milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Trouble during payment process

Complaint: I had a mortgage that was being paid by myself and Spouse. He XXXX in XX/XX/XXXX. I continuing to pay mortgage and after refinancing loan ( XX/XX/XXXX ) to fix immediate problems, it increased my loan by XXXX a month. In XX/XX/XXXX, I lost full time job. I went back to bank to return monies and wanted to do a loan modification, they would not! I predicted then, my credit would be ruined and I could lose my house ... In XX/XX/XXXX, I begged them for another loan modification and did not qualify, despite my XXXX? I had told them that from the beginning and ended up losing a total of three full time jobs because employers would illegally found out about my open Workers Comp claim. Because my injuries are considered a catastrophic condition, a Judge ruled my medicals could never be settled. I have been fighting this case since XX/XX/XXXX and continue to do so today ... In XX/XX/XXXX, I again between my mortgage, private insurance and meds WC would not pay for, my expenses exceeded XXXX a month. So in XX/XX/XXXX, I again begged for the bank to help me, after awhile they indicated the XXXX XXXX. had a HARP program and I filled out paperwork, with many problems. Some of the documents were faxed 2, 3, 4 times, that I had to start a 2nd loan modification in XX/XX/XXXX. The bank continued all along in taking my house and a Sheriff Sale was in effect for XX/XX/XXXX. The bank would not wait up for their other department to process the loan modification, I begged and pleaded. The lawyer I hired was no help, while he was on vacation, I contacted the lawyer in XXXX and took money out of my settlement/medical account. to pay mortgage and showed good will. I told attorney that I had wrote letters and had filed XXXX XXXX Complaints. The 1st complaint was filed XX/XX/XXXX and I still have not received a response from this complaint. On XX/XX/XXXX, I decided to spend extra time at my fiances house for XX/XX/XXXX. I came home XX/XX/XXXX to find my house burglarized and a note on the door that my house was " vacant '' I reported this to the XXXX XXXX # and my police. The XXXX XXXX XXXX told me that a XXXX XXXX was in my house, the police gave me another name, XXXX XXXX XXXX. A women returned my call from the XXXX XXXX XXXX and I told her about the missing items, he was all through my house, etc. When I called her again, with the police report, she never has returned my call, but forwarded it to the Chairman of the Board Office, of CITIZENS BANK, my lender! I talked to XXXX and was glad to talk to her and explained problems from the beginning of the loan, and if customer service department and foreclosure dept exchanged information, I would not be in this situation! I tried myself to negotiate what fear I had, let alone the missing, broken items in my house! They have not backed down ... There is sooo much more that has happened, can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/2011 60 days past due as of XX/XX/2011, XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI).
Issue: Trouble during payment process

Complaint: I requested on XXXX XXXX, 2017 via Rushmore Loan Managements online secure messaging system, and via a written letter sent the same day that I wanted to formally request to have my home reappraised in order to remove PMI. I am confident that if my home is reappraised the new appraised value will lower my LTV below the 80 % threshold needed to have PMI removed. I called at some time in mid XXXX to see where my request stood, and was told that it was still being processed. I have yet to receive any sort of response from Rushmore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted Synchrony Bank on multiple occasions by email and mail asking for late payments to be removed. All occasions my requests have been denied. My account is currently on time as acknowledged by XXXX XXXX office of the president on X/XX/2017. She told me she has reviewed my accounts and is unable to make an adjustment. She said it would be arbitrary reporting. However, after doing my research online Synchrony Bank has made many goodwill adjustments for customers. I experienced a hardship last year and was proactive in seeking help before it was too late. I went on a payment plan for all 3 accounts. I was under the impression this would help me avoid further negative impact on my credit report. As a result of this reporting I have incurred deposits on many new accounts. As a single mother I do not have the extra funds to cover deposits. I had a perfect payment history before enduring a XXXX XXXX XXXX that caused me to miss work more than I would like. XXXX XXXX acknowledged the fact that I have been paying on time and the account is current. At the conclusion of the call no resolution was reached. I later emailed her to point out exactly where it is against the law for them to remove late payments. If that was the case how could places like XXXX XXXX who specializes in this type of conflict exist? I am very disappointed that my loyalty means nothing to this company. I am embarrased that I referred family and friends to this company whether it be through Amazon or care credit.  I hope that they are not experiencing the same issues as I am. At this point in time I do not feel like a valued customer just an deposit in a CEO 's bank account. Synchrony bank is not taking a loss by updating my credit report. Avoid synchrony bank at all costs if you can.

