milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Trouble during payment process

Complaint: PHH mortgage has continuously made several inaccurate changes and modifications to my account. Funds from escrow and even applying payments solely to interest and other areas. I want my loan serviced from another company. I have tried to get these problems resolved and they have even all often applied mortgage payments to other areas leaving money unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted repeatedly by a debt collector under the name of Eastern Account System Of Connecticut attempting to collect a {$79.00} balance on behalf of XXXX. 

Since the latter provides my cable internet service and I have been current on my payments, I checked with them regarding this attempt and they promised to escalate the matter and ensure that no adverse information regarding a collection was placed on my credit history. 

That was several days ago and nothing has changed. 

I have attached a copy of the notice from Eastern Account Systems dated XXXX XXXX. 

I have also attached the latest service bill from XXXX showing my account to be current at the same time period and the only amounts owed being the current monthly balance that was due on XXXX 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 12/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax allowed my report to be double pulled/double reported by XXXX. I have attempted to dispute this multiple times, as it has caused me denial of credit. My file should have only been shared once.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXX: Purchased Home - established with CitiMortgage Refinance a few times to go with interest rate. Most current rate is 6.25 %, fixed 30 year. HELOC also was 4.75 %. 
Payments from ACH - acct established with Mortgage set up, HELOC was EZ PAY from same acct. 
Business losses starting in XX/XX/XXXX/XX/XX/XXXX - XXXX 's income dropped significantly, Business closed door XX/XX/XXXX. Chapter 13 BK filed for business in XX/XX/XXXX. 
XX/XX/XXXX : ACH - EZ Pay cancelled by Citibank due to BK status XX/XX/XXXX : ACH - EZ Pay re-established by Citibank and XXXX XXXX for automatic payments again. Payments continued to be withdrawn and credited with no issues until end ofXX/XX/XXXX XX/XX/XXXX : Citibank accepts letter from Attorney giving permission to Citi to deal direct with XXXX XXXX to modify mortgageXX/XX/XXXX : Citibank starts submittal process and assigns point of contactXX/XX/XXXX thruXX/XX/XXXX : Citibank starts with first Mortgage change - sends 6 notifications to court and attornies about payment changesXX/XX/XXXX : Citibank takes and credits mortgage payment, but not HELOC - branches can not take payment, modification team can not take payment, BK dept very difficult to reach. No notification from Citibank that they have not applied payment This went on every month throughXX/XX/XXXX. 
XX/XX/XXXX : Citibank filed motion to relieve stay so they could foreclose. 
XX/XX/XXXX : XXXX forced BK dept to take and credit payments - money was always there. 
BK dept established Suspense account since they did n't know where to credit payments - {$5200.00} to first, {$10000.00} to HELOC suspense. 
XX/XX/XXXX : Citibank withdrew Motion to Relieve Stay after XXXX XXXX  attorney contacted them and challenged their actionsXX/XX/XXXX : This morning on the phone Citbank told me they had decided to deny the modification. I have asked for this in writing with a copy to the BK Trustee and my attorney.

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 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have unauthorized credit inquiries on my Experian Credit report Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/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 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I am writing presently in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

