milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: Hello, we have had our mortgage with citi mortgage for just over two years. Our original mortgage payment has just been increased from XXXX to XXXX for this year. We have a 30 year fixed. Our previous taxes were XXXX due to the star program. The star program ended by the state so instead of applying it monthly we get a lump sum check in the mail each year. Our mortgage company due to star program ending is veiwing our taxes as a shortage in escrow for last year which is fine, I understand our mortgage going up to cover the XXXX extra shortage from last year, our homeowners did increase this year to an extra XXXX per month. However this year our taxes went down by XXXX which we provided proof to citi mortgage. Citi Morgage has raised our mortgage by XXXX per month and they can not explain why. My wife and I have called and we keep getting different answers, none of which make any sense. They refused to provide anything in writing describing their changes. They even agreed that their calculations seemed off but still wo n't change. I understand my mortgage going up XXXX to cover the increase and shortage from last year but they are asking for a " cushion just in case our taxes go up again '' which we provided them proof they have not. I want to pay the fair amount for my mortgage not an extra XXXX dollars because they feel like it. This new payment goes into affect XXXX XXXX I would like this matter resolved as soon as possible and Citi Mortgage to be held accountable for the unexplained charges.

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 10/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Following up on case # XXXX Bank of America has responded via mail date XXXX XXXX, 2016 enclosing multiple copies of the ( 1 ) promissory note and security agreement ( 2 ) Affidavit of lost note. 
( 3 ) Settlement statement and service notice. 

However, they failed to include : ( 1 ) Name of investor/ promissory note holder prior to BofA losing the note and after they lost the note. 
( 2 ) BofA states that they indeed filed a XXXX but did n't include a copy of the document as well as did n't indicate whether it filed for release or not. 
The XXXX system does n't reflect any XXXX ever filed by BofA

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My most recent Experian credit report shows a collections item by XXXX XXXX XXXX which was incorrectly filed against my personal credit. This was a business credit card I had through a bank. I have also never done business with XXXX XXXX XXXX. I believe they purchased this debt from another company It has also been more than 7 years since the original delinquency date and since I last made I last made a payment or there was any activity on the account. I have disputed this item several times and twice within the last few months, but Experian has not removed the item from my reports back to me " The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please review your report for the details. ''

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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made a purchase with XXXX and they did not deliver the goods as promised on the date expected thus items were returned. XXXX continued to charge my card after the items were returned. I disputed these charges with my credit card company and they were initially reversed however they were added back on at a later date.

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 10/25/2015 about Debt collection (Medical) with MERCHANTS ADJUSTMENT SERVICE, INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Recon Trust sent documents that raised more questions what is the actual foreclosure date XXXX XXXX or XXXX XXXX Why was there XXXX Trustee Deeds Upon Sale Recorded The purchaser in XXXX XXXX received a Quit Claim Deed - signed by Notary XXXX XXXX XXXX - document unable to be verified by county recorders notary division - XXXX XXXX XXXX - Certified No Record Found XXXX XXXX XXXX is the same person whom posted Certificate of Posting XXXX ( received by XXXX XXXX in XXXX XXXX my first time seeing notice ) XXXX XXXX XXXX is also the Quit Claim Deed notary to Investor in XXXX XXXX - Certified No Record found appears to be fraud and Void

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 09/23/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: VIOLATION OF FDCPA, TCPA AND DODD-FRANK ACT

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Claimed my debt is XXXX dollars when in fact my debt was closed by the credit card company at XXXX. Pressured me into paying with 5 hours or they were taking me to court and putting a judgement on my credit report. I expressed to them I had no knowledge of the debt and today was the first I 've heard of such debt. They refused to disclose any information regarding the debt. Statements and also gave me wrong dates as to when the credit card was opened and closed. Making me think this debt was newer than it actually was. Told email I would n't be able to take out a mortgage loan if I did n't pay today. I called chase bank and verified all information which was wromg. They told me they were authorized by chase bank to pull my credit report but chase bank told me that they can not do that. They illegally obtained a copy of my credit report and used it against me.i felt bullied and pushed into a corner. I would have paid this bogus debt if it was n't for my gut instinct. ATTACHED you will fined the final bank statement from. CHASE bank with the original close debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I hope you can help me with settling the matter related to a continuing balance on our account for the XXXX charge cards referenced above. We 've have been trying to resolve this matter for more than six months but without any success. 

