milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I am an XXXX year old XXXX woman and in XXXX I began getting letters from Financial Freedom threatening me with foreclosure. These letters said I owed Financial Freedom {$3300.00} for advances they paid out on my reverse mortgage. However, when I called Financial Freedom on numerous occasions no one could explain to me what these were for. Finally, my son ordered an account history and after reviewing the history we determined that Financial Freedom was billing me for taxes that had already been paid or for taxes they claim they paid 8-10 years ago. When I asked them to provide proof they actually paid the taxes, they keep me on the phone for nearly 2 hours and made speak to 8 different people who kept telling me. " That 's not my department. '' an then tell me I 'm the one who has to prove it. 

My son and I went through the payment history realized that even if Financial Freedom is correct and they paid the taxes when they claim they did, I would not {$3300.00}. 

Please help I want to keep my home. I have nowhere else to go. I do n't want to be kicked to the street like the that XXXX woman who had Reverse Mortgage a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, XXXX, and Experian are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/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 02/25/2017 about Debt collection (Auto) with Dynamic Recovery Solutions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : Dynamic recovery solutions original creditor : XXXX original account number XXXX current Creditor : XXXX DRS Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a new home from XXXX XXXX in XXXX of 2013. They have their own lender and we used XXXX XXXX Mortgage. They sold our loan to Nationstar Mortgage about 5 months later. Our closing documents show that a portion of our payment into escrow would go towards paying property taxes. 
We are currently trying to refinance our mortgage and we are unable to because we have been told that Nationstar has not been paying our property taxes to XXXX county. I have tried to find out what has been going on with Nationstar and I 'm getting the run around, being told that we are tax " exempt '' I have no idea where they could have gotten that information. Our original loan was sold and I feel there is a violation of RESPA within that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have called these ppl on several occasions, to access my own account, with no results. I owed XXXX, 5 years ago, trying to gain access to see if I 'm eligible for help, for a forgiveness. I get yelled at and told, very harshly, IF YOU DO N'T WORK FOR A NON PROFIT, FEDERAL, OR IS COMPLETELY XXXX, THEIRS NOTHING OUT THEIR YOU 'LL HAVE TO PAY! Well now it 's over XXXX from deferment, e t c. When i call these ppl needing help, they just put me on deferment, like that 's the only choice. I make under the poverty line in income. I will never be able to pay this back. It put my credit in the trash, for the rest of my life. I 'm XXXX yrs old, no life insurance, or anything to fall back on if i chose to retire. This company is a blood sucking vortex. If i ca n't access my own account, which i have n't been able to for 5 years, how do they expect any money to be paid. I no theirs a forgiveness plan out their for me, but they do n't want me to gain forgiveness, i feel they do n't care, ppl are really going under, owing student loans, and they take advantage of it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My account information is showing incorrect to the credit reporting agencies, it shows a duplicate past due payment that was already listed in XXXX for 30days past due for a XXXX payment. XXXX 30 day was listed on all 3 credit bureaus XXXX, XXXX, XXXX. since then it has showed back on my report like a recent 30 day past due and this is incorrect as i have made a payment in XXXX and now in XXXX, this has already reported and should be showing as currently behind and is not. I am very upset about this matter as is causing issues now to my credit and have also lossed additional points to my credit that since XX/XX/XXXX with the one 30day past payment i got back. Why am i getting hit again? This account was also closed by the grantors request and i am actively making payments to finish this account off in final.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Rewards

Complaint: I applied for a Chase Freedom Unlimited Credit Card in XXXX Online, I received and offer in my email stating that I would receive {$150.00} in bonus points once I had spent {$500.00} in my first 90 days and When I add a Authorized user and They use the card I would also receive {$25.00} in bonus reward points. I have been checking my account and waiting for these to be added, I looked at there fine print to see how long this takes and It said 6 -8 weeks after your first 90 days it would be added. Well I called Chase on XXXX 2016 I spoke to two different people XXXX and XXXX XXXX supervisors They told me I did not Qualify for the Bonus that their is no offer code! I proceeded to tell them that this is the Bonus offer I received in my email and this is the offer I am expecting to receive. I was then told had I called right at 90 days or with in the 90 day period they could add it and adjust it ... They also told me because I went to there website and applied I do not qualify It states the same offer on their website and this is the offer they made. Their offer in my email did not state i need to apply through the link only this is absurd the offer is all over the internet for the card I have and the card I applied for the The Chase Freedom Unlimited Card. I was told I applied for a different card not true its the same card they made the offer to me on and its the same card they offer the bonus rewards points on all over the internet this is highly fraudulent false advertising. I apply did everything this i was suppose to do I added the authorized user right away to get the bonus points. I had my husband use his card so i could earn the bonus points. Now they are refusing to reward me the {$150.00} in points and the {$25.00} in points. I want what I was offered when signed up for the card this is not right!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (FL).
Issue: Managing the loan or lease

Complaint: I received a " notice of default right to cure '' letter on XX/XX/2016 threatening me and demanding payment by the XXXX or further action may take place. The funny thing about this letter is that it 's dated on XX/XX/2016 but it says that I 'm past due on my XX/XX/2016 payment. I 'm not a lawyer but I 'm sure that you 're not supposed to send a notice of default if a person is not in default right? Another funny thing about this letter is that it showed up 3 days after I filed my other complaint against this company on XX/XX/2016. It 's strange how this threatening letter just popped up. I really regret that I ever did business with this company and took out an auto loan. It has really turned out to be a decision I deeply regret. I really want this contract cancelled and I want to be done with them.

