milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: They are trying to foreclose on my house with fraudulent documents A Affidavit of Notice and a revocation power of attorney was filed in the Real Estate Division XXXX county. They are using fraudelant documents to take possession of my home.. I asked for a judical foreclosure based on the PSA. I was in the process of a modification when they initiated the foreclosure which is a part of dual tracking and a violation

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Rewards

Complaint: Received email dated XXXX/XXXX/XXXX from Frontier Airlines MasterCard issued by Barclays Bank, saying " earn a {$100.00} Frontier Airlines flight discount every year when you spend {$2500.00} on purchases with the Frontier Airlines MasterCard. I completed the the required purchases by XX/XX/XXXX and contacted Barclays Bank asking when I would receive the {$100.00} discount voucher. Barclays Bank emailed me saying it would take 6-8 weeks. After 8 weeks I contacted Barclays Bank again and was told the the discount voucher plan was not in effect until 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 monetary relief
Consumer complaint received 06-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments

Complaint: Constantly calling with short ANNOYING statements " CALL ENDING ",  XXXX  THEN A PAUSE AND DISCONNECT and other short comments through out the day Several Times A day ... ..sometimes Just Holding the line.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After making several requests by telephone and by letter, " JPMorgan Chase Bank , N.A . '' has not provided a : 1. Copy of the " Mortgage Loan Payoff '' letter ; and 2. " Closing Statement '' that lists all the " charges '' and " credits '' that were applied by the bank to fully payoff the mortgage loan. 
As a result, there is no way to check the " charges '' or " credits '' as to being correct. 
I paid {$5400.00} Chase on XXXX/XXXX/15 and Chase refunded {$3.00} XXXX/XXXX/15. 
Chase sent a letter that stated that the loan was fully paid off, but Chase did not provide any final accounting of how a payment of {$5400.00} resulted in a return of {$3.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2016 about Bank account or service (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics.

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 07/19/2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: There seems to be a mistake. I submitted a Qualified Written RESPA Request and Select Portfolio Servicing told me to go fly a kite. 12 USC 2605 clearly states that within 30 days the financial institution owes me a substantive response. 
Select Portfolio Servicing has NOT provided me with any response other than the tell me to XXXX. there is a missing security which will be reported to the FBI. 
The Qualified Written RESPA Request was sent Certified Mail XXXX on XXXX/XXXX/2016. 

The default provisions are now in effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My credit score was decreased by XXXX due to a medical bill collection being added to my credit in the amount of XXXX which is a dead I do not believe I owe company did not verify it haven't been to any emergency rooms in XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have made on time payments which were not posted to my billing statements for each of the past two months. The statement cutoff date is the third day of each month. My XXXX payment was received XXXX XXXX and my XXXX payment was received XXXX XXXX and neither was posted to the following month 's billing statement. I was able to verify the receipt date through the CitiMortgage automated telephone number. 
I have had multiple issues with CitiMortgage regarding proper posting of my payments and accurately reflecting the correct principal amount and minimum payments due with an unsatisfactory experience due to their poor system of internal controls. 
Please investigate and resolve this matter. 
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 01-05-2017 about Debt collection (Credit card) with Alliance Data Card Services (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me at all hours of the day and now use a unknown number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: When  Costco  made the change fro m Amex to Visa,      Citibank issued me a new credit card. I am also a citibank banking customer. I never used my new credit card, except as a costco membership card, I have other visas that I prefer using. T he card was also never added to my online account.     After roughly 9 month s, Citi close d the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score m onitoring service, if it had not been for this  Citi would still never have informed me of the charge. I started calling Citi to figure out which account had a notice of delinquency, and when they identified the Costco account, I did n't understand, never having spent money on it. It turned out that I was charged the Costco membership fee ( automatically )  on that card, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  Citi has been impossible and they say nothing can be done now. They actually made the claim that since Citi has NEVER misreported credit data, they do n't have a way t o rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX incorrectly coded my credit card account as having been included in a bankruptcy filing that was not mine and then erroneously reported this information to Transunion in XXXX of 2017. As a result, my XXXX account was frozen and my credit report for Transunion showed that my account was included in a bankruptcy, which is incorrect. After several weeks of phone calls with XXXX, and explaining to various representatives that I had not filed a bankruptcy, I was able to get the name of the lawyer listed on the bankruptcy filing they were attributing to me. The lawyer, who is located in Wisconsin ( I live in Virginia ) confirmed that the bankruptcy filing was not mine, but was for an individual with a similar name and social security number to mine. I was able to get the lawyer to submit a letter to XXXX  indicating that the information they were using/reporting about me was erroneous. Eventually, after many weeks, XXXX finally accepted responsibility for the incorrect coding of my account. At that time, I was told by XXXX that my only choice of action was to pay off my balance, because my account was now closed and could not be reopened. I paid off my account balance immediately and my balance is now XXXX and the account is listed as closed. However, the erroneous information from XXXX remains on my credit report for Transunion and has resulted in a significant decrease in my credit score. I filed a dispute with Transunion, but the only resulting action was to add a note that I disputed the information. It is important to note that at no time have any public bankruptcy records been added to my report, because I never filed for bankruptcy, now or in the past.

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 06/25/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: My family members and I have had a terrible experience with this company. This company has proven that it does not care about its customers. Since it is obvious that I am not going to get any assistance from this company I am writing this in every place that I can think of to help other consumers avoid the mistake that my family made. There are similar companies like XXXX XXXX that will offer you the same services but with a much better outcome. 

My mother sent me a money gram and it was impossible to pick it up. She went to the store and told me that I needed to pick it up within 90 days and that I should pick it up yesterday. At the store she sent it at, they told her that it would not be a problem for me to pick it up yesterday and even if it was after 90 days I could just call MoneyGram and they would assist me with picking it up at whatever time I needed it. 

On yesterday, I went to CVS to pick the money up. I used the kiosk and spoke to a money gram customer service agent ; he was rude and so were all of the other agents I spoke with. Furthermore, he purposely took down my license number incorrectly. He repeated the things that I said so I know that I gave him the right license number. He told me that I would be able to receive the money and to pick it up from the CVS cashier. The CVS cashier told me that I could not receive the money because there was a block on the money and because my license number was written down wrong. So I went back to the kiosk to call the money gram customer service officials again and the individuals kept hanging up. This kept going on for over XXXX hours. I would call, they would hang up immediately, put me on hold, transfer me, give me the wrong information, yell at the CVS store clerk and blame the problem on him, and/or eventually hang up with no assistance to me. There was XXXX guy who was exceptionally rude and he refused to give me his name. He constantly kept hanging up on me. I think his behavior is extremely unprofessional and he should be fired. Basically, I spent hours trying to reach customer service agents and they refused to assist me. The store clerk was there to witness this. I was in a store alone until XXXX and I had to walk back to my apartment by myself ; my elderly XXXX mother who is in a different time zone was up until XXXX in the morning worried about everything. 

I know that this was very unprofessional and just plain rude and they just did not want to release the money. I think that this is unacceptable and something should be done about this. MoneyGram it would be very considerate of you if you realize that your consumers are human and you treat them as such. Furthermore, consumers please be wary of this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Prepaid card (General purpose card) with CARD Corporation (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/16, I filed a dispute and was told I would get dispute form within XXXX hours. On XXXX/XXXX/16, I called because I still had n't gotten form. Was told to wait until XXXX/XXXX/16 and the number to fax form back would be on there. It was not on there when I received on XXXX/XXXX/16. I called and was given fax number. I sent form back and received confirmation. On XXXX/XXXX/16 I called to confirm, they say they still did n't receive and to refax. I sent again and on XXXX I called back and they claim they still did n't receive even if I had gotten confirmation back. I requested supervisor to call back because this was crazy. On XXXX still no call from supervisor, so I called backed. I put up such a fuss I was transferred to CSR Supervisor who informed me that the previous reps had been giving me the wrong fax number. I faxed to number they gave me and I also faxed the XXXX previous confirmation pages as well showing that I had been faxing just in case they say I did n't fax back within 10 days. Time still had passed and they claimed I did n't fax information back in time for provisional credit. They told me I had to wait 45 days for update. Now the 45 days have came and I still do n't have my refund or even a status update. I requested a Supervisor call twice and no Supervisor has returned my call. The reps are very unprofessional and wo n't even attempt to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX in 2008 in full please remove from credit report

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 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A delinquent account not belonging to me was linked to my credit report. The delinquent account belongs to another individual with same first/last name living in the same city as me, but different SSN. When I disputed it with the collection company, their response was that they confirmed that I am a current XXXX Customer which was initiated in XXXX 2012. Additionally, charges incurred in that delinquent account # XXXX date back to XXXX 2012. Neither parties have been cooperative in my attempts to clarify the confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Mortgage (FHA mortgage) with BOGMAN, INC (CT).
Issue: Credit decision / Underwriting

Complaint: I had homesite home owners ins. It was {$2000.00} a year. I had my mortgage company pay my taxes and insurance through an escrow account. I paid {$1500.00} as a fixed price. My taxes have NOT gone up. My PMI has NOT gone up. I changed my insurance company to liberty mutual. My new yearly price is {$1000.00}. When I notified Bogman Inc. of the change, my new monthly payment only went Down {$10.00}. I have called the company 4 times. First speaking to " XXXX '' whom did not help me, then to her manager " XXXX XXXX ''. Who is telling me they have only been paying {$1000.00} a year for my previous years insurance, which is a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX which is with Wells Fargo originally. It is with XXXX XXXX now I paid in full XX/XX/XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called wellsfargo on XXXX XXXX  2017 they said to call XXXX XXXX to do it. XXXX XXXX said the opposite that we 'll fargos has to update it because they were the original lender.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ma 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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2017 RE : CFPB Complaint ID # XXXX XXXX, Equifax XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, 2017 credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX ) approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I attended XXXX Colleges in XXXX and utilized their student loan services. I called the lending institution to put my loan into a deferement as I 'm still in student status, albiet at a different college, and I was informed that there was no such option. The statement clearly says " XXXX Colleges XXXX '' on it, but when you call the customer service number the phone is answered with " Patient Billing Services ''. It appears that XXXX treats their student loans as patient bills and there is no way for me to defer the loan or to lower the interest rate.

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