milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (CA).
Issue: Closing on a mortgage

Complaint: Re : Address : XXXX XXXX XXXX, XXXX, CA XXXX I just a Notice of Default for Citi Bank, NA from XXXX XXXX XXXX of XXXX XXXX who is acting as their Trustee. Their first Trustee, XXXX this mortage was executed on XX/XX/XXXX and subsequently recorded as Document Number XXXX. However, they volitionally executed a full reconveyance of the mortgage on XX/XX/XXXX and recorded that reconveyance on XX/XX/XXXX as Document Number XXXX. 

The execution and recording of a reconveyance deed, Extinguishes the Deed for all time. XXXX XXXX XXXX and XXXX XXXX v. XXXX XXXX ( XXXX ) XXXX Cal. App. XXXX XXXX, XXXX citing XXXX v. XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX. App. XXXX XXXX, XXXX [ Recordation of the deed of reconveyance extinguishes the lien on the property created by the deed of trust. ] At that time the mortgage became extinct, or best completely unsecured by the extinguished deed of trust. XXXX. XXXX. XXXX XXXX. They then have no secured creditor position on their property. 

The reconveyance was of their own free will and, can not be unilaterally rescinded. Furthermore, the status of all purported encumbrances on the property is the subject of current litigation XXXX XXXX Superior Court Case Number LC XXXX in which Citi Bank was named as a defendant and had its default entered. 

The continued assertion of secured rights to our property is slanderous, and further violates Fair Debt Collection Practices Act ( 1692f ( 6 ) ),  which regulates collection of secured debts under the Ninth Circuits recent ruling in XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/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 10/20/2016 about Debt collection (Medical) with Senex Services Corp. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex wife has claimed this debt with XXXX XXXX XXXX ( where the debt originated ) and also with Senex ( the debt collector ). Senex continues to attempt the collect the debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Consumer Loan (Vehicle lease) with Campus Student Funding, LLC (FL).
Issue: Managing the loan or lease

Complaint: I lease a motorcycle like 2 years ago, my motorcycle was stolen 3 months ago already and nothing has been cleared, I call and they always have some excuse, never is their fault, they are saying I 'm 2 months behind my payments and that my insurance company has n't paid the motorcycle yet, when I have my bank statement and I fax it to them showing I have made all my payments, also I have all the paperwork from my insurance company showing the check number and copy of the check and transaction showing that they have already received the money and cashed it, THEY TOOK THE MONEY ALREADY, and they still XXXX my credit and they do n't update the information in the system, it 's seems like they want your money and XXXX you the way they can ... I filled a claim with my CREDIT REPORT and with the XXXX already, next step is going to put a lawyer in this case and they can figure it out with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Payday loan) with EMPIRE MEDIATION SERVICES LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named EMS continually calls me regarding a payday loan that I never took out. They are stating that I took the loan out in XXXX of XXXX and it was deposited into a XXXX XXXX account. I have had a XXXX XXXX account since XXXX and I have n't taken a payday loan out since XXXX. I do not recognize the loan company that I supposedly took the loan out with. This company has gone as far as contacting my direct family and my in laws. If I did take a loan out I would not have put my family members phones numbers on the loan as contacts. They refuse to stop calling me unless I submit a form to they mailing address to stop and desist on the phone calls. They are threating me with taking me to court for the full amount owed plus legal fees the have accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: I purchased an item from Home Depot interest-free fro six months. XXXX, XXXX, told me that there would not be any interest for six months. Butas I was making payments, they added interest, back dating the initialdate of purchase. Now without resolving this problem, they have inflatedthe amount by adding interests, which is not proper at all. Additionallythey cut down my credit line to the amount owed to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WI).
Issue: Problems when you are unable to pay

Complaint: my car was repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Taking out the loan or lease

Complaint: In 2006 I had A auto loan with wells fargo and the car got stolen and the insurance company paid the car off but wells fargo started reporting a balance to equifax and now 10 years later XXXX is still reporting this ( A BANKRUPTCY ONLY STAY ON YOUR REPORT FOR 7 YEARS ) but this show you how big banks control credit reporting agencies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. ().
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: On XXXX XXXX XXXX Citibank issued and on XXXX XXXX XXXX charged me four billing charges that I never requested without no cards given to me. 