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 03/29/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. 
I disputed this matter to this company onXX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX XXXX Amount : {$750.00} -- - opened :XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2018 {$2500.00} was charged to my credit card for a previously negotiated settlement from XXXX XXXX XXXX ( Medical Data Systems ). I originally owed around {$6000.00} for an inpatient hospital stay at XXXX XXXX XXXX. I was contacted by a debt collector from XXXX XXXX XXXX stating that if I paid them {$2500.00} " today, '' my debt would be zero 'd out ; stating that his supervisor approved this negotiated settlement. I borrowed the {$2500.00} from my parents and paid this debt. I was advised that they would mail me a confirmation letter stating I had a {$0.00} balance, which I never did. on XX/XX/2018, I received a phone call from XXXX, a debt collector at XXXX XXXX XXXX, stating that the original debt collector XXXX " made a mistake '' and " was not meant to offer this much of a discount, '' as this was not approved by XXXX XXXX XXXX ( even though it was approved by the debt collector 's supervisor ). When I asked to speak to XXXX 's supervisor XXXX, XXXX then stated that XXXX was " new '' and that they were " dealing with this mistake internally. '' XXXX told me that he would refund the money ( the agreed upon settlement of {$2500.00} ) and then set up a new payment plan for the entire amount originally owed. I told XXXX that when XXXX set up this agreed settlement, he violated the Fair Debt Collection Practices Act by falsely misrepresenting what I owed in order to settle the debt. I even called on the morning of XX/XX/2018 to ensure that the payment went through and that everything was all set, and was advised again that everything was good on their end and that they would mail me a confirmation letter, which I did not receive. XXXX falsely misrepresented my debt and falsely led me to believe that if I paid a large lump sum at once, my debt would be settled. I did not agree with a new payment plan with XXXX XXXX XXXX at this time as I believe this debt collector acted unfairly and unethically. Since this was an internal mistake ( after I already paid my agreed upon settlement ), XXXX XXXX XXXX should have to honor their initial settlement agreement with me despite them now having to lose money. I was just on the phone with XXXX for 25 minutes and have the entire phone conversation recorded, where he stated in detail in the conversation the initial agreed upon settlement and that it was an internal mistake that " they were dealing with. '' The audio file is 12.5 mb so I am unable to upload it to this file ( 10 mb max ). If an email can be provided, I will be happy to forward this audio file. Thank you.

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 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. 

My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. 
The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: I have earlier had a dispute about my credit card with Chase. After checking with XXXX, I find Chase has me listed on a Chase account I do not have. I use to be an authorized user on this account ; however, my name was taken off the account about XXXX months ago. The account number is XXXX and the name on the account is XXXX XXXX XXXX Case XXXX Response.pdf a dispute about my credit card with chase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: There is a bi-weekly deduction taken from my XXXX as I work for the XXXX XXXX XXXX ( XXXX ). I did not create this account which is over ( 16 ) years old now. It is deemed as being a " Savings Account ''. The bank to which my money is going is clear with all details available to me. The problem is that no one at the bank will talk to me stating " my name is not on the account ''. Well, you can see my dilemma. I 'm working with the XXXX XXXX XXXX XXXX ( XXXX ) and other organizations to remedy this matter. I have a trail of accurate, damning information for those responsible if anyone will take the steps to hold them accountable. I do n't bank with the institution that 's been taking money from my account for over ( 16 ) years. I use another bank to deal with all of my banking needs. Please advise, XXXX XXXX XXXX Email : XXXXXXXXXXXX

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to protect my personal information, rendering my identity vulnerable to compromise by unknown people

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with Account Managers, Inc. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In 2012 I had a child. 6 months after I received a bill from the provider but it was substantially higher than I expected, and I was told it was because my insurance did not cover the additional tests required. I talked to my insurance company. The tests were XXXX tests and XXXX done weekly because I was " XXXX '' aka over XXXX. The insurance said that they had not put the XXXX on the bill and to work with them to have it resubmitted. The office manager verbally told me she was working on that and I no longer recieved any bills. Then I recieved a notice it was being sent to collections. I called and it was a new office manager and I reexplained and she was going to look into it, but apparently just turned it over for collections. Grimm Collections has contacted me several times for payment and I have told them this every time all the while trying to get the provider to rebill insurance, but since they sold the debt to the collection company the office manager said it was no longer their debt. I was served with papers that they were going to take legal action. I asked the process server what the next steps were because at this point the medical provider has closed their office. I was told that I would be contacted with a court date. The paperwork only gave options for payment, so I waited. Now I am getting demanding calls XXXX and three times a day demanding full payment, and that they are not going to stop calling and saying that the court date has already passed and I missed my opportunity to say my piece.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Using a debit or ATM card

Complaint: In XX/XX/2016 we were informed that a transaction we authorized was fraudulent. I contacted my bank, PNC to file a dispute. The dispute was filed and a provisional credit was issued. I received a 'questionnaire ' from them, completed and returned. I did not hear anything else and assumed it was resolved. 90 days after the dispute was filed, I saw that the provisional credit was removed from my account. I called back to PNC to inquire about this and they said they did n't receive my paperwork and I had to file another dispute, which I did. They advised that somebody would be calling. Nobody called and the money was then removed again. I called approximately three weeks ago to figure out what was going on and they said I had to file another dispute because that one was denied because they did n't have the information. I filed another dispute and then five days later I received a generic denial letter stating I 'm out of the timeframe to report a dispute. I then tried to reach the dispute coordinator multiple times with no callback. I filed a complaint with PNC for the lack of response. They were helpful, but refused to re-open the original dispute because they 're outside of their 60 day window. I advised that it 's not a new dispute and would like that re-opened due to the fact that since I sent in the original paperwork timely. When looking at Regulation E - 12 CFR Part 1005.11, subpart A, section b ( 3 ), " ... the consumer 's notice of error is timely if received by the financial institution no later than 60 days after the institution sends the information requested. '' Since I did not hear anything from them until the original dispute was declined and provisional credit was taken out, I assumed they received it, thus making my response timely. 

I attempted to explain my interpretation of the above to PNC. I advised them that I would like them to look into the original dispute due to me asserting there is an error in them not receiving my questionnaire. They advised they could not re-open. My interpretation of the same regulation, section e is that " ... except in the case of an error asserted by the consumer following receipt of information provided ... '' I understand for whatever reason they say it was never received but mailing it in and not hearing back caused me to assume that it was timely and there were no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I fell behind on mortgage due a loss income, increase in expenses and divorce. I contacted XXXX XXXX XXXX in XXXX XXXX, Michigan. I was working with XXXX XXXX who was one of their financial counselors. She helped complete a lost mitigation application and it was submitted on XXXX XXXX, XXXX. Carrington kept requesting documents that were already submitted. This was n't the first time they have done this to me when submitting a loss mitigation application. I filed a complaint with CFPB back in XXXX of XXXX regarding the same issue. Complaint number XXXX. All the documents that were requested were sent on XXXX XXXX, XXXX. XXXX XXXX took over my case at XXXX XXXX XXXX. He contacted Carrington on XXXX XXXX, XXXX and was informed that my case had been closed because I did not submit the documents that we were being requested which were sent on XXXX XXXX. XXXX suggested to resubmit a new application since Carrington had already closed my case and they were n't willing to re-open it. A completed application was submitted on XXXX XXXX, XXXX. I have attached a copy of the entire application. I was told on XXXX XXXX, XXXX that my case was close because I submitted an incomplete application. XXXX contacted Carrington and was told that I was missing the following : -Recent paystubs ( which are on pages XXXX ) -Bank Statements ( which are on pages XXXX ) -Letter stating how many household members are in the house ( which is on page XXXX XXXX paragraph. This information is also listed on my food stamp benefit letter found on pages XXXX. ) I did not receive a written notice or email stating that this information was missing ( even though this information was not missing. ) I think that what Carrington is doing is unfair to me and all the work that XXXX XXXX XXXX has put into my case. They have been giving me the runaround for over a year and they have closed my case twice for invalid reasons. I am asking Carrington to review my application completely and to read and pay attention to all the documents that are submitted. This will be 4th time applying for loan modification. All I want is to ensure that my kids and I have a place to live. Thank you for taking the time to review my complaint. I have attached my completed application from XXXX/XXXX/XXXX and the fax confirmation stating that my application was received.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with U.S. BANCORP (WY).
Issue: Advertising and marketing

Complaint: I applied for a XXXX XXXX Visa Signature credit card in XXXX. At that time, they advertised the card as offering a " Bonus Award Night ''. This means on award stays of XXXX+ nights credit card holders receive XXXX XXXX free. Less than two weeks after my application, this benefit was canceled starting XXXX XXXX. There are other, smaller, changes as well. All of this took place in less than three months after receiving my card and paying the annual fee. 

I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Payday loan () with CASHCALL, INC. (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX in 2012, I have already paid back XXXX and I still owe XXXX more payments of XXXX the interest rate is 135 %. My car is broken and I ca n't afford a new one and still make this payment. they take out of my bank every month, I ca n't afford to stop paying and them harass me at work and ruin my credit with negative information. I was told this interest rate is not legal. I need help to learn what my options are?

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