milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Hello, I sign up for Citigold Checking account with XXXX thank you bonus points. It was supposed to post on my account on XX/XX/XXXX my bonus. Its already XX/XX/XXXX, I been trying to resolved this problem with them through email for the last 4 months. Can you please help me resolved this issue. I feel like they do n't want to honor there promotional offer to there customers. Thank you very much.

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 04-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Billing disputes

Complaint: We request your action against the XXXX which failed to protect its customer ( XXXX XXXX XXXX XXXX XXXX under Fair Credit Billing Act ( FCBA ) and paid a merchant for goods not received by the consumer. 
XXXX XXXX accepted the forged XXXX delivery receipt although the consumer confirmed that did not receive the goods and XXXX confirmed unavailability of signature. 
On our dispute that recipient of our order did not receive the goods, the merchant provided additional forged email as evidence to its delivery to the recipient of our order. We do understand that XXXX XXXX is not a law enforcement authority but at least it could question the merchant if the provided proof is forged on the basis of the police report we had submitted to it. 
The claimed delivery address does not belong to the recipient of our order. We provided the evidence to the XXXX XXXX that the merchant was aware about this fact and looking for our help to subpoena the property owner where it claimed the delivery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with WELLS FARGO & COMPANY (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX I was contacted by an unknown company using phone # XXXX stating that I needed to call their office at XXXX because they have some very important, time sensitive documents for me to sign for. The address they have is over XXXX years old. When I call back I talked to XXXX XXXX. She informed me that they are trying to serve me legal documents for a debt that is outside of the statue of limitation. The debt is XXXX years old. I informed her that I claimed bankruptcy on that account in XXXX. She demanded that I send her my bankruptcy documentation via fax XXXX. Again, a different number! So I thought about it for a day and sent her a letter via Fax asking for proof of debt and for all communication to be done via e-mail because I was not giving her any additional personal information. I also informed her that if I don't receive it within the 30 days I would consider this account closed. I have not received anything from her. Not sure if this is even a legitimate debt or company.

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 09/27/2016 about Mortgage (Other mortgage) with U.S. BANCORP (PA).
Issue: Loan servicing, payments, escrow account

Complaint: i am filing a complaint against u s bank home mortgage.took XXXX and a half years to get our mortgage modified. with the lost papers miss filed papers and lack of them calling back after several messages left with questions about the papers and lost documents to allow my wife to talk to them because i was working. leaving messages etc. then told the dead line past re file again. we stoped our payment do to this so the mortage went from XXXX to XXXX as a result of this. and yet they now as of we finalized it all in XXXX of this yr and they marked that payment late on my credit. when XXXX payment was XXXX XXXX and are now say my escrow is XXXX dollars behind and i have a letter that states we owe XXXX thought this was clean slate fresh. nothing to pay in the rears cuz we have a mortgage over XXXX hire then we started. they get angray when we call hem out on it and they say my house ins is behind when it came out of my bank auto pay till they took it over. etc. i need help trying to figure out how they can duble charge me higher mortgage and behind escrow there wrong and we cant afford all this the house it not worth what there hitting us with ..

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 07/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from XXXX XXXX XXXX on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps calling here all day and leaves no message the calls are getting out of hand. I have no idea why they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Vehicle loan or lease (Loan) with VW Credit (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (ME).
Issue: Trouble during payment process

Complaint: On XX/XX/2017 I received my mortgage statement in the mail. I looked at it and it had a next payment date of XX/XX/2017 and I thought that was odd. I turned it over and saw that flagstar had entered in 3 fee amounts of {$990.00} all on the date of XX/XX/2017. Then it showed 2 payments of {$1400.00} posted to my account on XXXX. I made a payment of {$1400.00} on XX/XX/2017. I have no idea what happened so I called Flagstar. I recording of my account information said I made a payment of {$15.00} on XX/XX/2017. I  waited and talked to a girl and she said I was not due for another payment till XXXX and I said something is wrong I did not make all these extra payments and she said do n't worry just pay when it says to. Flagstar has applied someone else 's payment to my account before so I 'm assuming that is what happened. The girl opened up a case and I asked that someone call me and today is XX/XX/2017 and no one has called me. My case # is XXXX. I have been also checking my credit bureau and the balance on that for the month of XXXX shows a balance of {$210000.00} but Flagstar is showing a balance of XXXX that is a difference of {$2200.00}. The Credit Bureaus receive the update from the company every month so something is wrong with that. I want Flagstar to fix what is wrong and correct it. I am still waiting to hear back about the other case I have with Flagstar # XXXX that involved my modification and not removing my ex-husband and not having him sign any of the paper work and making me the borrower but he is still on the modification as you can see with the attachments I am sending he is still the primary borrower.

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 10-02-2016 about Student loan (Non-federal student loan) with The Regional Adjustment Bureau, Incorporated (VT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received a letter from XXXX ( XXXX ), threatening a tax offset to pay for a defaulted private student loan balance. Under the FDCPA, a private loan lender can not seize tax refunds. Those actions are only available in collection 's on Federal Student Loans.

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 03/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After making a sizable payment ( {$12000.00}. ) in XX/XX/XXXX, my next statement noted that the next payment was n't due until XX/XX/XXXX. Even so, I have continued to make payments. I am trying to find out why the payment due date for moved so far in advance, what my balance was after the XX/XX/XXXX payment, and if they were still adding interest even if the payment was n't due for another 4 years. I would also like to know why I was n't given any choices or explanation for the changes after the XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with Quality Asset Recovery LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Constantly getting calls from Quality Asset Recovery. XXXX.

