milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Mortgage (Reverse mortgage) with NATIONWIDE EQUITIES CORP (PA).
Issue: Application, originator, mortgage broker

Complaint: Nationwide Equities based out of NJ have been false advertising on Reverse mortgages. Nationwide has been sending homeowners solicitation through the mail to look like its a check and it says you have been approved for x amount of dollars. These are all homeowners that already have a reverse mortgage. I have had several clients of mine when I worked for Nationwide Equities that have read to me over the telephone what the check says of the solicitation. Most of all the mailers are coming out of XXXX XXXX office in XXXX Md. They print all the letters from that location. I have a list of about XXXX names that they have sent mailers too. I reported this along with another situation I came across when I was working at Nationwide Equities which XXXX and the FBI are working with me and my attorneys in NJ. Here is my incident number when I reported to the CFPB back on XXXX XXXX but got no response. I also have some information on kickbacks that certain employess are getting from using one title company who they forced me to use when I was employed by Nationwide Equities. My incident number is XXXX. My name is XXXX XXXX and my phone number is XXXX. My next call is going to be to XXXX XXXX at XXXX or XXXX XXXX XXXX. They have mailed out over XXXX false advertising fake checks for the last 14 months and are continuing to do this fraudulent activity still today on XXXX/XXXX/2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Credit decision / Underwriting

Complaint: I refinance my mortgage and it has been almost 2 months since my mortgage has been paid in full and Suntruct will not refund the money that was in my escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was told by General Revenue that I committing a crime by not paying this debt, this debt is from coming out early from XXXX University. This collection company said that I could be wage garnished/Bank levy/ or much worse. This company was not professional at all. I do not feel that it is right for a collection company to accuse and slam the consumer with how they are committing a crime. Everyone will one day go through hard times, but this company was rude and barely would let me talk to explain why the debt was in their office. I eventually paid it but I never heard nor got any documentation from them stating it was paid/closed. I requested it also but nothing at all.

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 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. 

I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. 

To my understanding I am not the first person this collection agency has falsely accused of owing money to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX I settled my whole Dept with your company in the amount of {$300.00}. After reviewing my recent credit scores from Equifax, XXXX, and XXXX XXXX, I noticed that instead of you guys reporting it paid in full, you in fact sent them a notice that I OWED you {$300.00} This in turn has opened a new negative balance on all 3 reports showing that there was a new account opened. I have called each reporting agency and all told me I have to go threw you guys and in turn, I have attempted to resolved his numerous times with absolutely no resolve. I have reported your company to the Federal Trade commission and soon going to report you to the better business bureau and the CEO as well. In turn, if it 's not resolved asap I am going to take serious legal action against XXXX XXXX XXXX. I want this and any affiliation with your company removed immediately with all 3 agency 's. I have paid the debt in full and in turn I will not allow your company to keep any negative judgement on my reporting agency 's. Enclosed is both receipts explaining exactly what your company did. 
Above is This is the receipt that your company sent to the reporting agency 's which in turn allowed them to report that instead of paying you the {$300.00} in full, that I actually had a balance ... ... ..!!!!!!! 

This is the actual receipt that should have been reported and I demand that you take this very serious and report the correct receipt to all 3 agency 's and have XXXX XXXX  taken completely off all my reports. 

XXXX XXXX XXXX, eqifax, and XXXX XXXX have all reported this as not only a charge off but new late payments and derogatory marks on my credit reports. Please tell them all that thes are paid in full. I have no emails to these company 's to send them the paid in full receipt. I want all agency 's to remove all affiliations with this account ....

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: G.C.SERVICES is reporting a collection on my account which has already been paid. Back in XXXX 2017, G.C. Services agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like G.C. Services to remove this account from my credit file.Please assist in getting it removed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Credit card protection / Debt protection

Complaint: I have had a terrible and frustrating experience with Citibank dealing with what started as a billing dispute, but was later revealed to be fraud. They are now telling me that they will not help further, even though they acknowledge the fraud, because of how the dispute was originally opened by their team they will not protect me. In other words, their zero liability protection claims are false in this case. 

There was absolutely no way to know this was fraud perpetrated by scamming " business '' until after the dispute was opened. Therefore there was no indication at all that I needed to speak to their fraud team first. This is not noted anywhere in my customer agreement or in any of the documentation was received. 

