milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My property has been in foreclosure for XXXX years now. My property was vacated in XXXX of XXXX due to a safety issue XXXX. I took immediate action to relocate her to safety, XXXX and vacated my property that I have owned since XXXX. I am currently renting a property in XXXX, NY. Over that time period I have submitted multiple packets requesting a short sale and several loan modifications to GMAC Mortgage and now Ocwen Loan Servicing LLC which are the mortgage holders. All of my requests have been denied. XXXX Supporting documentation is available to substantiate this ) Over the past XXXX years, I have had my home on the housing market XXXX, have attempted to rent the property, applied for several loan modifications, even moving back into my home for a period of time as I was initially denied a modification due to non-owner occupancy. Subsequent to that denial, I submitted another modification request and was once again denied. On XXXX XXXX, XXXX, I attended a court appearance regarding the foreclosure and at that time requested to pursue a Deed-in-lieu option as all other options have been exhausted. I was granted permission to pursue the Deed in Lieu in XXXX XXXX Supreme Court. I submitted the Deed in Lieu request in XXXX XXXX. Ocwen Loan Servicing LLC did not communicate with me during that time to inform me that the process could not be completed due to a lien on my property. Due to this, the Deed in Lieu process expired. I satisfied the lien on the property and then re-applied for the Deed In Lieu in XXXX XXXX. Since that time I have maintained regular contact with my relationship manager, XXXX XXXX at Ocwen XXXX XXXX XXXX. I continue to receive letters from Ocwen Loan Servicing LLC stating that the process has been delayed with no specification as to why. I am being told by the relationship manager department that " The borrower has signed off on the Deed In Lieu and that they are awaiting on the attorney for further action. '' This has been the status for almost XXXX months now. As a homeowner of this property since XXXX, I feel that I have made due diligence to exhaust all possible options to salvage the situation. I have not received timely responses from this mortgage company throughout the process and do not receive returned phone calls from the attorney or negotiators assigned to this case when I attempt to get clarification as to what is happening. Please help me to resolve this situation as I can not attempt to rebuild my credit without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a company by the name of XXXX which is a fraudulent account. This account does not belong to me and they have this same XXXX account listed on my Equifax credit report XXXX times which that is against FCRA. I am asking for it to be removed. I asked for it to be removed and Equifax did not saying it belong to me. It does not and if they would have viewed again, XXXX are duplicate accounts on my report. When viewing my Equifax credit report, this account has been listed since on my credit report since XXXX. I have never made any payment on this fraudulent account. Therefore this account has been on my report almost 9 years without payment. I am asking for Equifax to remove these accounts immediately. Again they are listing the same fraudulent account XXXX times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Payday loan) with Premier Recovery Group (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A message was left on my voicemail stating that The message was intended for XXXX XXXX and was from XXXX and that I needed a statement either from me or an attorney returned to them. They left a Telephone number XXXX XXXX File # XXXX. I returned the call to find out what was this in reference to and XXXX XXXX, XXXX advisor stated that he represent the fraud dept. and that supposedly I took out a cash advance XXXX years ago in XXXX XXXX Fl. and the bank was closed or frozen and that now they are trying to collect. The amount due was {$410.00} but it has accrued penalty and interest and now the amt. is {$1800.00}. But if I provide a credit card today for the amt. for the {$410.00} that it would stop them from going to court and would go for the {$1800.00}. They also stated that I had used my brother, XXXX XXXX and XXXX XXXX as references. I know for a fact that it is a tactic and wrong. They expect for me to call tomorrow and provide them with a XXXX credit card. His direct # is XXXX XXXX ext. XXXX. File XXXX.

Company response to consumer: Closed
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Struggling to pay mortgage

Complaint: I have repeatedly asked Citizen 's Bank to send me a mitigation loss application so I can apply for loan modification ; they keep saying they are going to send it, but never do. It has been more than a month now since my initial request they mail me an application.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with CAC Financial Corp (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: received a notification from all XXXX credit agencies that this entry was made to my credit history. have contacted the collection agency in question 4 times to try to verify the debt and get more information. To date ( 4 months later ) I have not yet received a reply. Have tried calling them 3 times only to hear that the manager will call me back. No-one has called me back