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 01/19/2018 about Debt collection (Credit card debt) with Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Prior to my first complaint about Stewart, Zlimen & Jungers I had received what they had portrayed as XXXX County Court documents stating I HAD and was COMPELLED to pay a debt to them I had no knowledge of.  I reported them to the cfpb for that and wrote them notice to cease and desist all contact. They responded with the one response they a are allowed with the Fair Debt Collection act to inform me will being legal action against me. Having had the hearing noticed sent to an address I no longer resided at they received a default judgment with out my knowledge.  They then began to attempt to garnish my XXXX income and sent me a letter and had the court order I verify my income.  After a second collection letter for payment from my XXXX, being exempt income, I informed them once again to cease and desist a second time.  I received a letter this week demanding payment from a tax returns and offering a pay off plan that exceeds the amount awarded by the court despite my two prior cease and desist letters and that XXXX is exempt income. I am now issuing a third cease and desist even though they refused to comply with the prior two and continued to and threatened to collect on XXXX income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with Atlanticus Services Corporation (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not.

Company response to consumer: Closed
Consumer complaint received 02-09-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OR).
Issue: Managing the loan or lease

Complaint: I took out an installment loan XX/XX/XXXX. I had my first job out of college and had no credit history. OneMain financial took advantage of me, as I was not clear about the loan terms and what I was getting myself into. When I asked for explanations on my payments, I was treated in a very disrespectful manner. 
Fast forward ten years to XX/XX/XXXX. I fiscally and credit educated, and in the process of checking my credit reports for misinformation. It was at this time, I noticed the error on all XXXX reports from XXXX, XXXX, and XXXX. 
This loan first went delinquent XX/XX/XXXX, which meant this should have been removed from my credit history. I immediately reached out to OneMain, who stated they had nbo record of my debt, and it was most likely sold to a third party collection agency, such as XXXX XXXX ( which was removed at the appropriate time ). They were unable to validate my debt, but they reported the charge off delinquency in XX/XX/XXXX. I brought this to their attention, and they stated there was nothing they could do. 
I contacted all XXXX major credit bureau 's immediately and filed official disputes, requesting removal due to : -Reporting of misinformation -Unable to validate debt I also sent OneMain a certified letter via USPS, with the same request. I included copies of my credit report, which ( OneMain is reporting ) shows the bad information. The dates they report, along with the amounts not only are incorrect, but do not come remotely close mathematically, which proves the errors. 

In goodwill, I have requested validation, and removal on multiple occasions, via Fax, email, certified mail, in-person, as well as phone. I was recently contacted by the executive office in regards to the complaint I filed with the Better Business Bureau, but have yet to receive any response to my requests. 

I am now filing a formal complaint with the CFPB, because it is clear that OneMain is actually aging my account in order to prolong reporting to the credit agencies. I did advise them that I am a resident of Oregon, and the statue of limitations on debt is six years, as well as the requirement to report correct information, validate debt when asked, comply with regulated debt collection practices, and remove all negative information after seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX Citi ThankYou Points upon completion of at least one qualifying bill payment to the new checking account each month for two consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements, I messaged Citibank on XXXX XXXX, 2016 via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive XXXX ThankYou Points by XX/XX/2016. A copy of this communication from Citibank ( reference XXXX XXXX confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, the ThankYou Points have still not been deposited to my account, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which Citi confirmed the requirements were completed ( XXXX XXXX, 2016 ).

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 03/22/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (NM).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX XXXX XXXX, North Dakota and Washington Federal ( Share ) A Secured Credit Credit Card with US Bank. XX/XX/XXXX ( Online ) I ' Applied for a Secured Visa for a College Apartment. The Website did not. record the Monthly Income Amount of Social Security XXXX Income, Public Assistance and Personal Income with Washington Federal. XX/XX/XXXXBy, Letter I Received Notice that, I was unable to be. Approved. XXXX XXXX, 2017 By, Phone ) I Updated my Information with XXXX XXXX of the Correct Income that should have been. or should be. recorded in Application for the Secured Credit Card. By,Phone ) I was told that, my my Information was Now Updated and Processing would take ( 2-3 ) Weeks. XX/XX/XXXXBy, ( Phone ) I was told that, the Processing was not. Submitted and a 'New ' Application Transfer must take place in a Reprocessing of Application for a Secured Credit Card.

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 03/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: JP Morgan Chase Bank sent us a letter stating they had refused us small loan ( {$20000.00} ) with high interests requesting a collateral on my residence valued at {$750000.00} instead of an investment property worth {$500000.00} located also in California, instead of issuing the letter of withdrawal we requested as we ( not Chase ) chose not to proceed with their offer. 
By doing so, they attempted to damage my credit score of XXXX in retaliation for refusing their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Settlement process and costs

Complaint: after being preapproved by wells fargo for a home mortgage i was told all of my costs would be near {$6.00} to {$8.00} XXXX dollars and explained that i would not be able to do much more than that.after a couple weeks into the loan process i was informed that my out of pocket expenses could go as high as {$16.00} XXXX.the loan officer neglected to tell me of a surprise rule that would require a larger deposit from me after i had paid for an appraisal and inspection .the seller backed out after wells fargo taking too long to process my loan and i am out over {$800.00} dollars.i believe the inexperience of the loan officer caused this loss and would like to be reimbursed from wells fargo.

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 05-10-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Convergent Outsourcing wants me to call a phone number about a debt. I have no debts. That company 's phone number in the message was  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 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation