milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (IL).
Issue: Application, originator, mortgage broker

Complaint: My wife and I are to over whelmed with the excuses Citi mortgage has gave us, in order to not assist our loan.We have applied for a government modification many times and Citi mortgage has done everything in there power to pro-long my loan further more behind. In 2012 I received a notice from Citi mortgage stating I was eligible for the Clarity Commitment modification or the National Mortgage Settlement modification based on the national settlement from the lawsuit filed against Citi mortgage. However I never received an approval or denial. We are extremely concern because no one ever returns our calls to give any update. We are willing to negotiate with my investor XXXX and with Citi Mortgage to come with an agreement and therefore we can keep our house.

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 08/16/2017 about Debt collection (Other debt) with The Phoenix Recovery Group (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Last Reported XX/XX/XXXX Collection Agency PHOENIX RECOVERY GROUP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3000.00} High Balance {$3000.00} Remarks Account information disputed by consumer, meets FCRA requirements I have disputed this debt several times through email correspondence with the company, in addition to the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. 

The latest issue - the customer service folks are not even aware of the correct XXXX XXXX #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. 

The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. 

I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. 

This is so careless mistake by the customer service. 
XXXX has a usual habit or pattern of making simple things complex. Moreover XXXX has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank.

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 10/30/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I AM TRYING TO GET wELLS fARGO TO DROP OR DECREASE MY MONTHLY MORTGAGE INSURANCE PAYMENTS. I WAS SENT XXXX LETTERS THAT GAVE ME THE RUNAROUND AND THEY WILL NOT RETURN MY CALLS. TO TOP IT OFF, A WEEK LATER I RECEIVED AN OVERNIGHT FROM A XXXX PARTY I COULD ONLY ASSUME WAS LED ON BY WELLS FARGO WITH REGARDS TO FHA MI REDUCTION. I CALLED THE COMPANY WHO WAS JUST A MORTGAGE BROKER HOUSE TRYING TO GET ME TO DO AN FHA STREAMLINE REFINANCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today I pulled my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into any contractual agreement with them stating that I would pay them for any services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: I have an account with Coinbase, a cryptocurrency exchange, and have been trying to sell my positions and close my account for close to a month now with no avail. I have Bitcoin, Etherum & Litecoins within the online system and am unable to " sell '' them and " cash out. '' Each and everytime i do this, the system prompts me that " additional informaiton is needed to verify my identity, and to go to 'coinbase.com/XXXX ' to do so '' when i go to the address and answer the personal questions they prompt me with, the system denies my entries and i get stuck in this loop where it keeps asking me to verify identity and does not allow me to sell. Basically, they keep asking me to verify identity and after I answer their questions, they tell me my answers " are wrong. '' The shady part is that I have already verified my identity, both via questions and by providing my ID ; furthermore, I have succesfully bought and sold on this website since 2015 when traffic must have been less. It is only recently that I have been " shut out. '' I have contacted their customer service phone line 5 times, each time being placed on hold for hours with no representative picking up. I have tried their online support system and have submitted requests to " close my account and cash out '' 5 times with no response. Basically i am being ignored and my money is tied up. 

Of mention, I started this process when my account has over $ 19K in it, it has since dropped to $ XXXX and i am still stuck. All i want to do is close my account, and collect my proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I was solicited by Capital One 360 to open a Checking account, as an existing credit card customer. The terms ( as captured by a screen shot of the offer ), were for a bonus of {$300.00} to be deposited to my checking account after receiving two direct deposits of {$250.00} or more ( each ) within 60 days. After receiving two ACH deposits of {$250.00} ( each ) into my account, I checked with the bank by phone, and a representative confirmed that the requirements had been met, and that the deposit would be made within the next month to two. When I followed up with the bank, I was again told that the requirements had been met, but sometimes it took longer for the bonus to be received. When I contacted the bank again on XXXX XXXX via chat, I was told that the offer was in fact only {$100.00} ( which, according to the representative was recorded to my account ), and that the two ACH deposits did not meet the requirements of being " direct deposits ''. 

Capital One 360 clearly makes no effort to proactively deposit the " bonus '' offers they use to entice customers, and probably owes their customers a great deal of money, in addition to using illegal ( if not borderline ) practices in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (VA).
Issue: Managing the loan or lease

Complaint: I had a lease with Ally Financial for a 2012 XXXX. The lease payments were made in a timely manner and the vehicle was returned. There was damage and that was paid timely. There arose a dispute about the return of headphones with the vehicle in the amount of {$110.00}. That dispute continued for months with correspondence being exchanged. Eventually it wasnt worth it so the balance was paid. Ally reports now the {$640.00} was charged off, while at the same time saying that the account is paid in full. The charge off is affecting my credit. I have disputed it with XXXX but they have denied it because of Ally. I have contacted Ally who confirms the account is paid in full but they refuse to change the charge off. It is absurd to say they charged it off, the incorrect amount to begin with, and then acknowledge that the acoount has been satisfied.

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 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from Transunion and XXXX. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were FOURTEEN YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted XXXX and Transunion and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with Transunion and XXXX on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

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 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i need help with repayment plans and ca n't get help from customer service

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with KBHS Home Loans, LLC (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am reporting XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Originator for false and deceptive practices and for harassment. XXXX has emailed and called me multiple times stating that he needs documents from me to complete a mortgage loan application of which I never applied to or agreed. XXXX and/or his team members emailed and left voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting financial documents. I notified XXXX via email on XX/XX/XXXX to stop contacting me because I am getting a loan with XXXX XXXX XXXX He and his team continues to contact me requesting documents in order for my loan to be approved after my written request. I am getting harassed by XXXX. He is not respecting my request to stop contacting me to complete a loan mortgage application.

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 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: 1. I settled a loan from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to remove account. I sent copy of letter of settlement from XXXX XXXX XXXX XXXX to Transunion, XXXX and XXXX. However, account was not removed or updated. 
2. All credit reporting companies are reporting an account from XXXX. I have never dealt with this company. I paid off XXXX XXXX XXXX and I have no balance. However, Investment retrievers have kept reporting negative information on my credit file. 
This is inaccurate information has adversely affected my credit score. The credit reporting companies are not following the federal Fair Credit Reporting Act ( FCRA ) which requires them to report accurate information.

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 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Benuck & Rainey, Inc. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I spoke with a representative at XXXX because person by the name of XXXX called my XXXX year old mother and asked if I live there. My mother, who has XXXX, said yes and he gave her his information to call him. He called XX/XX/XXXX to tell my mother I had an outstanding debt of {$110.00}. When I got home one night at the beginning of the month she stated that she gave someone her credit card to pay this debt. I did not put two and two together till this morning. When I contacted them at XXXX and requested XXXX , a young lady answered the phone and when I explained the situation and she could not help me I asked for a supervisor. It was at this time I realized what was happening. This supervisor by the name of XXXX, XXXX??? I 'm sorry I ca n't remember ... maybe XXXX or XXXX ... she told me that she spoke with me, on XXXX XXXX, and I told her that she should call my mother, I apparently gave this debt collector my XXXX year old mother 's name and she would pay the bill. It was then I realzed my mother gave them her credit card number to pay them XXXX on XXXX XXXX. I never, ever spoke to this women and I believe they lied to her, scammed her and here we are today. I can pull my phone records to prove I never spoke to this supervisor. I can also tell you the young lady I spoke was XXXX and the other rep was XXXX and I know XXXX knows the supervsors name. The reason the debt was never paid on XX/XX/2016 is because my mom must have transposed a number because the pmt did not got through. They sent me an email saying they had a problem with the card however I deleted it because I had no idea what they were referring to until this morning when I put it all together..NOW THAT 'S KARMA..just saying ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with MANHATTAN FINANCIAL GROUP, INC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Applied for a Mortgage loan with Manhattan Financial Group got approved with a loan account number XXXX, paid 1st Payment on XX/XX/2016 for a due date of XX/XX/2016. They sent a letter stating that my loan has been sold to new lender XXXX home loans on XX/XX/2016 and the XX/XX/2016 payment should go to the new lender and not to them. My check to Manhattan Financial Group was cashed by them on XX/XX/2016. They are obligated to send this money to new lender instead they kept this money with them. I sent several mails with no response from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Settlement process and costs

Complaint: Ocwen loan servicing company approved a loan re modification without my knowledge and without my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious.
Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. By not responding and postponing the sale date the lender is not allowing an adequate review and assistance to be provided to the client

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 06/16/2015 about Debt collection (I do not know) with R&R Professional Recovery, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently obtained my credit report and see XXXX companies are claiming I owe money ; R & R professional Recovery XXXX. I sent a validation of debt letter by certified mail to each collection agency. Instead of sending me the evidence that I owe an alleged debt R & R Professional Recovery reported me again as of XXXX/XXXX/15 which has negatively impacted my credit score by XXXX points. I have never received anything prior to this and when I ask for them to prove I owe the debt they IGNORE request and continue to bring my score down! Please investigate this crooked company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Debt collection (Medical) with Commercial Trade, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the last few years I have attempted to pay this debt and get more information. The debt amount is always different each time I call. The manager refuses to send me more information on this increasing amount of debt on my credit report. I made my last attempt to take care of these items on my credit report from the same debt collector. On XXXX/XXXX/XXXX at XXXX : I called and asked to speak to a manager. XXXX claimed to be the manager. I asked her for more information on this money that I owe of XXXX or XXXX. XXXX quoted " XXXX, '' and stated that she could not give me information. She stated I owed XXXX+ dollars and not the XXXX, XXXX dollar charges on my experian credit report. I told her that I want to take care of this but I ca n't pay XXXX dollars to Commercial Trade Bureau if I do n't know what its for! She told me she recalled me calling before and the answer is still the same that she ca n't give me any information on the account. She is rude and unprofessional when I asked for her last name she hung up on me! I got no information. I have been disputing this for the few years and it 's still on my credit report. The information is conflicting with the XXXX credit bureau, the commercial trade and what I have. This is suppose to fall off XXXX XXXX but now XXXX is stating that it was pushed back to XXXX XXXX. I ca n't get any information from the original holder at the clinic. XXXX mocked me and stated that she does n't care that " it will just stay on my credit report '' I have no Idea why I owe XXXX dollars to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief