milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX sold my collection account to LVNV Funding. I requested validation of debt and they never responded to my request. I was being charged for charges that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Orions Management Group, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This complaint is a response to XXXX XXXX response to my original complaint. XXXX ID : XXXX XXXX stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the Orions Management ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, XXXX is no longer showing a balance on the Orions Management account and I have n't even made a payment towards Orions Management. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called my parents house spoke to my dad about debt i owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with CITIBANK, N.A. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The same debt was collected on by XXXX different company 's CITI hired and now we are having a hard time obtaining a refund on the XXXX. Please help assist us

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TX).
Issue: Making/receiving payments, sending money

Complaint: in XXXX 2015 i bought an item from amazon, {$19.00} and it was charged to my account run by synchrony bank, XXXX XXXX, XXXX, fla XXXX ( bank ) -i got the bill from bank on XXXX/XXXX/15 and paid it by entering my bank account #, and routing # -on XXXX/XXXX/15 got letter from bank saying my payment had been returned by my bank-a lie as my bank ( XXXX ) never heard of it-i at once called bank at XXXX and spoke to aromas who told me they had made an error in input and verified my XXXX routing # and account # to have the {$19.00} paid from my account XXXX gave me confirmation # XXXX-the amount was paid and withdrawn from my XXXX account on XXXX/XXXX/15 yet on XXXX/XXXX/15 i get another letter from bank saying my account was closed for return payments -i called bank and spoke to XXXX-who said she would take care of problem, but nothing she could do about reinstating my account or removing bad report from the XXXX credit bureaus -- help me!

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Account opening, closing, or management

Complaint: Upon logging in to my Chase online account I was presented with an advertisement that violates Section AA and the Federal Trade Commission Act by constituting an "unfair, deceptive, and abusive act or practice" (a.k.a UDAAP).  In addition, a nearly identical ad with the same UDAAP violation appears at this link XXXX Specifically, footnote XXXX of the advertisement states that "If...the checking...account is closed within six months after opening, the bonus you received for that account will be deducted at closing."  However, footnote XXXX in the ad only appears once with respect to the Savings account.  Therefore, someone only interested in opening a checking account would have no reason to read it, and might therefore unknowingly forfeit his/her bonus for the checking account upon closing it within six months.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (AZ).
Issue: Closing on a mortgage

Complaint: XXXX   XXXX  , a sub-mortgage-servicer to CitiMortgage, will not honor payment of {$10000.00} for my HAFA request ( see attachment  XXXX  denying my HAFA request. ) My submittal of my all the HAFA required paperwork was originally received by the previous CitiMortgage sub-servicer,   XXXX   XXXX  , on   XXXX   XXXX   XXXX  ,  ( se e attachment  XXXX  from  XXXX  acknowledging the receipt of my HAFA submittal. ) I have a sale in the process for closing at the end of   XXXX   XXXX  .  XXXX  insists that my HAFA documents are not valid and I am not qualified for the program. The HAFA program itself ends   XXXX   XXXX   XXXX  . The last date to submit the completed HAFA paperwork and other documents, was   XXXX   XXXX   XXXX  .     It seems t he paperwork exch ange between the two mortgage serving companies did not complete properly either because   XXXX   did not properly transfer all of my records to  XXXX  ... or  XXXX  has not successfully loaded them on their system.     I have already contacted Making Home Affordable who services  HAFA fo r   XXXX   XXXX   and last spoke with them on   XXXX   XXXX  . The person I spoke to was unsure of why  XXXX  will not honor my HAFA request and could only speculate. They told they will continue to research and investigate.     I have looked over the  250-page onli ne docume nt on the HAMP and H AFA program  rules MHA told  me about. I did not see anything that referred to how my HAFA was terminated.       XXXX   XXXX   nor   XXXX  have been  able to show me the documented rule that excludes me for qualifying for my HAFA payment.     There seems to be much confusion between  XXXX  nad  XXXX  as to what the actual rules are ... and the rules they " think '' are correct.     Any help will be much appreciated ... Thank you

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 09-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage sent inaccurate information about my payment history to the credit reporting agencies. Wells Fargo stated that i was late with my payment in XXXX of 2013. 
In fact, this information is inaccurate and misleading because I was never late with my payments and I always was sending my payments before due date. There is no shred of evidence to support Wells Fargo Home Mortgage report that my payment was received late. The WFHM reporting is not accurate and in violation of the Fair Credit Reporting Act. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MO).
Issue: Account opening, closing, or management

Complaint: I have a PayPal account, which I will never use and I want it removed/deleted/deactivated, etc. I 've been trying since XXXX 2014 to delete my PayPal account myself without success. I have contacted PayPal a number of times to ask for PayPal 's assistance in deleting/removing/cancelling my account with no success. That leaves my financial information out there for whomever might be looking around to find. I also had a PayPal XXXX which I was able to cancel that account but the PayPal XXXX account is still linked to my PayPal account and of course my address appears on the statements which reside there with PayPal. I need and want the PayPal account closed/deleted/cancelled or whatever it takes so that no information is available anywhere to anyone. I 've sent email messages to XXXX XXXX, President and CEO XXXX, PayPal XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXXXXXXXXXX and it appears just get passed along to a support type person and they can not or will not delete my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In   XXXX   XXXX  , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all three credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   when I was trying to short sale the property that the lien was attached to .   XXXX   XXXX   XXXX    could never find the account.     Experian removed the account. Equifax updated the account as closed in  XXXX . Transunion added a second account with a different account number in   XXXX   XXXX   saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred   XXXX   XXXX   XXXX  hat the original lien was attached to.    2.  I do not own any property for   XXXX   XXXX   XXXX     to foreclose on.    3. This loan was sold 3 times since opening in   XXXX   ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had an open credit card account with XXXX XXXX XXXX and I have not been late on payments on this credit card ever since I applied for it on XXXX of XXXX. On XXXX of XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, XXXX XXXX XXXX XXXX XXXX XXXX have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, XXXX XXXX XXXX have decided to close the account on XXXX of XXXX. 
On XX/XX/XXXX, I reached an agreement with XXXX XXXX XXXX to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. XXXX XXXX XXXX did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.

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 06-01-2016 about Debt collection (Medical) with Mnet Financial Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was under XXXX when the debt occured, Placed on parent and childs credit history, when my mother called several times and asked that it be removed because I was under XXXX when it was incurred, they refused. Stating they do not removed from credit. ( My mother paid the debt ) This is illegal, as a minor I was not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello there - My payments have been mostly steady over time ; I chalked up minor fluctuations in the minimum payment to be the consequence of my own tendency to pay different amounts toward my student loans each month ; some months, I had an extra {$20.00} or {$40.00} to put toward the loans, so I did. I have only ever paid more than the amount due, be it {$2.00} or {$50.00}. I assumed this was why my minimum payments occasionally jumped by {$10.00} or {$15.00}. I did n't think much of it. 

However, upon logging in to make my payment this XX/XX/XXXX, I saw a {$100.00} spike. After conferring with a friend, I discovered that I was required to re-certify my income in order to maintain my current repayment plan. But FedLoan Servicing had 'notified ' me by sending a message to my account on their website, a small and unnoticeable section of a portal I use exclusively to make payments. It was akin to posting a sticky note on the community bulletin board in XX/XX/2017 - not only does no XXXX use bulletin boards, but a small sticky note posted among the decade-old XXXX newsletter felt deliberately deceitful. 

Now the interest has capitalized and I 'll suffer the consequences of XXXX 's failure to notify me of the need to recertify. It was either a lazy attempt to notify me or deliberately deceitful. XXXX is too weak an adjective to describe FedLoan servicing 's failures. Would it have been so difficult to send an automated email regarding this? An automated follow up?

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BlueChip Financial (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I obtained a loan thru Spot Loan for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as XXXX. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following XXXX. However, the agent ( XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am overwhelmed with stress from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I called citimortgage on Saturday XXXX and asked about getting a 2 month extension for my XXXX & XXXX payment. I was told to call back on XXXX which I did and went over my finances and was told I qualified for the 2 month extension. I was supposed to get a fax that day. I gave them my personal fax # XXXX. I never got the fax so I called back and they refaxed it but with a date of XXXX not XXXX which would have had me within the guidelines to get the extension. I have made lots of calls and been told lots of different things I was told I was approved and do n't worry about the fax they just need to have it uploaded. Now today when I called I was told I was outside the dates so I was declined. I would like to file a formal complaint I did my due diligence to get help and was told I was approved for the extension and now it is the XXXX the last day of the month and I am not able to make the payment. I would like for Citi to make this right by honoring the XXXX as the date of the extension approval.

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 07/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: in 2012 I applied for a loan modification with Bank of America and wasaccepted, the loan modification went thru and my mortgage payment waslowered .... a year and a half goes by and I start getting these packets viaXXXX, I complied with all that they required me to do and did more thanthey asked of me, in return for complying I was supposed to receive XXXXdollars from Bank of America well I never received a dime from the Bank. 
I received another packet of documents they wanted me to sign becausethey put my mothers name on the documents, my mother in law has beendead at least two years and I sent the Bank her death certificate at least 6times, so I signed the documents that the Bank sent me and on the line wheremy mother in law was to sign I wrote in Deceased just like the Bank told me todo, so I sent the documents back to the Bank and low and behold I receivedanother packet in the mail this time they needed a signature from my stepdaughter because when we first got the loan my step daughter was a co-signer, however I had her do a quick sale and her name was taken off of theloan so too make a long story short, in all I received 9 different packets fromBank of America each one needing different signatures and I complied toall that they asked of me, and the straw that broke the camels back was I justreceived another packet, now they tell me they are going to give me XXXX dollars, this has really been a burden on me, my wife and family I amso frustrated with Bank of America with their incompetence which is AmazingI ca n't sleep at night and have nightmares that the Bank is going to take myhouse from me, even though I always pay my mortgage on time ... .. sometimesI XXXX this how much Bank ofof America has been XXXX. I do not take this lightly this has beenthe worst ordeal I have ever been thru in my entire life ... HELP, HELP, HELP, before I XXXX .... HELP ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NV).
Issue: Trouble during payment process

Complaint: Since XXXX XXXX, XXXX, ditech has messed with my credit. At one point, Ditech took payments and applied them to escrow and therefore making me look late. I have payment history and monthly statements showing I made the payments. They do NOT CARE. On XXXX XXXX from Ditech advised that no notes were documented in my account that referred escrow payments or issues. I was behind now the month of XXXX. She advised that I was never late in XXXX and I told her " funny, you reported me to the credit bureaus 5 times! ". She said she had no documentation of that. Really? 

advised her that the additional personal notes and documentation I have shown that Ditech accidently put payment funds in escrow account instead of applying to my payment on or around XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX ''. XXXX advised me there are lots of records that cant be found since XXXX merged with Ditech. Also, I will mention for documentation purposes, when this merge took place, Ditech was also was not going to honor my home modification through the original lender XXXX. In XXXX, this situation forced me to contact XXXX Nevada XXXX XXXX to have them step in and be sure my modification was accepted and understood that the terms of a loan modification agreement does not change. In XXXX XXXX I received around {$100.00} from the XXXX Ditech XXXX action lawsuit. My credit was also reported that I was delinquent on XXXX and XXXX of that year. 
Ditech has numerous consumer complaints. I am a consumer who makes her house payment and chooses to keep her home. They have caused me headaches and restless nights trying to prepare paperwork for issues in the past, or resolve issues with your customer service representatives who dont care about the customer. 

I ca n't get this issue resolved and I am running in circles. I am now taking this to every social media outlet possible and will also file any and all complaints against them. This is not professional NOR FAIR to us homeowners who make our payments. Ditech Financial should be out of business and taken in for fraud. I also have late charges. For what? I do n't know.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Credit card) with D&A Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Third party debt collector is committing mail fraud and extortion by not providing verified and validated information with collections activities.

Company response to consumer: Closed with explanation