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 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

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 09/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: URGENT SHERIFF SALE TOMORROWXXXX XXXX WELLS FARGO HOME MORTGAGE IS A FRAUD & gt ; HE TOLD ME LAST THURSDAY HE WAS INVESTIGATING ALL THE CFPR COMPLAINTS AND WOULD POSTPONE MY SHERIFF SALE IF HE WAS STILL INVESTIGATING. 
TODAY HE SAID HE WAS STILL INVESTIGATING AND HE DID NOT CARE ... I WAS GOING TO SHERIFF SALE. MY HOPE COUNSELOR WAS HORRIFIED AT HIS TREATMENT. 
YOU MUST INVESTIGATE THESE HORRIBLE BANK TACTICS. I AM A BANKER FOR OVER 25 YEARS AND HAVE NEVER BEEN TREATED SO BADLY BY A BANK. 
WHY ARE N'T YOU IN THERE LOOKING AT WHAT IS GOING ON?????? 
NOTHING IS WORKING, PLEASE HELP. THESE PEOPLE ARE MAKING IT SO DIFFICULT TO GET A LOAN MODIFICATION. I HAVE HAD XXXX PEOPLE HELPING ME WITH THE MORTGAGE ... THEY ARE A SCAM & lt ; FRAUD. WHY ARE YOU NOT IN THERE????????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a previous complaint on XXXX/XXXX/XXXX with the CFPB # XXXX regarding Wells Fargo Dual Tracking my loan in foreclosure. This time I have complied all of the correspondence which proves up my position. Wells Fargo initially denied my husband and I for a loan modification XXXX XXXX/XXXX/XXXX, because of our combined income of {$22000.00}. Because of the stresses in our marriage and external circumstances we separated. I applied alone and submitted my package to Wells Fargo on XXXX/XXXX/XXXX with my income being {$6900.00} per month. In a letter dated XXXX/XXXX/XXXX from Wells Fargo they stated they were unable to move forward with my request for assistance and that they were sending my loan to foreclosure without any explanation whatsoever. In a letter dated XXXX XXXX, XXXX from Operation Reach on my behalf requesting that Wells Fargo provide a acknowledgement of the package as well as providing a decision to my request for mortgage assistance. In a letter dated XXXX/XXXX/XXXX Wells fargo sent a letter responding to the third party authorization and also stated that my package had to be reviewed by a modification re-entry, the letter also stated that Wells Fargo was unsuccessful in their attempts to contact both the third party and myself, which is false on every level. On XXXX/XXXX/XXXX, a Notice Of Default was recorded on my property still no decision from Wells Fargo Bank on my application submitted on XXXX/XXXX/XXXX. There were numerous letters from Wells Fargo requesting more time and then a response dated XXXX/XXXX/XXXX ( which I just received ) The response from Wells Fargo explained that based on my modification application and income of {$6900.00} there was not a significant change from the combined income of {$22000.00} which we were previously denied for. It appears to me that math is not top on the Wells Fargo list when evaluating for a loan modification or maybe this major fact was overlooked. The letter dated XXXX/XXXX/XXXX also requested additional items in order to review my application submitted on XXXX/XXXX/XXXX, this request comes 3 months after my loan was submitted to foreclosure and XXXX month after Wells Fargo filed a Notice of Default, and now there is foreclosure sale notice for XXXX/XXXX/XXXX, this notice I believe deterred the possible buyer as it was posted while inspections were occurring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (Store credit card) with PREFERRED CREDIT INC (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called Equifax and also faxed letters with my correct address on XX/XX/2016. They continue to report incorrect address, and places of employment for me. I have never worked at the XXXX jobs listed. I was told that they corrected the information in the system, but when I pulled another credit report they are still showing incorrect information. I have sent in supporting documents by fax multiple times for verification of my name, and DL for address. These letters where typed and faxed. I received letters back stating the request is illegible. This is impossible because it was done by fax machine, and I called and spoke with XXXX representatives that assured me the matter was taken care of. But as I said I pulled my report XX/XX/2016 and they are still remaining on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ChapXXXX Bankruptcy discharged all debts. Bankruptcy was filed XX/XX/2016. Equifax refuses to change my open collections to CLOSED. I have disputed the information 4-5 times online and via fax 2 times. Equifax continues to report accts as open collections They have updated the language on the accounts to include " bankrupty- undesignated chapter '' in the remarks section and they have changed the balance to zero, However Equifax refuses to correctly report the accts as CLOSED. 
The accts ARE closed and EQUIFAX should be reported as such. Reporting it any other way is falsifying information. An open collection acct has a negative impact on my score. There are XXXX accounts that EUIFAX is reporting as open : 1 ) XXXX XXXX/ Original Creditor : XXXX XXXX XXXX XXXX 2 ) XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX./Orginal Creditor : XXXX. 
It should be noted that I am making a cross complaint against the above listed creditors as they have repeatedly reported the information incorrectly to the CRA 's they also have been asked to update and report the accts as closed. If the creditors and the credit reporting agency continue to falsely report the accounts as open, I will follow up with lawsuits. The debts were discharged in bankruptcy. The accounts are closed and should be reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with KEYCORP (MD).
Issue: Deposits and withdrawals

