milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen in XX/XX/2014 and a collection bill for XXXX, an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.

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 01-09-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, I went to XXXX XXXX to make a purchase because I had gotten some coupons in the mail ( which can only be used IF you use your XXXX XXXX card ). Knowing that I had not used the account for a while I went to the store with the only XXXX XXXX card I had. the sales rep that helped me throughout my purchase ( I am sure she was getting commission for the sale and anything else that happened ) asked me for my XXXX XXXX card, which I gave to her. She ran it through and said the account was not active. I told her that I knew that I had an active account because I was still receiving the coupons and I had made a purchase within 6-12 months but I did n't recall exactly. The rep advised that she could not find any active accounts under my name and asked if I wanted to submit an application for a store card so I can use my coupons ( 25 % off sale ). I said yes. As soon as I completed the application on the pin pad, the sales rep tells me " I found your account! '' printed a day-pass ( that acts as a bar code for my card ) and said that if I had n't received a card for this account to call customer service for it, which I never received the card. What seemed to me was a weird transaction became even worse when I received an adverse action letter from XXXX XXXX credit advising that I was not approved " because I already had a XXXXXXXX XXXX account and I could not have 2 open ''. I called XXXX XXXX credit, advised of the entire situation. The issue is, that if the sales rep would have completed their due diligence PRIOR to the application, I would not have submitted it and I requested XXXX XXXX to remove the credit inquiry. The rep on the phone said no, because I submitted the application, which is n't the issue. It seems, that the rep does not understand the concept of Unfair and Deceptive Acts in order to have a customer submit a new credit application ( when in fact it was not needed! ). I know the sales rep got commission for my purchase, but also makes me wonder if they get credit for submitting credit applications. Again, if the rep would have reviewed my profile thoroughly BEFORE making me submit an application, she would have found my ACTIVE account and the application would not have been needed. I believe this is negligence on the XXXX XXXX rep side and because of it the inquiry should be removed. They are in clear violation of UDAAP by not doing their due diligence in finding my account before they made me submit the application.

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 non-monetary relief
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on my mortgage and had to file bankruptcy XX/XX/XXXX 
After I graduated from college, my income decreased significantly. 
PHH sent me a packet to submit for a loan modification, they have myhome listed for foreclosure. I submitted all the requested documents and contacted XXXX as my advocate. I have received XXXX letters fromPHH requesting the documents that I had submitted in XXXX. 
I have yet to speak to the assigned case manager XXXX XXXX, I have annotated and faxed the documents requested for a secondtime. I have called to check the status of my packet as it is goingon XXXX+ days, and when those days expire I have to start thisprocess over. PHH has my home listed for foreclosure. I purchasedmy home XX/XX/XXXX, I am retired military veteran with a fixed income. 
All documents requested were submitted to PHH and XXXX. 
I am desperately trying to save my home and just want theloan modified so I can afford the payments. I was told today that mypacket was submitted for review and I do n't know what else to do butrequest additional assistance to help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan mortgage was modified due to TILA violations by XXXX XXXX XXXX. The loan came with {$1000.00} per year principal incentive for 5 years provided I was timely in my payments. The XXXX {$1000.00} credit was issued by XXXX XXXX in XXXX XXXX the 1st year anniversary of my modification. The loan went from SLS to XXXX XXXX in XXXX. In late XXXX the loan went to Bank of America. In XXXX XXXX I contacted BOA by telephone and through the messaging Center about the missed {$1000.00} credit to principal. To date it remains uncredited. There response was they do n't have any documents that explain such a credit. I faxed those documents to them and requested they send me a copy of what documents they do have from the transfer from XXXX XXXX to BOA. I got no response and no credit. The transfer of the loan to BOA has been a mess from the start. I want my credit and an apology for having to work so hard for something that was agreed to in writing in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015, Im received a cancellation email from American Express. After, receiving the email i called customer services, and then got transfer to a credit special in another department. Im ask them why my account were cancel, since i was making payment on time and my credit score and financial affairs are all good status. Agent said because my credit fall to XXXX on XXXX XXXX. Im explain to them that right at the moment i have a credit score of XXXX and do n't understand why they took this decision. Then the specially mention inquiries I 'm have done with other banks, and Im said I 'm have apply to other credit cards company during the last past days since my income have got up. Then the customer services he will take in to consideration and will give a decision within 90 days. I called today, and i spoke to another American Express agent and he said I 'm was denied. 

Im feel I 'm was discriminated and rejected for making payment on time and having a good credit score. Im have almost XXXX rewards point in less than 3 months and I 'm were trying to be the best customer and then for not reason at all they closed my account. I 'm believe I 'm lost about {$500.00} worth of reward points. Im strongly believe this is unfair and discriminatory and wonder how can you help me take this in to the next level, because what they just did it just unfair under bill of rights. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Wilson, Riley & Associates (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My husband received a phone call from an " unknown '' number the week of XXXX/XXXX/16. He did not answer and they left a voicemail stating they were looking for myself. They used my maiden name ( I 've been married for 4 years ) and they stated they need to serve me a summons. They stated I need to call them back and ask to speak to the arbitration unit and reference a summons number ( which they provided in the voicemail ). She said if I do not call them back, " I will come to your home and your job to serve an arrest warrant ''. This lady also called my father and my brother, both who live out of state. The following week I received 5 calls, all within a matter of 2 minutes, from the same unknown number with a voicemail saying the same thing as above. I feel very threatened by this. I only have XXXX things on my credit report that need paying on, all of which I am doing so and have been in communication with those companies. I do not know what this is in regards to, and I am not going to call them back. I googled the phone # and there are many complaints from this company from other people. They call you and threaten to have you arrested by coming to your home or place of employment. This is extremely unprofessional and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a loan modification under the hardest hit program on XXXX XXXX 2016 through the XXXX organization XXXX told me they submitted my application on XXXX XXXX 2016 since that time ditech mortgage brokers South Dakota has changed my account number add an escrow account increased my payment and denied me my loan modification I never had an escrow account on my mortgage I paid my own taxes and my own insurance I 'd like to know why or how they change my account number for my mortgage added an escrow account to my account I never signed any such papers authorizing ditech to change or add my phone number are escrow fees im considering fileing a civil complaint against ditech of South Dakota thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have debt collectors calling my home phone number XXXX constantly for debt they are trying to collect for other people with the same last name or people who are in my family. They call and leave threatening messages constantly about serving papers to XXXX XXXX ( not me or anyone in my household ). If I pick up the phone the autodialer hangs up on me every single time. They call from toll free numbers, numbers showing fake names ( caller ID Spoofing ) or cell phone numbers with area codes all over the country with no names attached. I am sick and tired of the abusive calls to my home all day and night. On XXXX/XXXX/15 XXXX CST they called from XXXX. Over the years I have told them repeatedly that I am not XXXX XXXX nor am I paying her debt. I do n't think I should have to change my phone number because of these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have a $ XXXX revolving account with XXXX XXXX. Experian is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to Experian but they are not reporting it.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Chexsystems took longer that 45 days to reply to my dispute. Once I noticed them that they have to delete the information they sent a reply for the dispute in with the same information provided before. They set a deadline and missed it. Per their website : " your dispute will be considered as received on the following business day.   If you provide additional information or documentation relevant to the dispute while the investigation is pending, the investigation time frame  may  be extended by up to 15 days to give the source sufficient time for review.   Once it is completed,  XXXX  will notify you of the results of the investigation by mail at the address you provide ''.     30 days plus  15  additional days were also past they resonponed on   XXXX   XXXX   I disputed in late   XXXX   XXXX     when I placed a security freeze on my report. I received a confirmation of the freeze and my PIN on   XXXX   XXXX   XXXX     and never heard back until   XXXX   XXXX   XXXX      two  days after I filed a dispute against them and their reporting. In their packet your information was included. I mentioned I am going to report this as well. They can not just help banks out, this is not fair. I can not open a chekcing account due to errors and {$0.00} balance bank account reporting on  XXXX   Reference  :   XXXX   XXXX     XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, My wife and I have repeatedly reached out to Chase Bank in an effort to get them to correct this matter. I 'm asking for PROOF. 
Chase Bank has continued to refuse to act. They 've collected mortgage insurance premiums, but according to HUD, My wife and I DO NOT have a FHA home loan. Chase Bank wrote that they researched the matter and found that our case number with FHA was cancelled due to non-endorsement, and FHA REFUNDED OUR MONEY to XXXX. I 've repeatedly asked that PROOF be given to my wife and I that the money was sent to us or applied to our account. 
According to Chase Banks response, case number XXXX, they replied with " Your loan closed with XXXX, and we began servicing your loan on XXXX XXXX, XXXX, based on the terms and agreements you established with XXXX. Our records reflect that XXXX refunded {$1700.00} to you by sending a check to you on XXXX XXXX, XXXX. Due to the age of the transaction, and the fact that we do not have XXXX historical records from that time period, we 're unable to provide a copy of the check. 
Chase Bank also responded on XXXX/XXXX/XXXX to case number XXXX with " On XXXX XXXX, XXXX, the United States Department of Housing and Urban Development ( HUD ) cancelled your case number due to non-endorsement. We 've enclosed a copy of our previous letter dated XXXX XXXX, XXXX, and a copy of the letter sent from XXXX dated XXXX XXXX, XXXX, for your records. " This letter that Chase Bank sent from XXXX dated XXXX XXXX, XXXX states " If you paid any upfront FHA insurance premiums at the closing of your home loan, they will be REFUNDED AND APPLIED TO THE PRINCIPAL BALANCE of your loan. " So, which is it? 
I 've emphatically stated that we did not receive a check from XXXX. 
The letter provided by Chase Bank from XXXX says the refund of {$1700.00} would be applied to our principal balance. 
Chase Bank wrote that " Our records reflect that XXXX refunded .... '' And in the same sentence wrote " and the fact that we do not have XXXX historical records from that time period '' AGAIN, WHICH IS IT? either you have the historical records or you do n't! 

This clearly shows a blatant attempt to deceive and mislead us, and I 'm demanding it is investigated by the proper authorities. I 've enclosed a copy of the letter from XXXX to ACTUALLY PROVE what was written. 
Since Chase Bank allegedly does not have XXXX historical records, perhaps they can review the history of our account and show where OUR MONEY was applied. 
This is a criminal act called theft. XXXX took our money, failed to properly secure our endorsement from HUD-FHA costing me thousands. XXXX continued collecting mortgage insurance premiums until XXXX of XXXX. 
Chase Bank purchase XXXX, and says our money was refunded. PROVE IT. 
The next letter Chase receives will be from our lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: After years and years of the paradigm of a monthly transfer of funds from my corporate bank to my personal account with Citibank, to facilitate my ability to pay my personal bills ( Rent, utilities, personal expenses, etc ) and depending on having the funds immediately available to make those payments ; this month ( XX/XX/XXXX ),  without notice or warning, Citibank suddenly put a hold on my funds leaving me in the position of being unable to pay my rent. 

Calls to Citibank resulted in a complete unwillingness to correct this, although they indicated my account had no issues. They indicated they were doing this broadly, as if these criminals XXXX  more people lets them off the hook for their unconscionable actions. 

Im now left unable to physically make a rent payment. 

Citibank is a criminal enterprise. They need to be treated as such by oversight groups within the United States government. In XXXX these predatory monsters attacked me financially through their credit card division causing financial injury. At that time, as is the case here, I did nothing to warrant their actions ( as they repeatedly admitted ) At the time the Consumer Financial Protection Bureau did not exist and the corrupt OCC was zero help. I was left without recourse.

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 05/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Struggling to pay mortgage

Complaint: A time line is attached. My mother applied for a HELOC in the est. amount of {$38000.00} in  XX/XX/XXXX  and suffered a   XXXX    XXXX  in  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  . She was a   XXXX   XXXX   XXXX   having  XXXX  three times a week and struggled from the time she  XXXX  - in and out of the hospital,  XXXX ,   XXXX   XXXX   XXXX  , admitted into  XXXX ,   XXXX   XXXX   XXXX  , and all along, she tried to rebound, but did not until she passed away in  XX/XX/XXXX . While enduring the instances mentioned, my father was also struggling with the after effects of   XXXX    XXXX  and  XXXX , later passing away in  XX/XX/XXXX . Neither my father nor I realized that personal fraud was occurring in my mother 's Bank of America account until  XX/XX/XXXX  or  XX/XX/XXXX . My father noticed that something was wrong and asked me to find out who the strangers were listed in the account. I followed his direction and went to the bank and the manager spent the time to review the account and discovered that people were stealing funds. She gave me the necessary paperwork to complete while in the bank and with her assistance, the account was closed. There is no conceivable why that my mother could spend that amount of money during the time she applied for the funds, enduring her   XXXX   and until her passing. As did my father with his separate bank account that he held at another banking institution, my mother always managed her finances. Along this time, she was receiving her annuity from her previous employer,  XXXX   XXXX . Time and time again, I have filed reports with the bank with no resolutions and it does not settle well to pay back money when it was stolen.

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 11-11-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus, Inc filed a false report with the XXXX major credit bureaus indicating that my XXXX 2015 mortgage was late when in fact they received the total loan payoff on XXXX XXXX, 2015. It should be noted that late fees are not assessed until the XXXX of each as per the terms and conditions of our contract. I am unable to secure a mortgage for my new home because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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 am unable to upload documents in support of my credit dispute to Experian.com. Their upload form is broken. I 've tried 5 different browsers ( latest XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) and followed their instructions precisely but continue to receive the same error which lacks any explanation of the problem. I called their customer support number but they have no menu option for dealing with disputes or technical support. The recording says only to mail in a communication along with numerous identification documents that I do not have.

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 non-monetary relief