milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a chapter XXXX bankruptcy that I was discharged from in XXXX of 2015. I have XXXX mortgages that are serviced by Ditech, loan # s XXXX and XXXX. Ditech continues to report my accounts as in Bankruptcy and has been appling additional payments to principal made during the bankruptcy period and since my release to future payments, instead of reducing my outstanding loan amount. I have contacted Ditech numerous times and have provided requested documentation and they have yet corrected either item. The process of correcting these items has cost me a tremendous amount of time and continues to affect my credit rating, my ability to refinance these variable rate loans and cost me additional interest expense due to the improper allocation of principal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Again this nightmare with Citigroup!!! A year ago I am dealing with this stressful situation with this Company! and now they are reporting me with two different collection agencies at the SAME TIME!!! 
I called both and they reject the account because they can see this is crazy! 
One of the agent told me, they can not report me with two agencies at the same time!
Now they have a new one!!! the third agency involved and I contacted the President of Citigroup but NOT cares about this!
The same CLOWN than year ago, was ACTING to help me, when the company close my account because the lady did n't like and do n't understand my accent! 
Sent me a letter again, then a new agency is contact me about some amount I DO NOT own Citigroup! 
It is NOT my fault if employees from this big MONSTER company like Citigroup, do n't have track of customers information, and they are giving the wrong information over the phone! 
Here I am attaching the last letter, I sent again to the President, following recommendations of the agent, in one of the agencies they reported me. 
You can see too, the anwser of XXXX XXXX XXXX and copies of three different agencies I have been report in one year but NOT succes, from XXXX XXXX who is crazy about to make me pay some amount, I DO NOT OWN. 
Please any question, feel free to contac me @ XXXX or XXXXXXXXXXXX. 
Thanks a lot, XXXX 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 07-07-2015 about Credit card () with DISCOVER BANK (NJ).
Issue: Closing/Cancelling account

Complaint: I received this email. It is ashamed that someone should should be forced to buy to keep a credit cardDear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, we have closed your account as of the date of this letter. 

This action was taken for the following reason ( s ) : Inactivity on your accountWe will credit your account with your Cashback Bonus ( R ) ( or Miles ) balance if you have one. 

Should you have any questions regarding the actions taken on your account, please contact us Monday - Friday XXXX ET, by calling XXXX. 

Sincerely, Account Review TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 

For a free copy of your credit bureau report, contact : XXXX CONSUMER RELATIONSXXXX XXXX XXXX, XXXX XXXX also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 

Type of credit score FICOYour credit score XXXXDate XX/XX/2015Scores range from a low of XXXX to a high of XXXXKey factors that affected your credit score were as follows : XXXXThis information was provided to us by XXXX CONSUMER RELATIONS, a consumer reporting agency. 
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Payoff process

Complaint: I went to a Chase bank located in XXXX XXXX NY on XXXX XXXX XXXX and the rep asked me if I had a chase credit card. She advised me of a 0 % credit card for 18 months that I would qualify for. It is the Chase freedome card. I applied on the spot and got a large credit. What the rep did not disclose was that Chase does not offer you the option to pay greater than the minium amount via automated bill pay. You get XXXX options either pay the minium amount or pay the full amount. This is defrauding the consumer as it forces you into a balloon payment at the end if you can only pay the required minimum payment. I called Chase they confirmed that they only offer minimum payment via auto pay or you can go in monthly and pay greater than the minimum amount. This is not standard payment policy because if you have a credit card with Chase that has an interest rate charge you can pay more than the minimum payment via auto pay. Chase in this case is offering 0 % credit cards but not allowing you to pay greater than the minimum in an automated fasion. This is not disclosed at the time of offer or is it disclosed on the statements either. Please advise whether Chase has the right to change its payment options on different products and if so, are they not supposed to disclose this information?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Medical) with Frost-Arnett Company (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Collector called number OTHER than my number ( husband 's business cell ) and disclosed amount, nature of bill AND who bill was for to party other than myself. First began by saying they were wanted to verify employment ( I have worked for him in the past ), then wanted to verify address, then tried to verify number. When soc security number verification was refused and asked what this was in regards to, they released the amount, nature and biller to someone other than myself which is in violation of law. They also blocked their number which is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following account that Experian continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE

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 04-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the " trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped XXXX points and this effect will go on for years. Punishing me for the modification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Payday loan () with BorrowersFirst, Inc. (CA).
Issue: Applied for loan/did not receive money

Complaint: I applied for the Personal Loan two times and I was denied without getting the reason from the lender. It is the " Borrowersfirst '', who asked to provide all the verifications, and signed XXXX, then never called or sent any letter or email regarding the status of the applications. 
I have a feeling that these people are getting our confidential information and not helping us, but, who knows maybe will do bad thing to our credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: As of XXXX XXXX, 2017 my consolidated student loans were transferred without any advance notice from XXXX to Nelnet. Prior to the transfer I had a income based repayment plan to which I was paying {$150.00} per month and my loan balance was at or near {$46000.00}. After I received notification from Nelnet they were the new servicer of the loan my payments subsequently went up to {$210.00} per month and my total student loan balance was over {$47000.00}. When I reached out to Nelnet via phone to get answers I was told they had limited information as XXXX had not transferred all of my history and loan information over. I have made consistent and timely payments and I had yet to reach the first 2 year period of my income based repayment plan. I feel is if I am being gauged by Nelnet and as if they had added fees and surcharges to my account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Payday loan) with Integrated Recovery Services (MN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX at Integrated services XXXX ext XXXX called my employer to verify employment and told my employer that they needed to verify my hours so they could send someone to serve me with a summons. This is after I had told them not to contact me at work and to mail me a letter stating that they can collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Delinquent account

Complaint: My account was sent to collection I settled and paid the balance on the card on XXXX/XXXX/2016 with XXXX XXXX. When I contacted this company on XXXX/XXXX/16 I was told that they would send a letter out stating that the balance was settled and satisfied however that they do not update the credit bureaus American express does this and was provided with a telephone number of XXXX. I contacted American Express to speak with a young lady named XXXX who stated to me that I paid the on the account after my statement closed. When asked when my statement closed I was told XXXX XXXX, 2016. I made the payment on XXXX/XXXX/2016. Then she goes to states that the code for the settlement was not entered into the system as of yet. We are 3 weeks into me paying this company and you mean to tell me that my account is not updated. I want this problem fixed IMMEDIATELY and removed off of my credit with all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax put my identity at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: Atten : Specialized Loan Servicing Please verify and confirm that the Note Custodian you refer to in previous communications through the CFPB as holder of Original Documents for XXXX XXXX XXXX Home equity line agreement and Disclosure statement is " RECON TRUST ''

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 04-08-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: This complain is follow up on previous complain CFPB Case # XXXX On XX/XX/XXXX I contacted Citi Bank in regards to 5 transactions on my account which I did not authorize & I don't know where my money went. Those transactions were following dates & amounts : XX/XX/XXXX {$13000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$18000.00} XX/XX/XXXX {$18000.00} Total amount I disputed was {$80000.00}, Citi Bank gave me a name where those transaction went through & I did not recognize that name. Citi Bank advise me that they will investigate it & credit my account. I even called that bank also & i was told that there was no account under my name at that bank told me in order to investigate I have to file dispute with Citi Bank. I was told that I need to open a new account and close old one. 
I opened new account with Citi Bank at XXXX branch, after few days they closed my account also & nobody knew any answer & was told that I would get a check in the mail. 
on XX/XX/XXXX I received a check in the amount of {$83000.00} which i deposit in my capital one account which was later returned as stop payment. Since than I am getting run around from Citi Bank. 
I just need my money back & Citi Bank is claiming that those ach transactions I did it, than I need proof if I did it, what kind of investigation Citi Bank did it & which account money went to because that bank did not have any record for that. 
In my opinion Citi Bank took my money or they lost it somewhere. 
I am trying to sort out with Consumer Financial & Citi Bank otherwise I am going to take legal action against Citi Bank.

