milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I just recently found out the City MORTGAGE AND NATIONAL DEFAULT foreclosed on my property illegally. I was corresponding with CITI MORTGAGE for a modification gave them all the details pertain to my finance. At the same time I asked CITI MORTGAGE AND NATIONAL DEFAULT to validate the debt. The reason why other entities were calling and mention that the loan has been sold. Who do I send payment to? I ask the entities to validate the debt they ignored all my paper work and foreclosed on us. While they were supposedly working with us for a modification. I need to report this asap so they can correct this matter immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have a Citi Checking and a Citi DoubleCash ( credit card ). I instructed Citi DoubleCash to pay off my credit card using my Citi Checking on X/XX/2017. Citi DoubleCash informed me that it withdrew the funds from Citi Checking on X/XX/2017 ( Citi rep confirmed it in a written chat conversation on XX/XX/XXXX ). However, on X/XX/2017 my Citi Checking did not show that the transaction took place on XXXX/XXXX/XXXX ( also it did not show that that the transaction was " pending '' / " in progress '' / " scheduled '' ). When on X/XX/2017 I asked a Citi Checking rep, how much money I had on the account, she  stated that it was {$11000.00} ( which did not reflect the {$4000.00} payment that was already transferred to my Citi DoubleCash a day earlier ).
I asked the rep what would happen if I relied on the information provided to me by Citi Checking that on XX/XX/XXXX I had {$11000.00}. What if on X/XX/2017 I withdrew {$8000.00} from the account, and a few days later Citi Checking informed me that at the time of withdrawing {$8000.00} I had not {$11000.00} but {$7000.00} on my account because Citi DoubleCash withdrew {$4000.00} on X/XX/2017. The rep  informed me that I would be charged an overdraft fee and that the fee would not be waived.

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 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is being sent to you in regards to the above reference account that Linebarger Goggan Blair & Sampson , LLP has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Earlier this year  XXXX   XXXX  was placed on my credit report as a collections account. I immediately disputed it directly with  XXXX   XXXX  through CFPB and the account was removed from my credit files with all  XXXX  credit bureaus and a cease and desist was placed. In  XXXX  of   XXXX   I noticed  XXXX   XXXX  was placed back into my credit file and I did not receive proper notification from the collection agency or credit bureau as required per the FCRA. No notice was given that this was being placed back into my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted over and over during the past three years for a debt I do n't owe. XXXX it was XXXX call, then a year later they started calling me ever few weeks, then XXXX or XXXX a week, and now they call me every single day, XXXX times a day. I have spoken to them on multiple occasions and they have been nothing but difficult. XXXX they absolutely refuse to say anything but " I 'm sorry you are not authorized '' as soon as they find out I do n't owe them money. XXXX they keep taking my name and phone number but it apparently does absolutely nothing. I have XXXX and this is not only very XXXX but I also have XXXX and their calls at XXXX are disrupting what little sleep I get.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had automatic payments coming out of my account from XXXX. I canceled the insurance when i got rid of the car. I Just got a credit report and seen that XXXX was on there through Caine Weiner saying I owe them Money. I never got any notice or phone calls or anything and there is no last activity date or a contact phone number. I Should n't owe anything because I had automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This account reported on my credit report and I have no idea even it 's my account due to lack of communication I have not received and correspondence by mail or phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (I do not know) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Santander Bank has called over 30 times, even after I called them. The number calling me is XXXX..My phone is 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 11-01-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Wells Fargo offers a " Returned item and Deposit Details '' service to customers for a fee of {$3.00} per month, allowing customers to view copies of deposited check images in online banking. Their terms state that " This fee is charged only during a month when the service is used ''. This can be a useful service and tool, well worth the {$3.00} fee when needed. ( See page 24 of attached PDF, referenced as page 35 within the booklet ). However, this fee has occurred on monthly statements in which the service has not been rendered, or the service was used without our positive consent. A ) Wells Fargo should be forced to alert the customer with a pop-up that a click within online banking will result in a fee for that month. The alert should require positive consent from that customer that acknowledges the fee will occur that month. B ) If the check image is unavailable for viewing, the customer should not be charged a fee as no service has been rendered ( see attached screenshot ). I consider this similar to the XXXX scenario, where a customer must consent to a purchase prior to downloading an app/music.

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 monetary relief
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage collector, XXXX ( nka Ocwen ) refused payments and forced me to file Chapter XXXX Bankruptcy. My Chapter XXXX was a full repayment plan. After all payments were made the Court confirmed with all Creditors that full payments had been received and they said that nothing was due and owing. 6 months after my bankruptcy was discharged Ocwen claimed ( through notice to my attorney ) that I owed an additional {$8500.00} and threatened foreclosure. My bankruptcy attorney was not helpful with disputing this amount and I was so stressed out that I went ahead and entered into a Loan Modification with them and did not dispute the amount. During the bankruptcy and after I have requested monthly statements. My attorney sent several letters telling the it was ok for them to send monthly statements ; and I have called and faxed/mailed letters asking for monthly statements. I have not received a monthly statement since 2008. When I call they tell me that they have notes saying that I told them to " not '' send statements. Oh and when I do call I 'm calling XXXX or some foreign country. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax 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 the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Mortgage (Conventional home mortgage) with Aspen Yo LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: We purchased our house without any knowledge that the property had issues with severe flooding and have made several attempts to make several of the mortgage companies that we have had over the years.
Apparently severe flooding issues with a property do not matter much. One of our mortgage companies was   XXXX   XXXX    after we provided kondaur with photos of the flooding and at the end of the day we wound up in a forbearance agreement which we completed in hopes of having a more affordable monthly mortgage payment but after we made our last foreberance agreement payment our mortgage was promptly sold to   XXXX   XXXX   and after still having issues with property flooding yet again we are being asked to do another forbearance agreement for 24 months and we would be doing this WITHOUT the knowledge of what happens after the 24 month period. Instead of this company offering us a realistic and affordable way option to get on good terms they have all Of our financial information and are well aware of our financial capabilities. So in short we are interested in some kind of resolve that would be realistic and actually allow a family of five 3 of which are in school from elementary school thru college we also WANT them to come and physically come and inspect the property so they can justify the value they have placed on it. We think that   XXXX   XXXX  l deceived   XXXX   XXXX   when it was purchased we seriously very much doubt that  XXXX  disclosed the flooding issues this property has. And if in fact that is the case that would mean that   XXXX   XXXX   would have a legitimate Compliant that they could pursue with   XXXX   XXXX  . When you view the photos that are uploaded for review we like someone to explain and justify NOT being able to come to A Reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The ACH amount owed XXXX XXXX was wrongly paid to XXXX Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, XXXX Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.

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 monetary relief
Consumer complaint received 09-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On XXXX XXXX 2017 I went to XXXX XXXX 's website to apply for a XXXX XXXX  STORE Credit Card. 

I was directed to a application form used for BOTH the STORE Credit Card and XXXX Credit Card. 

While terms for both cards are shown, there is no indication on the page that I would not get to pick which card would be opened for me. My intention was to open a STORE credit card and not a XXXX credit card. 

Upon submitting the initial application web page a XXXX credit card was immediately opened in my name without being given the option to pick. 

I immediately called the company and requested the card be changed to a store credit card. They did so by closing the XXXX account and opening a new STORE account. 

In addition to this unwanted kind of credit being issued, this resulted in unnecessary account opens and closures on my credit history.

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 02/16/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I transferred {$500.00} to my Citizens Bank checking account on or about XXXX/XXXX/16. When I withdrew {$200.00} on XXXX/XXXX/16, the balance reflected at the ATM machine was {$440.00}. 
One day later, my balance reflected - {$53.00}, and a {$35.00} fee was assessed as an overdraft charge. 
When I messaged Citizens Bank online, " XXXX XXXX '' informed me that the {$500.00} did not show up in my account until XXXX/XXXX/16, and that the {$35.00} fee would not be waived. However, as I checked my account balance at the ATM ( Citizens Bank 's own ATM machine! ) and it was over {$600.00}, I do not believe a {$35.00} fee should have been assessed. I am happy to file a XXXX or any other complaint as needed to achieve this refund, as the fee assessed was clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXX/JP Morgan Chase Bank this account was in deferment the whole time. I see when I wrote in back in XX/XX/XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because XXXX  has not done nothing on my credit report. There is no late payments when a student loan is in Deferment

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with Quality Asset Recovery LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/2017, I was contacted my Quality Asset Recovery LLC about a medical debt that I can afford to pay but I am actively disputing in court ( the XXXX 's office has already been served with notice to appear in court and I'm assuming they put this into collections as retaliation ). The representative refused to tell me where she was calling from or why she was calling before I confirmed the personal information she already knew about me, which I eventually did after she declined to identify herself repeatedly. 

Eventually she told me I had an outstanding debt that I needed to pay and threatened multiple times that if I didn't pay it, it would affect my XXXX XXXX. When I finally got her to tell me, I learned representative 's name was XXXX XXXX. She made sure to threaten my XXXX XXXX one last time before she hung up.

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 11/28/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I went to pay my Macy 's credit card account 6 days ago and was unable to get in to the system, it keeps reverting back to Macy's.com after it says it is leaving to go to XXXX. I tried to get assistance and there is no one that speaks XXXX to speak to then I spoke to XXXX different people in XXXX minutes and it took XXXX phone calls. 
My account is now late, they say that you have to get a new credit card with a new number and then you can use the system. NO WHERE has anything been sent stating this was going to happen and now I have a late fee and they are ONLY concerned with trying to get a payment prior to them even trying to HELP. I am disgusted, I think I have had these cards for 15 years at least and now they say the new & improved system is great however it SUCKS and you can not even get into it. 
I understand things are changing but since when does XXXX the customer over help? What happened to sending out a new credit card and explaining WHY you need to have a different number instead of XXXX the customer, the tech support ca n't even answer if this is going to show up as an additional number to the previous one on your credit report, yet again if it does it can effect your credit report and there again screw the customer ... 
Macy 's is the ONLY company that I have a credit card with that you can NOT pay online for the date due, you have to pay online on the day you are online doing it ( something new with them in the last year ) ... XXXX is wrong with this company?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There has been a derogatory remark that has reappeared on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (I do not know) with United Collection Bureau, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a voice message on my iPhone yesterday claiming to be a debt collection agency and threatened to file charges against me tht I do not owe. 
I do n't know the people. Could not make out who they represent. 
The phone number is XXXX. 
I did not call them back as they asked me to. 

I do n't owe anything at all, not even income tax. 

I also had received XXXX bogus calls claiming to represent the Treasury Dept. saying that I owe taxes which I do not and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I receive my  XXXX  monthly payment at the  U.S. Bank  located at  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX ,  XXXX . Since I had a large number of {$20.00}, I entered the bank and requested they be exchanged for {$100.00} bills. The teller informed me that I had to be an account holder to do that type of a transaction but she would do it this time as a courtsey.???   1 - The  XXXX  account is  US  Department deposit only, meaning that I can not deposit funds into the account. Only do withdrawals and debit purchases, from which this bank gets an income in purchase fees.    2  - This bank should reconsider this policy or their ATM machine disburse funds in larger bills, instead of {$20.00} 's.

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