XXXX XXXX excludes all dates of transactions in all Citibank monthly Easy pay transaction Reports since XXXX through XXXX period eliminating contents of credit and payment history that I paid as a borrower causing potential loss on my side during that period. 

Citibank paid unauthorized charges for a period of more than five years under one bill service program though I had instructed Citibank to stop payment and discontinue the one bill service Citibank applied late fees and interest and other charges to my monthly billing statement for repayment for a period I filed a complaint for resolution to the above violation of law. 

Citibank on XXXX XXXX XXXX illegally withdrew my fund in my saving and investment account in Citibank from an electronic transaction for a reason that they claim I have late payment that is more than 30 days during the time I file a complaint.

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 06/20/2017 about Debt collection (Other debt) with NAM National Arbitration and Mediation (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: OnXX/XX/XXXX I received a letter from collection agency stating they had purchase debt from XXXX for unpaid phone bill for {$320.00}. I never had or authorized anyone to open a XXXX account. I filed a police report with my local police department at that time. The officer called the agency and was informed the it will be forward to XXXX Fraud department. The officer call me and inform me of the status and that I should be receiving a call from XXXX Fraud Department. I received the call from XXXX who verified some information and stated I will not e responsible for the amount as it fraud. When I asked how the account was open, the XXXX agent stated it was open using my SSN. <P/>On Tuesday XX/XX/XXXX, A.D.R. GROUP, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX XXXX, contacted me threatening to file civil lawsuit for unpaid debt for total of {$990.00} unless I settle out of court for {$320.00} I inform their representative that this debt was result of identity theft therefore fraud. <P/>I then contacted Town Of XXXX and submitted a FOIL request to attain copy of the police report. Just received the report and following up on the ADR Group I found numerous complaints along the same line on what happening to me. All complaints involve ADR Group going after debt from over ten years and debt that was already paid, but still threatening lawsuits.

Company response to consumer: Untimely response
Consumer complaint received 04/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to open an account with XXXX and I was told that I already have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt with them for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been with XXXX XXXX XXXX since XX/XX/XXXX I know that is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Installment loan) with Enova International, Inc. (UT).
Issue: Managing the loan or lease

Complaint: Lender was unable to explain to me why my balance owed is more than originally presented to me at application.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (I do not know) with R.A.Rogers, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of debt. Contacted collections and original creditor and XXXX parties have yet to provide accurate validation or liability of debt that 's in collection. Having called numerous times to resolve this matter they have been extremely rude and lack customer service to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax 's negligent, fraudulent mismanagement of client security data is beyond reproach. Their lack of security exposed tens of millions of consumers to identity theft and financial ruin. I was among those who had their data compromised and I demand an immediate inquiry into the company and suitable repercussions for the crimes they have committed by losing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I took a loan with CitiMortgage. The loan included PMI. I made a large principle reduction to get the loan down to 26 % loan to value even though the loan was only 9 months old. Citi requires that I pay {$380.00} for an appraisal so I can save the {$59.00} per month PMI.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XX/XX/XXXX,  my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Portfolio Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Debt collection (Payday loan debt) with LENDMARK FINANCIAL SERVICES (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been disputing this account for years. The account was opened in XX/XX/XXXX and was paid in full. I have never received communications that they were attempting to collect a debt or notified of any legal rights that I have to dispute the debt. I have not been provided proof that I owe the debt. <P/>Worse of all they report that I last made a payment XX/XX/XXXX which is not true in any way shape or form and extends the statutes of limitations of the time this loan can be reported for an another almost two years. <P/>I ask that they show proof of a payment that I made on XX/XX/XXXX or remove that date from the report, I ask that they show proof that they sent written communication of an attempt to collect a debt and that they can validate and did validate that I owed it. <P/>This is not a valid debt and the reporting dates of payment is wrong, the debt is paid, and I ask it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: DISCOVER BANK IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE   XXXX   BUREAUS SHOW IT. DISCOVER SAID IT IS N'T SO.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: Husband XXXX and I, now XXXX, are in business together. We XXXX. for 30 yrs. and XXXX. Husband gets diagnosed XXXX at age XXXX, wife takes over total running of business to keep our income. Cost of hubbies XXXX XXXX $ XXXX/mo. or $ XXXX/year and going up appx. $ XXXX/mo. or {$3600.00} in annual increase. We have no long term care insurance. Wife rekonizes income shortgage and applies to re-finance XXXX. to get lower fixed interest rate, 4.375 % quoted at time of application to replace 10 year arm mortgage with {$1400.00} to principal and {$980.00} to interest each mo. Loan size is {$400000.00}. I submit documents : Signed application, Power of attorney, trusts, XXXX XXXX account, all insurances, copy of mortgage statement, copy of rental agreements, rents received, other sources of income, 3 months of checkbook activity, they run my credit score, they report XXXX. Building is appraised at {>= $1,000,000} by their appraiser. They are now dragging their feet, telling me they have to study my many documents. They gave me a lock, expiring XX/XX/2017. I now fear they will deny my application due to age XXXX and hubby with XXXX. Do I have any rights at all. Currently I am struggling with high cost of XXXX XXXX. XXXX. I became very sick myself in the 5 years of XXXX prior to putting him in his XXXX. I must however continue working, and keeping the business going. Thank you for allowing me to voice my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: Chase is reporting me negatively to the credit bureaus as being 30 days late back in XXXX. 2014 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX XXXX, it will be corrected they still continuing to report it negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX XXXX, 2017, contacted First Citizen Bank. Checks were ordered but I had not received them. Spoke to customer service with no results. I was even told that the order might not have been placed ... Nonetheless, when I looked on my account the bank had taken {$1.00} ( XXXX XXXX ) from my account. When I made an inquiry in reference to this, I was told that I had to pay this fee for there service. I have had this account for over 3 ( three years ). Never charged for any info until now. So if I need any assistance from this bank, I will be charged??? Insult to injury because I could n't even order checks online because they would n't accept the routing number ... so you figure it out. I am terribly disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2018 about Mortgage (VA mortgage) with BB&T CORPORATION (TN).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX, My wife and I applied for a VA loan with BB & T. The original closing date given was XX/XX/XXXX. After 2 months of waiting, The Bank gave a new date of XX/XX/XXXX. On XX/XX/XXXX, the excuses being provided is that things are completed but not released. This are the same excuses that have been given for the past several days. 

The lack of effort to resolve the closing and paperwork has placed my family in a financial bind due to renter notice of leaving, moving company rescheduling, and several other foreseen problems with utilities and such. 

The processors have delayed the paperwork necessary to complete the loan process for over 10 weeks.

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 08/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied for a auto loan at One auto dealer and it is now showing that I have XXXX hard credit inquiries so of of the other dealerships I visited must have done a Hard inquiry when I did not give them permission ... the only auto dealer that should have done a hard inquiry on my credit is XXXX XXXX and no one else was given permission to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not reconize this debt as mine, this company has fail to validate this debt, therefor I'm requesting for it to be deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: For the month of XX/XX/XXXX I was behind on my mortgage to Primelending and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XX/XX/XXXX, I submitted my payment in the amount of {$2500.00} ( late fees included ) to Primelending, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing Primelending to initiate the transaction soon after.
Today XX/XX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never  taken out. I immediately contacted Primelending customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XX/XX/XXXX. I still have yet to receive that letter.

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