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 03/29/2017 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Closing/Cancelling account

Complaint: I have Chase Freedom credit card account for over a year set up for AutoPay. A month ago they sent me a letter stating that they were gon na close my account for not receiving minimum payments. I received that letter too late because it was misbelieved to my neighbor 's mailbox, however I called to Chase and questioned why they do n't deduct my minimum payment from my linked checking account as they used to do the entire year. The Chase customer service representative advised that it was a system error and I should of disregarded that letter. And a week ago, on XX/XX/2017 Chase sent me another letter stating that my account was closed. When I called to Chase again they started lying to me that I never questioned them regarding that misdelivered letter which they sent on XX/XX/2017, however another Chase customer service representative was able to locate my call on XX/XX/2017. Now Chase representatives keep exercising their prejudice, misconduct and dishonesty blaming me for not figuring out how to make minimum payment by mailing it even thought they would not receive it anyway on time because I got their letter too late because it was misdelivered to my neighbor 's mailbox. Chase website also did not accept my minimum payment because it was set up for AutoPay for over a year, and my minimum payment was always timely automatically deducted from my linked checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with Sortis Financial, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting your organization to inform you of the outrageous and blatantly illegal loan servicing practices of ClearSpring Loan Services. They have illegally foreclosed on my home without following proper foreclosure protocol and notification as required by Michigan law. They then sent out a letter two months AFTER the sale acknowledging that my loan was delinquent ( state law requires this letter to be sent out prior to the sale ) and that they wanted to work with me towards a modification -- -even though the house was sold at auction on XX/XX/XXXX. So I know that something is up. 

Clearspring lied to me, misled me and made misrepresentations to me. My first piece of evidence is the recorded phone call from XX/XX/2016 when their representative XXXX was asked the question, " is there a sale date on this property? '' approximately 3:20 into the call. She said she would look and then responded at approximately the 4 minute mark of the phone call that there was not a sale date at the time. ( sound file of call attached ) However, the property was sold at foreclosure auction on XX/XX/XXXX. Not only did Clearspring fail to notify me, they also failed to publish the notice of sale in the newspaper as required by law for the requisite 4 weeks. Then to further illustrate the amount of fraud being perpetrated by ClearSpring a letter was received on XX/XX/XXXX ( attached ) from ClearSpring, informing me that my mortgage payment is now more than 30 days past due and offering to try and work the situation out. 

Under Michigan law this letter was supposed to be sent PRIOR to the sale. This is a futile attempt by ClearSpring to cover their tracks. Even more unbelievable is that XXXX sent a package to complete so that I can be reviewed for loan modification, even though they told me that my house was already sold and that I am only still there because of the redemption period and that I am still in the house because there is a redemption period in Michigan. This company is being sued in Michigan as part of a class action suit for violations of the FDCPA ( Fair Debt and Collection Practices Act ) because they have engaged in this same type of behavior in the past. They have XXXX agents, XXXX and XXXX who have repeatedly given us the runaround and failed to explain what is going on. They have attempted to state that the home was auctioned off because the bankruptcy was no longer active, yet for some reason ClearSpring did not follow the notification laws as required in the state of Michigan. 

I make enough money to afford a reasonable payment and was engaged with ClearSpring in the modification process when I was blindsided with the news that the property had been sold. This is obviously a mistake, or they are purposely misrepresenting the status of homes to the owners in order to conduct an illegal foreclosure. Either way, it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection from this agency and another on my credit report, The agency i would be addressing today is AMSHER Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. 2 Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is 1 of the 2 agencies holding me back due to a debt that is in fact not mine ( XXXX XXXX ). I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX years old ), to even sign a contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (MO).
Issue: Managing the loan or lease

Complaint: I have always made my loan payments on time, even recently sending a {$1000.00} dollar principal payment. Today my husband and I have attempted to obtain the interest portion paid from XXXX for tax purposes, however no one with the bank seems to be able to identify that dollar amount, and after requesting a payment history be mailed to us we were hung up on. We request the CFPB investigate whether this bank is appropriately applying payments according to the terms of contracts or simply making up their own rules as a financial institution.

Company response to consumer: Closed with explanation