Complaint: On Friday ( XXXX/XXXX/16 ) I went to a Key Bank location close an account on behalf of my deceased mother. I had all the appropriate legal documents to close the account. The nice Key Bank employee informed me they could not close the account because the " system '' was down. The Key Bank employee had no idea when the system would be functional again. I called today ( XXXX/XXXX/16 ) and Key Bank 's " system '' is STILL down! So I still can close the account. The Key Bank employee I spoke to today ( XXXX/XXXX/16 ) says they STILL have NO IDEA when the system will be functional. Almost unbelievable that the system would be down this long!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On    XXXX   XXXX  , 2017   , I sent a letter to A ccount Resolution Service  to send me information on collection accounts on my credit report for {$1200.00} and {$980.00}. They are on my credit report as medical accounts. I asked ARS to get me the doctors visit registration sheet copy for those  two  accounts. When I go to a doctor, they give me a sheet to fill out in which I write all my personal information and my insurance information. I requested a copy of the those documents because this will show them that I did provide insurance, therefore those accounts should not be in collection and should not be on my credit report. In response they sent me a letter on   XXXX   XXXX  ,  2017   , stating that they confirmed there 's an outstanding balance, however they did not send me the signed documents I requested. On   XXXX   XXXX  ,  2017 , I replied to them that their response is not a verification of debt and again I requested the medical office documents. As of today   XXXX /2017   , they have not replied. The letters ARS sent me is showing the creditor name "  XXXX   XXXX   XXXX   XXXX   XXXX  '' which I do n't know who they are, the letter does not show the Doctor 's name or address, just an invoice number and a balance. How can I investigate where this debt is coming from, if they are billing me without telling me which doctor 's the invoices belong to.

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 11/16/2017 about Debt collection (Credit card debt) with The Bureaus, Inc. (IN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. 

Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXXXXXX XXXXXXXX XXXX  XXXX declined to accept my offer 2- XX/XX/XXXX, I spoke with XXXX XXXX XXXX and s/w XXXX  @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX  advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. 

I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Customer service / Customer relations

Complaint: I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that  i have disputed. please resolve this manner as soon as possible. Thank You

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 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Payday loan () with Big Picture Loans, LLC (OR).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for and got a loan for XXXX dollars. I was going to pay off the balance with my next social security check as they said I could pay off the loan early. When they finally posted the loan on their website and the early payoff amount, I discovered that to pay off the loan after 30 days I would owe XXXX. I 'm XXXX and XXXX is my only income. I ca n't afford XXXX dollar payments for the next 6 months. I expected to pay a reasonable amount of interest after 30 days, not almost XXXX dollars! What can I do? My first payment is due XX/XX/XXXX.

Company response to consumer: Closed with explanation