On XXXX XXXX, 2016 in excess of {$3000.00} was charged to our MasterCard ending in XXXX in a single day - actually - in a single afternoon. These were fraudulent charges made by an unknown user - they were not made by us, nor had we authorized anyone outside of our family to use our card. We only learned of these charges when over {$3000.00} in charges had been accumulated and when I received a phone call from Citibank asking for verification for a {$2400.00} purchase. The Citibank fraud investigator that I spoke with was very cordial and helpful. After I indicated that we did not make the {$2400.00} charge he indicated that we were likely the victim of a security breach. I then asked him for details on any other charges made that day and we worked through identifying several additional charges from that day 's activity that we did not make. He assured me that all of the charges would be removed immediately and a new card would be issued. 

Unfortunately, it was not until XXXX, 2016, after repeated phone calls and email messages, that all of the illegal charges were finally removed from our account. I am truly both exhausted and frustrated by the amount of time it has taken to resolve this matter. In fact, our family has not used the card to make a single purchase since XXXX XXXX, 2016. 
As I write this, there is a balance of {$270.00} about which I have made numerous phone calls to Citibank Customer Service. All toll since XXXX, 2016, I have easily spent more than 8 hours of my time desperately trying to get this matter resolved in a timely matter but to no avail.

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 12/29/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: USAA called me repeatedly on the following days despite my debt consolidation companyh working with their settlement department ( seperate ticket XXXX ). 

Days include : XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX, XXXX, and XXXX ), XXXX XXXX ( at XXXX and XXXX ). 

As per previous ticket, I did inform them to work with the consolidation firm. I 've also, admittedly very angrily, informed them of the Fair Debt Collection Practices Act which states that they may not harrass by calling multiple times in the same day. 

Also stated on the previous ticket, I spoke to a manager and he sent a message to the team for them to contact me at a specific time and day to sort this out and have XXXX XXXX on the phone. They did not call at the specified time/day ( XXXX XXXX XXXX, XXXX ) or the day after. Then they called again on XXXX ( today ) .This leads me to beleive that theyh do n't want to work with me on the debt, but just to harrass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a student at the XXXX in XXXX Texas I was affected by the sudden closure of the school that took place on XX/XX/2016. I was a new student my start date was XX/XX/2016 I was in my words " conned '' into signing a private school loan for the total of {$14000.00} with a XXXX % interest rate from a private loan company ASFG ( American Student Financial Group ) also known as XXXX of XXXX. I have been in contact with several women at the ASFG office XXXX on trying to have this loan cleared as I feel they have breached the contract but keep getting no answers and only being told I have to repay all the money and interest. I was only in school for XXXX weeks which was a total of XXXX school days I received nothing at all from XXXX of XXXX. I did not get to finish my first term due to the school closure. There for I was told I did not get any credit for my time nor did I qualify for transcripts due to not finishing my first term so I get no credit and no transcripts. I am being left with nothing but this loan I feel as if I am being robbed I have nothing to show for this loan but tears and stress this can not be okay. I am now receiving debt warning letters from a company named XXXX ( XXXX ) stating I am defaulting my loan obligations and need to repay this loan and interest. I made a total for XXXX payments when I was an active student the first was for {$100.00} and the second was for {$150.00} I have receipts and all fitting documents of my time of enrollment the ASFG company continues to tell me that this is my problem and obligation. I am reaching out for help or some guidance on what I can do to help clear this loan this can not be okay please help me. 
Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with ERC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I saw Enhanced Recovery Company on my credit report so i called on XXXX XXXX to pay the bill of {$230.00} and have a pay to delete letter sent to the credit reporting agencies. The payment was submitted. After a week i called back because they had still not taken the funds out of my account. I was told everything was fine and that it should be taken out shortly. 3 weeks after that i called back to be told that the payment was n't processed due to insufficient funds when there was more than enough money in the account to process the payment. When i attempted to give the payment information to pay again they refused to take down my payment information or send a letter out to the credit reporting agencies for a pay to delete as previously negotiated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : 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 non-monetary relief
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order I C SYSTEMS COLLECTIONS to make recompense and pay redress and compensation for their trespass against me. I C SYSTEMS COLLECTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

