milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I refinanced my mortgage in XX/XX/XXXX, and part of the process is to pay my outstanding debts. The escrow sent me checks payable to Macy 's for {$2800.00}. I returned the checks because there was an excess of {$800.00} or more, because Macys wo n't refund me cash, instead will just give store credit. But until now the escrow can not pay my Macys debt. I called Macys and said they assigned me new numbers which they do n't want to give me or to the escrow company. I want to close this account, because Macys has been charging me twice for a late fee ( if I am late ), in XXXX credit card. I keep paying the balance of my Macys to avoid penalty fee and keep paying my mortgage including my collectible of {$2800.00}.

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 09-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: The green tree servicing lawsuit amount was {$9500.00} for me but I received a check for {$53.00}. Why? When it is so hard to get Ditch, Green tree, XXXX XXXX to even issue a loan modification after the threats and humiliation from this company. Why only XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection account from  Hunter Warfield  showed up on my credit report about two weeks ago. This account is not mine. I have contacted the company and asked them for help removing it and for relevant information about the account. It is from an apartment I have never lived at or been associated with. The address of the apartment does not even show up on my credit file. They said they have been reporting since  XXXX , but it only showed up on my credit file in  XXXX  of  XXXX !! I have perfect credit and this account is ruining my credit. I have NEVER been sent any type of letter or bill from this company in the 2 years that they have had this account, and again I did n't even know this account excited till two weeks ago. I have called the company and they are unwilling to help or work with me. They want me to provide information that is so old and almost impossible to get, they also said that any information provided they would call and verify it as correct, which is invading my privacy. The information showing up on my credit file is as follows.      Hunter Warfield   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Rental Leasing Original Creditor :   XXXX   XXXX   XXXX   XXXX   Account Number :  XXXX  Account Owner : Individule Account Original Amount Owed : {$4500.00} Date of  XXXX  Delequency :  XXXX  Balance Date :  XXXX  Balance Owed : {$5200.00} Status Date :  XXXX  Status : D-Unpaid This is not my account and I want it removed from my credit file! Please help me stop this company from illegally doing whatever they want and reporting incorrect information to the credit reporting agencies!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I obtained a firsdt mortgage and a 2nd ( HELOC ) on XXXX XXXX XXXX with XXXX XXXX. The loan # with XXXX was XXXX. XXXX was acquired by XXXX. I contacted XXXX XXXX and they only show that the loan was transferred to XXXX XXXX / GMAC immediately. GMAC servicing is now handled by XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX at XXXX and left a very long and detailed voicemail. Ocwen is only able to provide payment history from the date the loan was transferred to them which is XXXX. I am trying to refinance as a rate and term refinance. In order to do so the current conventional lending guidelines require that I prove from my current lender that no draws were taken out from the inception of the loan. I need Ocwen to state that. I have n't ever used the HELOC for draws. It was only used to obtain the loan. I am now in jeopardy of losing the ability to refinance to pay of the HELOC while interest rates are low. The value has n't completely come back pre XXXX but I can now afford to pay it off with the current appraised value and some funds from me. There is a balloon payment on the HELOC in 3 years that I want to avoid. I need Ocwen to provide a letter stating that the loan has n't ever had a draw and to also produce the note. I think it is very restrictive that they wo n't /ca n't provide records to allow me to refinance to pay them off. I 'm not asking for any favors. It is unfair but if I were to start missing payments it would be an immediate impact on my credit and my ability to secure low interest rate financing and even employment. I am now 2 weeks into this process and I keep getting the run around. The letter I am going to upoad from Ocwen states there has been no draws since the loan was relocated to them but I need it from XXXX/XXXX/XXXX. If they lost or did n't obtain the records I feel they should provide anyway as I am powerless to move forward without it. I am trying to pay them off with no fault of my own I 'm at an impass.My monthly payment is XXXX a month. I am trying to give them their entire XXXX in a lump sum in less than 2 weeks. One would think they would do what is necessary since its a problem that these lost records have created. I have not missed a payment on this loan in 12 years. Please help resolve this.

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 03/15/2017 about Debt collection (Credit card) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit collections service is trying to collect a debt they bought and they are not licensed to operate in my state.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a credit card account from XXXX from ten years ago or longer. Midland Funding , LLC is somehow renewing the timeline to an earlier date from XX/XX/2014. From a debt long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of HBOR law is based on Nationstar Mortgage improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times and i never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of the file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. they have never offered any help or relief and continue to threaten to take my home. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX\ XXXX XXXX to illegally start foreclosure on my property. The Nationstar Mortgage and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. So there is no reason why Nationstar should have denied my request or started foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Other bank product/service) with KEYCORP (NY).
Issue: Using a debit or ATM card

Complaint: Recently Key Bank acquired many of the facilities and accounts of 1st Niagara Bank. In communications from both 1st Niagara and Key Bank, customers were told that no change would take place, that we would continue with the same accounts : the account numbers would remain the same, we could use our 1st Niagara Checks, etc. We were also told that we could continue to use our ATM cards and ATM passwords. 
I am XXXX of those 1st Niagara customers that was " sold '' to Key Bank. Other than some initial problems getting Internet access to my accounts, things seemed to be going OK. Yesterday I received my XXXX statement for my checking account. On that statement I noted a {$1.00} fee for a " KEYMONEY ATM CARD FEE ''. I e-mailed the bank about this and was informed that this was because I did not have a Key Bank Debt card ( which Key bank apparently has designated as " their '' ATM card ). So unless I get a Debt card ( which I prefer not to do as such cards do not have the consumer protections that credit cards do ) I will have to pay a monthly fee to access my account via an ATM The bank also told me that this fee was disclosed in a XXXX page Consumer Disclosure Booklet. So apparently earlier statements to the effect that we 1st Niagara customers could continue as usual were not truthful. 
As a minimum, Key bank should continue to honor the 1st Niagara ATM cards with no additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have an address reporting to my XXXX, TransUnion and XXXX credit report that is not my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: One day my credit score goes up XXXX points without me doing anything, the next day it drops XXXX points without anything happening.

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 09/21/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have purchased a home with my ex husband the loan is in his name only and I 'm on the deed to the house we divorced in XX/XX/XXXX I have resided at the property and have been paying on his mortgage to stay here the payments got behind I paid the bank {$1000.00} in XX/XX/XXXX and been making the payments the mortgage company is refusing my payment because its behind and no payment plan was set up now I 'm disputing with the mortgage company to get all my refund that legally I 'm not responsible for and now they are foreclosing on the house and trying to put me out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: XXXX XXXX I paid my CITI Bank credit card account in full, as I do every month. I signed up for paperless statements at that time. I did not charge anything on my CITI card until XXXX XXXX for {$36.00}. In early XXXX XXXX I received a phone call from CITI stating my account was over due. I had not received any notification that I had a balance due and they had charged me {$62.00} in late fees. Although I had been receiving email about my CITI Rewards account I had NOT received any regarding my CITI credit account. I spoke with 3 different people at CITI regarding a reversal of the late fees since I was not notified of a balance due per our agreement ( paperless statements ). XXXX the CITI manager stated her records showed that CITI sent me emails, BUT in XXXX they were returned as undeliverable so they would only reverse XXXX late charge. I never received ANY emails from CITI regarding my credit card account since I enrolled in paperless statements. I do n't believe CITI when they say, they were going to you and now they are n't but we sent them!! Now you owe CITI money. This is extortion. I feel it was CITI 's error in not sending me a bill and then charging late fees when the bill is not paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.

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 05/31/2017 about Debt collection (Medical debt) with Team Recovery Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have received communication f rom Team Recovery Inc r egarding multiple medical bills ( see attached documents ) that they are trying to collect on behalf of  XXXX   XXXX   XXXX   XXXX . I requested validation of debt and received letter of verification of debt. Upon further review of documents. I noticed my insurance company was not billed  for some of the services provided. PHI is also listed on documents that I received which is a violation of the HIPAA laws. I have requested for these accounts to be deleted for inaccurate and unfair reporting. While some accounts have been deleted from   XXXX   and  XXXX . They have refused to delete accounts from  XXXX . This inaccurate reporting has severely damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX, I was living with my brother when his house caught fire in XXXX. I went to the hospital for treatment. XXXX told me they would provide me with housing, my medical bills would be paid and I would get paid for all my belongings lost in the fire. As of today I have not received anything. It came to my attention that a check was issued for me. XXXX cut a check made out to my brother and his wife, ( they were divorced XX/XX/XXXX ). My brothers wife endorsed the check, deposited it, and took the money for herself. My brother never endorsed the check or saw the money that XXXX said was intended for me. This incident was reported to the XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: On Thursday XXXX XXXX, 2015 I left my debit card at work. I left work and I was half way home when I realized this. I immediately called Bank of America via phone at got the card cancelled and the representative said I could go to any banking center and get a temporary ID. The next day, XXXX XXXX, 2015 I went to get my temporary card at the Bank of America on XXXX XXXX in XXXX Florida. I went there reluctantly because I have had a previous incident of discrimination from XXXX which I documented through Bank of America. I went inside to get my temporary card and waited. I just happen to get XXXX as my representative. When I expressed that I needed a temporary card she said ok flippantly. I gave her my Drivers License and Social Security Card per her request. My drivers license has my maiden name so I gave her my social security as another form of identification. She immediately looked at me with resistance and said I do n't think I can change this but let me see what my manager says. She did this without explanation. She went to go see with her manager not XXXX but XXXX. She came back and said she could not do it. I asked to speak with the manager as I had already had problems of discrimination with this representative before. This should be documented in her records and mine. She was discriminatory against me 60 days prior to this incident. The manager XXXX came over and immediately he appeared agitated. I proceeded to explain the situation and he said we ca n't do anything your license has to match. I advised I had my debit card replaced with a temporary card approximately XXXX times within the past year from over XXXX different Bank of America centers. He advised all of the other centers are doing it wrong. I then said I only have problems when I come to this particular center. Then XXXX said I ca n't believe you remember that. I said of course I do. I remember when people discriminate against me and I told her I would remember this incident of discrimination too. The manager interrupted her as she proceeded to speak and said " You do n't have to speak with her ''. He refused to give me access to my account by way of a temporary debit card and he treated me differently than he did the other customers that were XXXX. Additionally, when I called your offices they said that Banking Center Managers can make exceptions and they do for certain people. I suggest you check the recorded call. He told me that they can treat people differently and that was ok. I know this illegal and it is discrimination. Both XXXX and XXXX were discriminatory. Those are the events that took place on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04-03-2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN).
Issue: Managing the loan or lease

Complaint: I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.

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 03-08-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (TN).
Issue: Managing the loan or lease

Complaint: I had a Ford Fiesta leased in Hawaii when I received XXXX. Ford credit refused to honor the SCRA when I went to XXXX for my XXXX. They said the SCRA did n't apply to me because I was retiring. I did n't receive my orders until about 2 weeks before I had to leave so my only option to ground the vehicle was to pay off my lease of over {$5000.00}. After over a year of disputing and having them literally tell me they did n't care about soldiers XXXX, I am still fighting to get my money refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: To whom it may Concern : I recently pulled my credit report and noticed that a late payment has been allocated to my credit file. When I called CITICARD customer service I was told that I was n't late. I explained to customer service that they have reported a 30 days last as of XXXX/XXXX/2015. After further research they advised me that they send a statement to my email address. I verified the email address that they supposedly sent the correspondence to which was not mine. I asked if there was a bill that was due why they failed to send it to the address that I have had with them since I have opened the account they could not give me an answer. I have received proper correspondence including all of my bills from them on every other occasion yet they are at a loss on this occurrence. In addition a few months ago I had mail stolen from my mailbox soon after that I noticed fraudulent activity on some of my credit and personal information. This may have been when the changed to my billing information on this credit card had occurred. I contacted all creditors to notify them of what has happened and to make special notes of potential fraud on my accounts. CITICARD failed to do so. I attempted to make the payment multiple times online but was given error messages. ( Saying they were unable to process my request ) I then called in to their customer service line to ask if there was an issue with their online banking portal and if I had anything due at the time. They indicated that there are no issues, my online banking is working and all is accurate. I then asked them to verify payments and my information they again advised that everything was correct. This was a complete inaccurate statement. There was several things that were wrong not only was my information changed but notification and payment information was not given and or correct. I have never EVER been late in the past and throughout my entire credit history. I also never had to make a payment over the phone in the past as I never had issues with any creditor 's online service. Please follow up on the action that has taken place. Correct the erroneous late payment as blemishing my credit history and take proper action upon the company as well as the service representatives who failed me as a long standing customer as well so diligent credit user.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation