milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MT).
Issue: Trouble during payment process

Complaint: I received a loan modification offer unsolicited from Seterus. I spoke with a representative on XX/XX/XXXX about the terms of any modification, and she offered no information whatsoever on the terms only that the payment would be XXXX/mo lower, and simply offered a wait and see attitude. This wasnt a mistake that the terms were not revealed until mid-XX/XX/XXXX ( to add 40 years to the balance of the loan ). I also never asked to be in the program in the first place, I simply logged in one day to discover I was in the program, without notice. Most importantly, the program/staff fail to mention that if the offer isnt accepted the reduced monthly payments that were being accepted and also reported as current on their site would then, and without notice, retroactively NOT be accepted or applied as monthly payments and used instead to manufacture a default, thereby fraudulently generating thousands of dollars in fees and missed monthly payments that must be paid as a lump sum reinstatement under the threat of foreclosure with the ultimate aim to capture my equity in the property. Seterus then stated I was in foreclosure and demanded on XX/XX/XXXX {$5800.00} to bring the loan current through XX/XX/XXXX with no mention/accounting of what  happened to my reduced loan payments made during the trial period. I paid the money but the reinstatement amount and the tactics used to arrive at this figure were unfair, deceptive, fraudulent and a clear example of predatory mortgage servicing.

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 04/28/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Taking out the loan or lease

Complaint: I went onto Springleaf 's website to see if I prequalified, and it states " I understand that checking to see if a prequalified offer is available for me will not affect my credit score and that this is not a loan application. If an offer is available for me, I will still need to apply. '' So I have never been told that I need to apply, I was asked more information. This morning I had a hard inquiry but I never signed anything or was told that they will be doing a hard pull on my credit report or I would have not gone through with giving anymore information. I called and the lady said that ALL financial companies do a hard pull. So I feel like they trick the customer by showing this will no affect your credit score. They should have told me that up front but they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Have been attempting to conduct a Short Sale with Citi Mortgage - unsuccessfully. Citi has been unresponsive, has not returned calls or emails and fails to fulfill what they indicate they will do. Here is a quick timeline summary. 
XXXX - Submitted a FULL & COMPLETE Short Sale Package to Citi XXXX - Called Citi and confirmed receipt of the package XXXX - Conducted a successful phone interview for short sale pre-qualification, then scheduled a callback for XXXX. 
XXXX - Received the scheduled call back from XXXX XXXX XXXX. He reviewed all documents with me on the phone and said the package was complete and also that the previously completed BPO ( valuation ) was still current. He indicated the file would be forwarded to a negotiator that same day and that XXXX would call me the following week with an update. 
XXXX thru XXXX - During this time I tried to call 6 times, spoke to 2 different Managers, emailed XXXX 2 times and scheduled 2 additional callbacks -- all communication attempts were unsuccessful. I was however able to determine that the file WAS NOT sent to a negotiator. Also no one else could discuss the file and XXXX was never available and Citi 's phone system does not allow an outside caller to reach a specific extension or person. 
XXXX - Finally reached XXXX XXXX who indicated ( again ) that the file was complete and he would rush the file to underwriting, as a precursor to going to a negotiator. I scheduled a callback for XXXX. 
XXXX - Spoke to XXXX XXXX who indicated the underwriter did approve the relocation assistance for the seller and that the file was being assigned to a negotiator ( as we spoke ). He indicated he would get the negotiators contact information and call me right back. 
XXXX - Still no call back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Managing, opening, or closing account

Complaint: I put money on RushCard, my entire paycheck, and a few days later my card was declined at the store. I knew I had the funds so I called them to find out what the issue was. The money was there but without my permission or knowledge, RushCard blocked my card. This is something they claim ca n't be undone. I had to wait to be sent a new card and in the meantime, no money. Nothing. I get XXXX cards delivered and they ca n't activate either after being assured by a supervisor that activation would n't be an issue. Time it takes to notify corporate to manually activate a card? A few BUSINESS days ( the exact number dends on whow i talk to ). While I wait, my card remains blocked. While they try to figure out THEIR issue, they still refuse to unblock my card. They have the most non-caring, ignorant cust srv reps that I have ever encountered in my life who ca n't half speak or understand XXXX. They apologize, that 's it. That. Is. It. Escalated issues are not handled there but at corporate office and you ca n't find a phone number or address or get it from the cust srv. They give you an email address, not to corporate, it goes back to them. It is scary that people that essentially steal money are allowed to do business in this country. As of today, I still do not have access to my own money. When I call, I continue to get the run around and the number of different updates I 'm given on my account depends on the number of representatives I talk to. I need my money for groceries, bills, gas and no one should have the right to put me in a position where I ca n't pay my bills and access the money I worked for. RushCard caused this situation, as well as others and as usual they are n't doing a thing to rectify it and THOUSANDS of others will and have experienced thsee same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went to XXXX to get my Equifax annual credit report. I request my Equifax report at this time each year ( and do the other ones in XX/XX/XXXX and XX/XX/XXXX ). The same thing happened this year as in XX/XX/XXXX : I answered the verification questions to the best of my ability, but was denied access to my Equifax credit report. InXX/XX/XXXX, I was successful in getting my XXXX and XXXX reports but not my Equifax report. This year, I successfully got my XXXX  report, but AGAIN failed to get my Equifax report ( I wo n't try for my XXXX report until XXXX ). My complaint is that the questions are too vague and deliberately tricky. They expect you to remember the month and year that you opened credit accounts! That is not reasonable. When I do n't have an account with any of the four companies shown in the responses, it is easy to answer " None of the above. '' But I do have a mortgage with one of the companies they listed, so I checked it off, even though I could n't remember if " opened around XX/XX/XXXX '' was the right date for that particular credit union 's HELOC that I have. Then the fourth question was what is my scheduled payment on that mortgage. Since it is {$50.00}, I answered the $ 0- {$190.00} response. Then I submitted my answers and it failed me. This is so frustrating! Now I have dug out my HELOC statements, and the account was opened in XX/XX/XXXX. There 's just no leeway. Apparently I should have answered " None of the above '' for that question as well. I understand the questions need to be specific enough to zero in on me. But I 've given my DOB, SSN, and address already, so I think the questions should be less tricky to get right. Now I again have to mail away the paper form and proof of who I am to get my Equifax report for XX/XX/XXXX instead of being able to use the online method. And when the very hefty paper report comes, I have to sit here and scan it all in so that it is saved with the other credit reports I 've gotten online. I am trying to do the right thing and examine all of my credit reports once every year, but the system is stacked against me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: stellar recovery inc put the same collection, but a different account number, back on my report that was deleted on XXXX/XXXX/2016 from all XXXX bureau and that account number was XXXX on XXXX XXXX they added the same debt again but a different account number, which is XXXX I was not notified by the bureau that the same agency reporting the same account that was not mine has been re-added but with a different account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Medical) with Financial Business and Consumer Solutions. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX/XXXX/XXXX, I have open a new checking account and deposit {$15000.00} with city bank. I can get {$400.00} Cash bonus if I keep the minimum balance of {$15000.00} for the next 30 days that city bank said. But after 30 days they have't gave me the bonus. I went to city bank 3 times to ask my bonus back but they said that I have to wait the city bank main office send the bonus to my account. Today is XXXX/XXXX/XXXX, I am still waiting ...

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 03-07-2017 about Mortgage (FHA mortgage) with Statebridge Company (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Statebridge Company handle my loan for over 2 years since XXXX during that time we were in chapter XXXX. A loan modified was establised to pay any arrears through the court. The courts paid over XXXX, we also made our regular payments {$1400.00} I requested statements from statebridge on several occasion. I was told they could not speak to me due to being in chapter XXXX. My loans was sold on XX/XX/XXXX to XXXX. I ask my attorney to sent documentation giving them permission to speak with me. they advised me because their attorney was handling the chapter XXXX they could not discuss payments or anything else. I ask over several difference incident to provide me a statement of payments and how our payments were applied to our escow, they said again they could not discuss the account .I believe they are deceitful to their consumers because they are a debt collection agency for your lender. This is a way for the lender and debt collection agency to take advantage of consumer because we are not fimiliar with mortgage laws.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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: XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I worked at Macys I received a pre-pay account where I would load money onto the card before making a purchase now I do not work at Macy 's and I 'm getting billed for the remaining of the balance on the card that I never paid off. it 's a balance less than {$100.00} and I 've been paying $ 10- {$20.00} a month to get it paid off for the last three months now I get about 10 phone calls a day after I already spoke with the supervisor and told her to stop calling me they call me numerous amount of times at work and they call me as early as XXXX XXXX in the morning. Not to forget as I mentioned above I have been paying some money per month. It 's getting ridiculous at this point

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 07-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with DISCOVER BANK (AL).
Issue: Unexpected or other fees

Complaint: My husband and I are in the process of doing a refinance on our home and have been placed on hold because they found an account that should not have been on our credit report from Discover Card we have not had a Discover card in almost 10 yrs and we were unaware of any problems until now we never received any billing statements I also have been keeping track of our credit report for several years and discover card was never on there until now and we did a refinance on our home back in 2015 and it was n't there then either I feel as if I am being ripped off and I can not believe such a large company feels the need to lie and steel from low income familys

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (PA).
Issue: Taking out the loan or lease

Complaint: I went to a dealer that uses Chase Auto Finance as their captive lender. I purchased an add-on optional insurance product in the amount of {$690.00} and paid for that product separately on XXXX XXXX, 2016 while leasing my vehicle. Under the terms of the agreement for the insurance I have a 60 day right to cancel. I have diligently attempted to cancel the product without success. On XXXX XXXX, 2016 XXXX XXXX XXXX ( Chase ) sent me a letter stating that the Optional Insurance product was incorrectly stated on my lease and the total charge is {$690.00}. When I called Chase, I was told that the down payment amount was not applied to my lease ( I do n't know how that is relevant ) and the {$690.00} for the optional product was not factored into the lease payment calculation. 
The amount I paid at the time of the lease closing was : the first month 's payment of {$370.00} plus trade-in of {$500.00}, plus the {$690.00} optional product and taxes etc for a total of {$1600.00} which was charged to my XXXX XXXX. Not only can I not find an address to send a written complaint, when I called and requested XXXX I was given a XXXX XXXX XXXX This is literally the most complicated, convoluted process I have ever encountered. On a closing note - what type of oversight does Chase have with their dealers? The gentleman who I worked with told me " You wo n't understand this so I will just go over the important parts '' when reviewing the terms of my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CREDENCE RESOURCE MANAGEMENT, LLC with Phone # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, is continuously trying to collect a debt from me that is for a person with the same name as I. We have gone through the process with them of verifying that I did not ever live at the address in question and last XXXX digits of my Social Security Number do not match but they continue to repeatedly call. I have checked my XXXX credit report and no debts show up in collections. As of today they have somehow got hold of my company cell phone number and have called me on again about this debt. Each time they initiate this procedure they act like it is their first attempt to collect this debt. This is not the first time this has happened, I am assuming this company purchased this old debt form another debt collection agency. I had written the prior agency to inform them the debt is not mine and to end all contact. I am assuming this will continuously happen again if I do not report this to the proper agency because this has been going on for over 3 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I opened a new PNC checking account on XX/XX/2016 in response to a {$300.00} new account bonus that was advertised. 
I met the two requirements of the bonus, including ( 1 ) 10 debit card transactions which were completed on XX/XX/2016 and ( 2 ) direct deposits totaling {$5000.00} which were completed on XX/XX/2016 and XX/XX/2016. Attached is documentation showing the promotion, completed debit transactions, and account alerts I received confirming that two {$2500.00} direct deposits were made. 

PNC should have credited my account with the bonus by now, but they have not. I 'm requesting credit for {$300.00} honoring the promotion.

Company response to consumer: Closed
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had back XXXX in 2015 and could not work, received temporary XXXX, a small percentage of my income. I used two credit cards to survive and always made my payments on time. I am back to work and paid off the two amounts on time, same day to pay was the XXXX of the month. XXXX XXXX was excellent, no issues. Capital One received my balance in full as they advertised on the XXXX and by today the XXXX created a XXXX charge, pure interest. This is unfair since I paid what I was told would bring my balance to zero before time, their app literally showed XXXX balance for a week. Capital one employees did not know how to justify their ghost charge, cycles no where else mentioned and will not remove them, thou they were directly asked to remove them.I believe They must clearly state at the pay off page online that balance may be incomplete in order for their action to comply with Fair trading ... I refuse to pay for a charge Capital One adds at will after they received my balance in full. I feel scammed now that I may end up with a bad reference in my credit.

Company response to consumer: Closed with explanation