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 10/24/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Contacted WellsFargo on XX/XX/XXXX to fix problem I noticed.

They said 2-3 days to fix Received collection call next day. XX/XX/XXXX Spoke to executive office. They called would for sure stop. And problem being worked on.

XX/XX/XXXX received another collection call.

Problem still not resolved.

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 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband died on XXXX XXXX I get behind few payments and send to Forclosure on XXXX XXXX the Florida hardest hit pay to My mortgage company {$38000.00} to bring my account current but after they get the money they double my payments and fees from {$1400.00} to {$3200.00} I have proof of what I m saying I went to a court Forclosure day and the judge grant me a motion to compel because the mortgage company do n't want to cooperate with me and I ca n't afford an attorney, I 'm a head of the house my Daugther XXXX and XXXX veterans depends on me, I have proof the Green Tree take vantage of me and they denied to review my account or scrows, I applied for a loan modification and they denied with out letters and close my application for missing documents, lately they do n't want to give me any letter everything is with Phone calls the I make.I can make payments reasonable payments, they took {$38000.00} from a government agency and lie to me, I have documentation to prove. GreenbTree LLC my mortgage is XXXX XXXX XXXX died / XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
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: Was not notified of investigation status or results

Complaint: I HAVE DISPUTED WITH EXPERIAN CREDIT BUREAU THE ACCURACY OF THE PUBLIC RECORDS ON MY CREDIT REPORT. 
I REQUESTED THAT THEY DISPUTE THE VERIFICATION OF ACCOUNT, ADDRESS, PHONE, LAWYERS NAME AND THE DETAILED METHOD OF INVESTIGATION AND A COPY OF THE BANKRUPTCY DOCUMENTS. 
THE NEVER SENT THE REQUEST AFTER XXXX DISPUTES. ON XXXX XXXX IT WAS OVER 30 DAYS SO THEY DELETED THE XXXX PUBLIC RECORDS, WHICH WAS BANKRUPTCY XXXX. THE XXXX THE PUBLIC RECORDS ON XXXX/XXXX/XXXX AND DID NOT PROVIDE A REINSERTION NOTICE WHICH IS REQUIRED BY THE FCRA NOR DID THEY VERIFIED THE DISPUTED IN ANY OF THE XXXX RECORDED DISPUTES. THE FCRA SAYS IF THE ITEMS ARE NOT VERIFIED WITHIN 30 DAYS, THEY MUST BE DELETED. THERE IS ALSO WILLFUL NEGLIGENCE FOR PURPOSELY NOT PROVIDING THE DOCUMENTS REQUESTED

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 10/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Currently I am a New Jersey home owner facing difficulty involving my mortgage company in obtaining a loan modification. This all started in 2011 when the present mortgage company purchased my loan. After continuous failure to achieve this goal and contacting various credit counseling agencies for assistance they continuously keep dragging their feet and finding loop holes. The latest issue is having their appraisal company perform an appraisal on my property, whose composites where more than half a mile or better away and valued at less than half of another reputable realty company with composites in my immediate area.

Company response to consumer: Closed with explanation