Company response to consumer: Closed
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 been fighting with the Equifax,   XXXX   and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of the ledger where it shows we had a huge credit balance.     No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is a complaint that was never resolved by CFPB. The complaint number was # XXXX. Although HSBC\HFC deemed my account eligible for the XXXX pay, and reduced my monthly payment to {$890.00}, but by the same token, has changed the condition and agreement of the deed\mortgage. They have single handedly attached the property tax to be included with the mortgage monthly payments without a closing, or agreement or consent by me. How is that possible? I do n't see how this mortgage company was reprimanded or lawfully dealt with! They are in error, ON SO MANY levels. My tax payments did not need to be paid by any XXXX, as there were no lien on the property for arrear payments. Not then or now! Each year during my chapter, I may have been short, but not enough to place a lien. This was confirmed by the XXXX Department. I would appreciate your taking another look into this matter as WRONG doing is definitely apparent throughout this whole ordeal. my constitutional rights are being violated, while this body " CFPB '' does nothing. How is that? 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: I attempted to purchase gas on Wed XXXX XXXX in the evening in a gas station where I always purchase gas. It 's a XXXX gas station ( Route XXXX, XXXX XXXX. NY ) and I use a 'speedpass ' which is linked to my debit card with a Citibank checking account. I have done this for many many years. The purchase was declined several times. 
I knew Citibank sent me a new debit card, so I went home, activated the new credit card, and attempted to purchase gas again on Thurs XXXX XXXX morning. I twice tried the speedpass and it was declined. I tried my debit card at the pump and it was declined. I went into the store and swiped the debit card and it was declined. I had borrowed cash and was able to put enough gas in my car in order to go to work on Thursday. 
Friday morning XXXX XXXX, I went on my Citibank online account. I was able to get online and some of my accounts showed ( a credit card and CD ), but my checking account and savings account did not display. I tried again a few hours later and the same thing. 
I called customer service and was not satisfied and requested to speak with a supervisor. Another person, XXXX, came on the line. She stated that nothing was showing that there was a problem with my Citicard. She told me that emails were sent to all customers that there old debit cards would no longer work if they did not activate the new cards. She told me I should go on the gas station website to see if they were having a problem. I was not satisfied and asked to speak to someone else. She told me she put in a request and I would hear in 2 business days. ( I assume that means next week. ) My complaints against Citibank : 1. They are holding my money hostage. 
2. I activated my new Citicard and it still did not work. 
3. I was stranded and unable to put gas in my car and had to borrow money in order to put gas in my car and go to work. 
5. They cut off access to my bank information online. 
4. They are going to make me wait for days until an advocate calls me and addresses my concerns. 
5. How can they refuse people access to their money because they decided to issue a new debit card???? 
I have been a customer with Citibank since 1969 ( when they were called XXXX XXXX XXXX ), and I am outraged with their bullying techniques in handling customers and their poor customer support when needed.

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 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted evidence/proof that my account from XXXX was never paid late., and that It was an error on the creditors part. My Bill was paid ON TIME, never late. The creditor failed to apply my funds in the way directed. All parties are aware of this fact. The credit bureau failed to do a proper investigation and refused to remove the incorrect information from my credit profile which has caused personal hardships.

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 02-12-2016 about Credit reporting () with FACTUAL DATA CORP. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy statement on my account. I have never filed for chapter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim an identity theft. I have my car loans, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX card, XXXX bank card, XXXX XXXX, XXXX card, XXXX card, XXXX student loans and I have any knowledge of anything else that is showing in my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. XXXX XXXX is also reporting the account. 

That means there are XXXX violations due to a single trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until XXXX just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and XXXX XXXX never notified me prior to the " charge-off ''. I noticed the problem on the Experian website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with XXXX XXXX but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The XXXX representatives forwarded me to their XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.

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 01-05-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I received a letter via mail postal service from Citi Bank. The letter stated " Please be advised that your card was closed on XXXX/XXXX/XXXX as your account may have failed reissue due to late payments, going over accounts which are not in compliance with terms of the Citibank Card Agreement ''. I called customer service XXXX on XXXX/XXXX/XXXX. I spoke with a representative as to why my card was closed and why they are not reissuing a new card. Only thing that they could tell me is because of my activity and that 's it. That 's not a legal reason to close my account. This is unfair and is an act of bullying.

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 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my hazard insurance policy ( Policy No : XXXX ) with XXXX on XX/XX/2016 because I found a better policy. The policy was active from XX/XX/2016 XX/XX/2016. The balance for this month was {$92.00}, which I paid on XX/XX/2016 ( confirmation no : XXXX ). XXXX took the money out of my XXXX account on XX/XX/2016. They then sent me another bill on XX/XX/2016 for the {$92.00} that I had already paid. I spoke with XXXX @ XXXX and faxed to her a copy of the confirmation receipt that XXXX emailed to me ( fax no : XXXX ). I thought everything was taken care of but on XX/XX/2016, I received a letter from Receivable Management Services ( RMS, a collections agency ) stating that I owe {$92.00}. I called XXXX and spoke with XXXX. I then called RMS and spoke with XXXX and emailed her a copy of the same receipt I sent to XXXX + copy of my XXXX statement showing the payment. I called XXXX and demanded to speak to their XXXX, XXXX. I left him a voicemail but he did not call me back. I followed up with XXXX on XX/XX/2016 and spoke with XXXX She stated that my account was " closed as of XX/XX/2016 '' and that no balance was on the account. The date did not make sense but I was satisfied hearing that my account was closed. BUT on XXXX, I received a call from RMS Collections, this time from XXXX, stating that my account was not closed and that I still owe {$92.00}!!!! This company is harassing me for a balance that was PAID IN FULL. RMS Collections has the ability to report this bogus claim to the credit bureaus and I have plans on refinancing my home in a few m months. I have attempted numerous times to speak with the manager at XXXX but nobody is calling me back.

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 08/19/2015 about Debt collection (I do not know) with Van Ru Credit Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I represent a client and am doing work for her on her finances, credit, and debts. 
I received a call from someone saying that he was a friend of my client and wanted to know what services I provide. He mentioned my clients name and asked if I knew her. I confirmed I did. I explained what services I provide. He then said he was unsure if he could work with me. I asked who he was and he did say he was with Van Ru Credit Corp. but would tell me no more. I asked " are you debt collector '', he said " he could not answer that ''. I asked " are you attempting to collect a debt '', he replied " he could not say ''. The call was then terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX I ordered a credit report from XXXX XXXX for my review and to improve my score. 

XXXX Customer service representative from XXXX stated I need to call XXXX ( Experian ). They could not process my order because of a discrepancy only Experian could tell me. Basically I could not retrieve my credit report, and the pending fund withdrawal would not be token from my account. 

After calling Experian several times trying to resolve this issue I was only prompted to either purchase a report by credit card or check. They did not give me an option by phone or web to talk or chat with any regarding the retrieval of my credit report. 

I would like to resolve this issue, it is very important to me and anyone else who is going through this. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : XXXX : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I ran my credit report with Experian today- XX/XX/2017 and noticed incorrect name spelling and address spelling in my file. Specifically : XXXX is an incorrect spelling of my name, which should be : XXXX. Similarly the incorrect address is listed as : XXXX, IL. XXXX. In reality there is no unit number and the correct address should be : XXXX, IL 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 non-monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: I opened a XXXX account on XXXX/XXXX/XXXX to buy and sell cryptocurrencies. I deposited {$3000.00} on XXXX/XXXX/XXXX, {$10000.00} on XXXX/XXXX/XXXX, and {$10000.00} on XXXX/XXXX/XXXX from my checking account to XXXX. 

I noticed a large, unrecognized chage to my credit card linked to Coinbase. The amount was for XXXX and was on XXXX/XXXX/XXXX with a merchant the merchant info COINBASE, XXXX. Since I did not recognize the charge and did not see it in my transaction histories with Coinbase, I contacted Coinbase support. for further explanation on XXXX/XXXX/XXXX. 

Finally on XXXX/XXXX/XXXX, I received a response from Coinbase support. They confirmed they did not see the charges mentioned above on their side and I should contact my bank to investigate. On the same day, I let my bank know that this was not a recognized charge and should be investigated. The amount charged to my credit card was reversed eventually. 

Once the charges were reversed, however, my XXXX account was disabled. I contacted support on XXXX/XXXX/XXXX and only received automated replies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

I then called XXXX support on XXXX/XXXX/XXXX and after nearly 1 hour of waiting was able to speak with a representative. The representative said the restriction may have been applied in error but needed to escalate the case to subject experts who would review the case. But I have not heard from a subject expert since then. 

I 've been patiently waiting for this issue to be resolved, but after months of waiting it seems the only option is to escalate. It seems like my money is stuck now due to an error on Coinbase/XXXX and they are not willing to work with me to come up with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Auto) with KelKris Associates Inc (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation