the credit inquiry mentioned above is still listed on my XXXX credit report. Enclosed please find a copy of my XX/XX/XXXX XXXX bureau credit report. 

Citibank did not take action as they promised, nor did they give me any explanation or notice in regards of why they did not remove the inquiry from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Payday loan debt) with Oracle Financial Group LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from Oracle Financial Group saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( XXXX XXXX XXXX ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted XXXX XXXX XXXX which informed me my debt was half what ORACLE FINANCIAL GROUP stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while ORACLE FINANCIAL GROUP is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Using a debit or ATM card

Complaint: Upon reviewing my checking account with PNC Bank, I noticed XXXX transactions of {$50.00} each that I did not make which posted on XXXX/XXXX/15. I filed a transaction dispute with PNC ( reference number # XXXX ) and was issued a provisional credit of {$100.00}. When I contacted the bank about the dispute, I was told I could contact the business ( XXXX ) directly at : XXXX and try to find out additional information on whether or not the pre-loadable XXXX card was purchased within a store or online. I contacted XXXX & gave them the XXXX card number of the card ; however, due to " security concerns '' the representative on the phone was unable to give out the full XXXX digit card number, and referred me back to PNC. When I contacted PNC & asked for the number, I was told the same thing. I find it disheartening that someone can commit fraud against my checking account and purchase a preloadable XXXX card using my debit card information, yet when I try to find out the full XXXX digit account number listed on the XXXX card, I am prevented from getting it citing privacy reasons. It feels as if the perpetrator who did this is being protected while I am literally paying for his use of the card. All I wanted to do is to trace the source of the card so that I can file a police report & get this person arrested because it would n't surprise me if he/she is committing the same type of fraud against other people.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification since XXXX and Ocwen is giving me the runaround along with being unfair, deceptive and abusive. Most recently, they have sent me an offer for a Streamlined Hamp modification knowing full well, or at least they should as I have disclosed it from my very first XXXX, that I own more than XXXX rental properties exclusive of my principal residence. They have also made the offer in my ex-husband 's name irrespective of the fact that I have submitted a copy of my divorce decree countless times and the fact that the information on the XXXX was mine, and mine only and had XXXX information regarding my ex-husband, who has had no interest in the property since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When I ordered my credit report history in XX/XX/XXXX, I noticed a delinquent account that I have never had opened. So I contacted the XXXX company and they did a investigation and found out it is a fraudulent issue. So they said they will close the account and report it to credit bureau. Well XX/XX/XXXX comes around and I wanted to buy a house and XXXX is still on my credit history. I did receive this letter that i attached. I would like it, if someone could possibility of removing this from my credit history. It is becoming a nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid twice a month to once. This has caused me to receive a lot of late payments to XXXX County Department of Child Support Services. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to DGS in XXXX/XXXX/2014. I worked for XXXX since XXXX/XXXX/2005. You will also see a copy of my credit score before it dropped, and emails to Human Resources Dept. In the emails you will see that I was trying to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentation. XX/XX/2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did XXXX XXXX and Equifax take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a dispute of 4 public records currently being reported on my equifax credit file. Equifax came back and said the public records were verified and that they are reporting correctly, they also reported that this information was received from XXXX. I contacted XXXX XXXX and spoke with the customer service rep who stated that equifax had not requested a copy of my consumer file. The customer service rep at XXXX XXXX stated that my consume file with XXXX was and has been frozen since XXXX  2017- and that it was not possible for equifax to obtain the information from them. This file with XXXX is frozen due to inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NV).
Issue: Managing the loan or lease

Complaint: Wrongful repossession Financial Fruad -Wiring money ( unknown reason ) Toyota Financial Services ( TMCC ) and Lexus of XXXX -Asking for social security number and account number via text / email -Over XXXX dollars of unexplained charges and late fees -Repossession of vehicle with belongings inside, refused to inform me where it is to get my things unless I pay off vehicle -Term changes /mid deal changes after closing - Constant billing / late fee harassment ( unexplained ) - Credit denial so was forced to pay cash towards downpayment No one in the finance department or dealership will help they claim it has nothing to do with them

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Hunter & Warfield have attempted to collect a debt that we did not owe from an apartment community. We said there was a misunderstanding and that we do not owe the debt. The apartment had agreed to waive their buyout fee, we have a signed hand-written letter and an email from the manager of the apartment proving they agreed to waive the buyout fee previously. Hunter & Warfield is now saying that the debt we owe is for the buyout fee. We then received a letter in the mail claiming to be " verification of debt owed '' which had many inaccuracies including an address to an apartment we have never lived at, and sections from the lease that had nothing to do with the supposed debt we owe. There was nothing in the letter about how to dispute it or any 30 day time restrictions. We have tried to call the number during business hours they included in their letter to work this issue out but no one has answered. They do not have proof we owe the debt because we do n't.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on  XXXX / XXXX / 2017  I mailed a certified letter t o Syndicated Office System Tracking #    XXXX  They have left notification for company information was not picked up and return to me.     I am asking for back up for this debt - I will not pay without back up outling all of the details. No response Can you please reach out for information and back up needed Or remove from my credit report.     I have attached the tracking information & letter sent

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