Once the merchant provided their " proof '' of the purchase was the fraud discovered. They fabricated receipts and also forged my signature. At this point I contacted Citi again and followed all of their instructions. I even spoke with a security specialist who assured me that the fraudulent charge was being removed and I was not liable at all for it. He also closed down my account and issued a new card. 

Today they are telling me that they misinformed me and they will not offer liability protection. They made an offer of a {$250.00} credit which still leaves me out of pocket about {$500.00} for this fraud. They also made a completely unhelpful suggestion or working with the merchant directly, contacting local police, or even the better business bureau. And these suggestions were made while they clearly knew this fraud occurred while I was travelling out of the country. Not one of those suggestions was remotely helpful. 

I am beyond belief and in desperate need of help trying to not let Citi to allow the bad guys to win and to honor both what they told me and what is posted on their site about liability protection. 

Please assist!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I went on XXXX XXXX and started purchasing airline seats. A pop-up on XXXX XXXX website offered me an XXXX XXXX XXXX XXXX XXXX XXXX credit card with XXXX miles and a {$50.00} credit on my next bill if I would apply to the card and use it to but the tickets, with the condition I spend over {$3000.00} on the card within the next three months. I have spent over 4k in less than two months so I called Citibank and asked how long it normally takes before I received my miles. I was told by the Citibank rep that I had a previous XXXX card 1 year and 51 weeks ago and that I was disqualified because It had n't been more than 2 years. I 'm very upset that I was solicited online and approved immediately for the card without the two year term being mentioned. If I had known, I would n't have applied for the card and used one of my cash-back credit cards. I feel this is a very deceptive practice especially since I was solicited with this offering on XXXX XXXX prior to purchasing seats.

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 12-11-2015 about Debt collection (Medical) with Transfinancial Companies, Inc (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed a debt on my credit report from this collection company, Transfinancial in XXXX XXXX, for {$150.00}. I contacted them to pay and was repeatedly yelled at and hung up on by a female employee. I then contacted the hospital directly and found out there were XXXX debts, ( XXXX for {$150.00} each and XXXX for {$210.00} XXXX, totaling XXXX. I paid {$300.00} on XXXX XXXX and {$210.00} on XXXX XXXX, 2015 directly to the hospital since multiple attempts to pay the collection agency failed. 

When I paid {$210.00}, I confirmed with the hospital that Transfinancial will be notified of the payment in full that day in accordance with their policy. 

Yesterday, ten days after paying all debts, Transfinancial posted on my credit that the account totaling {$210.00} was seriously past due and in collections. This debt has never been posted on my credit when it was actually due. It is incorrectly and illegally posted since the debt was paid in full and the posting was after the debt was reconciled. This should have never posted in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX has reported to the credit bureau, XXXX, the same debt twice in the amount of {$810.00} totalling {$1600.00}. The collections are showing on my credit report both times and are hurting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Equifax states that they have investigated the information and found the information to be accurate, which they would find it is not if they verified the information through the Ohio Attorney General ( lienholder ). 

What method of verification is Equifax using? Are they using an automated system or actually calling the Ohio Attorney General to verify the information that I 've previously stated? A tax lien is a big deal and it 's inappropriate for due diligence not to be acknowledged for the sake of saving time. 

My complaint was not whether or not the lien could be verified. The complaint was that the agency has not abided by the lien holder 's request to remove the lien from my credit report, as XXXX and XXXX has already done. 

The agency is using simply using a program to scan for information as to calling the Ohio Attorney General 's office directly and verifying that they have, in fact, requested that the lien be removed from all credit reports -- again to which all have complied except Equifax. 

The Ohio Attorney General can be reached at ( XXXX ) XXXX to verify that the lien should be removed. Please do the due diligence required in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Bank account or service (Other bank product/service) with First Data Corporation (MD).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/15, I attempted XXXX purchases with my debit card issued by XXXX XXXX XXXX XXXX. Both were declined although I had funds in my account. I visited the credit union on XXXX/XXXX/15 to see what happened. The representative informed me that the debit card issuer STAR determined that my card was compromised and cancelled it on XXXX/XXXX/15. I had received a new card, but did n't activate it because there was no explanation issued with the card about why my current card was being replaced.Although my card was cancelled on XXXX/XXXX/15, no one informed me and I continued to use the cancelled card until I was embarrassed in a restaurant trying to pay for lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: When I originally signed my mortgage agreement ( a 30 year fixed rate FHA loan XXXX, I was given an estimated monthly payment of {$1400.00}. Of this amount, about {$820.00} was principal and interest and the rest was escrow XXXX property taxes, insurance, mortgage insurance, etc. ). Both my mortgage agent and the mortgage originator were aware that my property taxes would be adjusted based on the selling price and I was told that the {$1400.00} was an accurate estimate based on all available information at the time of closing. As it turns out, this estimate was very far from being accurate. 

After being in the house for approximately 1 year, I was told that my monthly payment would be going up by {$30.00} per month. I was not happy about this, however, I understand that it is not always possible to accurately estimate expenses so I paid it without complaint. Then about 1 1/2 years after closing ( which was about a month ago ) I received a letter saying my monthly payment would be going from {$1400.00} to {$1700.00} per month, primarily due to higher property taxes. 

This was upsetting for several reasons. First, I can not afford to pay an extra {$240.00} per month for home. Secondly, the property taxes due for 2015 were based on the selling price of my house XXXX not a higher value ) and this was known when my original escrow was calculated. Third, when I called my mortgage service noone ( not even the " operations manager who I waited on hold for 30 minutes to talk to ) could explain how this outrageously higher escrow amount was calculated. All he could say is " Well, it looks like your property taxes went up. '' When I explained that my mortgage company knew they would go up and by how much when my original monthly payment was given to me he had nothing to say. 

To me, this seem like a classic " bait and switch '' tactic by the mortgage agent, the mortgage originator or both. I say this because all of the information needed to give me an accurate estimate of my monthly payment was available when I closed on my home. Instead of providing accurate information, they ( apparently ) estimated my escrow based on property taxes that they knew were lower then those that I would have to pay. I am shocked and want to know if this is legal and XXXX if so ) how it could be so. After all, all other types of installment payments ( that I am aware of ) require an accurate disclosure to the consumer of their monthly payment obligation. After all, if this is not provided how can the consumer determine if the home is affordable or not when they make a 30 year debt obligation. 

Thank you for your time and I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a Credit Freeze with Equifax XXXX XXXX XXXX XXXX, XXXX GA XXXX. I applied and paid at the Equifax website for a temporary lift on XXXX/XXXX/2016 that I could submit to a bank to process a credit card application. Equifax would provide the required information in a PDF file but the Equifax website crashed with a software error ( something to the effect that it could not start XXXX reader or similar ) and did not produce the PDF file with the information. 
Equifax does not provide a customer phone number ; Equifax does not provide an email address ; so there is no way to communicate with Equifax to either have a refund and try the request again, or for Equifax to allow to try the request again, or for Equifax to simply email the PDF file. 
The Equifax website will provide a customer phone number only if you have an account with Equifax but to have an account with Equifax you must have purchase a product or a service from Equifax. The fact is that I do have purchased and paid for XXXX product/services with Equifax : I purchased and paid for a Freeze product, and I purchase and paid for a Unfreeze product but Equifax never provided an account number for those product/services. 
Equifax only provides a XXXX XXXX XXXX number for resolving this issue. This is not acceptable because the bank credit card application for which I need the unfreeze report has a time limit and postal service resolution is not a viable alternative. 
This is a deceptive and shady business practice by Equifax. Clearly the intent is to discourage the use of credit report freezes. Equifax should provide a way to resolve these issues in real time either by providing a phone or an email address.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had no credit inquiry 's on my trans union report before XXXX 2016, i applied for a credit cars and was denied do the fact TO MANY INQUIRY 'S on my report. I did find out that TRANS UNION had a cliche in their system and as of XX/XX/2016 all XXXX inquirys where back on my report. I called and they told me nothing they can do. I called apx 5xs and NOBODY would transfer me to an AMERICAN SUPERVISOR ... still till this day i cant get someone to help me.

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 08/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Following up on case # XXXX. Citi told me in its response to my CFPB complaint that it would credit me XXXX miles within 60 days. That was on XXXX XXXX, well over 60 days ago. I called Citigold today to ask why the miles were n't posted yet and they told me it was XXXX XXXX ' fault. But then the rep admitted she could not see any record of the CFPB complaint ( which the executive response unit handles ) or of the letter they sent me ( and to you ) promising the miles. 
I just want these miles. It has been over 5 months since I earned them, and Citi has failed to fulfill the promise it made in response to my initial CFPB 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 non-monetary relief