I do have debts, but none are in collections, and have a credit score above XXXX. All of my bills/debts get paid on time.

No matter what I do or say, they continue to call and harass. I just want it to stop.

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 02-06-2017 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: The lender was provided our XXXX party authorization and a QWR on XX/XX/XXXX - The lender has failed to provide us with the requested information needed to properly assist the client - They have also been provided the XXXX party XXXX XXXX additional time, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - the lender is failing to approve and provide any information on the clients file - and is in violation of the clients right to counsel

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with Clarity Services (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Clarity Services to dispute information on my credit reports. I have over XXXX inquiries on my credit reports, many of them from companies inquiring about my credit. Clarity Services has sold my information to loan companies and banks that I never inquired about. I recently went into the bank to pay my daughters tuition and was rejected for a savings account. This stems from illegal, false, and bad reporting from Clarity Services, just to name a few. I would like Clarity Services, Inc to remove all of the negative reports sold to loan companies, banks, etc. I want no relationship with this agency. They were already sued for this same issue and now I see why. This company has to sell lies to companies to make profits and mess up peoples lives. I have a great job and I own my home. I have no reason to have XXXX inquiries on my credit profile and negative reports from a company that is in violation of my rights. I would like you to investigate this company and have them provide verification of all the false reporting and accusations held against me. I have already hired a lawyer. Please help me and possibly others. I 'm sure I wo n't be the last to report this illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was under the impression that during a forbearance period that my lender navient would not report my student loan to collections reporting agency causing my student loan to affect my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Trouble during payment process

Complaint: I refinanced my home mortgage with Freedom Mortgage in XX/XX/XXXX. At that time, I was instructed that I would have to pay MPI for at least 5 years before it could be eliminated as a requirement. The elimination factors for the elimination of MPI were 80 % equity value and no late payments. I have been in communication with the lendor of the course of the 5 years and in XX/XX/XXXX, I was told to write a letter to have the MPI dropped from mortgage after my 60th payment which was scheduled for XX/XX/XXXX. I did so and never heard back. Since then, I've written 4 letters and have had 4 phone conversations. None of my letters have been responded to and I am still paying MPI insurance. When I refinanced, the Home Value Appraisal was {$290000.00} and the refinance amount was ~ {$260000.00}. The loan balance is now {$220000.00}. which has me at 76 % equity value and I have never been late, making additional principal payments the entire life of the loan. I have requested that the MPI be eliminated and all payments starting with XX/XX/XXXX be refunded and applied as additional principal payments. Again, Freedom Mortgage fails to reply to me and take any action to remedy this situation. 
( Note that Freedom Mortgage did an internal conversion about 3 or 4 years ago from their previous processor, XXXX, to their own processing system. It seems that at that time, Freedom Mortgage inaccurately converted my loan balance into the appraisal value field. I have provided them the documentation from the loan closing showing that the value appraisal was $ XXXX, not $ XXXX. I do not want to pay for their conversion error ).

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 07/21/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Our Mortage Company from day one have been very unpleasant to work with, we miss a payment and try to schedule two payments withdrawals from our bank account and they accepted one and then declined every payment thru direct debit from our account. I have copies of that. Then we try to see if there was any way they can help us to to avoid any more miss payments but they never reply or was sent any letter to us. Months have pass we already apply to see if we can received a loan to add to our loan amount and have a fresh start. But they already have accelerated for a foreclosure without giving us any options to avoid the foreclosure proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: On XX/XX/2018, I have asked Experian, XXXX and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

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 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXXOne of the disputed items is Bankruptcy : XXXX XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

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 05/17/2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I helped my mother get a reverse mortgage in XX/XX/XXXX and she died XX/XX/XXXX. They started Foreclosure procedures about 2 months after she died. I sent them letters ( before she died ) requesting to set aside the reverse mortgage because they failed to follow procedures with their paperwork as mandated by HUD. There were several forms required by HUB that she was supposed to sign that she understood this process. She never signed these forms and did not understand. It was the counseling mandated by HUD but was not followed. That company XXXX was the counseling agency authorized by HUD to do the pre loan counseling, they failed in this capacity. They tried to get me to sign some papers because I lived with her but I refused. They are scheduled to foreclose on XX/XX/XXXX. Therefore I am in immediate need of your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX I gave my wallet to my attorney at the time to give to my family and instead he charged all of my accounts for his services with out anyone consent. I was under the impression that my nephew was present and gave him the consent to charge the accounts, but he never did the attorney XXXX XXXX XXXX of XXXX XXXX and XXXX took the liberty to charge the accounts him self {$15000.00} in total over 3 different accounts. Let alone he never preformed the services as he was fired before he could do anything. I had someone file charge backs regarding the accounts fraudulent charges and services not rendered and not one of the 3 banks ever made contact with me and ruled in the attorneys favor as he provided false documents to support his account of activity. The receipt he provided was dated XXXX XXXX XXXX charged at midnight and there is not anyone signature. I am waiting on finial results from Capital One Silver Credit Card and XXXX XXXX, However Capital One 360 has ruled there is not an error and finalized a decision in the attorneys favor with out ever looking over the documents or confirming a signature. XXXX, XXXX XXXX requires a signature for charges or {$50.00} there is not any body 's signature on the receipts. Please help in this matter it is not the first time I had a dispute with Capital One 360 where they never investigated the matter correctly and favored the vendor.

Company response to consumer: Closed with explanation