milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This is what happened. Citi mortgage has had us listed as an FHA loan, and we paid Citi Mortgage FHA insurance on a government fixed loan we thought we had. We ran into some financial difficulty a few years back, and got behind XXXX payments. We asked Citi for help, and they claimed they were going to modify our loan via the FHA Hamp 2 program. However, after alot of run around, submitting redundant paperwork ( even though on their statements say they keep the paperwork on file for 60-90 days ), we were still denied the FHA modification because we did not meet FHA guidelines. We were also not allowed to make our monthly payments while we were in this process either. In the beginning we, were only XXXX payments behind, at the end it was XXXX. They did put us on a payment plan for 3 months, which we made in FULL and on time, yet were still denied a an FHA modification. We ultimately had to file for bankruptcy to save our home, we felt they were trying to purposefully foreclose. We decided to give FHA and HUD a call, and they informed us our FHA number was never active and have not received any funds from Citi Mortgage over the years. We received our loan in XX/XX/XXXX as an FHA loan, and paid in FHA money that is on our statements, FHA claims they never received any funds because our FHA loan status was never activated due to lack of receiving packet from Mortgage company. Also, our old statements say " Government Fixed ''. Citi Mortgage still says our loan is FHA and puts our FHA number on our loan papers today. We started researching the matter and there are XXXX of people around the nation with the exact same issue, and Citi is doing the exact same thing to them. How could Citi be pursuing a FHA loan modification with an inactive FHA number? We still make our house payments today, but also have to pay a trustee {$650.00} a month, for something that we are not at fault for. Not to mention, Citi has never actually told our lawyers exactly what we were behind in payments, so they are guestimate payments at best, and they have added the missed payments onto our loan, where it appears we have taken out a XXXX mortgage! Which we have not. We have been in bankruptcy for over 2.5 years now, and it is been very difficult to say the least to maintain. We have 2.5 more years. When we were behind just XXXX payments, we should have received a FHA Loan Modification, However, due to the negligence and oversight of Citi Mortgage, we have had to deal with much greater financial and physical hardship. We understand Citi Mortgage has engaged in FHA fraud in the past, and would like help in determining if this is what has occurred with our loan. We also hope this helps many others whom are getting the run around and/or possible fraud from Citi to be helped with this as well. It has created many problems for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is against the co mpany " Transworld Systems ''.      Currently, they are reporting that I owe them a total of {$1400.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     Why did they not send me a notice of my right to dispute this debt before they reported it to my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of  XXXX   2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have attempted multiple times to get an invalid collection removed from Equifax and   XXXX   (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly bil led ( 2 bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ...  XXXX  removed one of the bills, but not the other. Both bills should be removed. Equifax has not removed them at all, and keep stating they are valid- which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I also want you the cfpb to know that I did a deposition for a lawyer out of texas, he is defending XXXX whistle blowers that use to work for ocwen and I came across some very interesting emails from ocwen laughing and joking at our situation.. a lady named XXXX XXXX and another lady lol with smiley faces one asking the other to get us a mod and the other one saying like that will ever happen lol with a smiley face at the end ... but since you guys have let them do this to my family since 2011 you probably think its funny too ... thas fine and now the have XXXX to foreclose on us right after our deposition and they are the ones making a joke of it ... that 's ok its things like this that make our cases bc no one else cares and that 's the truth ... shame on you cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax have now updated my report since XXXX of 2016 i purchased XXXX different reports with the same information with no updates on it and old score they claimed i have a large file and it been split into XXXX the items that have been deleted came back on there due to identity theft they have police report on file copy of my social and a utility bill my whole complete credit file is incorrect every time i call they delete something and they lady asking me what 's my accounts my whole file is a mess i want to file a law suit on this

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account XXXX XXXX XXXX was included in Bankruptcy Ch. XXXX in XXXX XXXX, and was properly discharged in XXXX XXXX through the bankruptcy plan. It has been over 7 years since the account was first reported " charged off '' in XXXX XXXX to Experian. The account was suppose to be removed in XXXX XXXX. However, it still remains on my credit report and states that it will not be removed until XXXX XXXX. I tried to upload additional documents proving that this account was included in Bankruptcy and was properly discharged. However, Experian failed my upload process ( I have tried several times ), and I was unable to upload the documents. Experian also denied me my right to dispute this account again with additional documents. Attached are the proof that the account was included in bankruptcy plan and the bankruptcy discharge order signed by the federal judge. Also I am submitting here a copy of my credit report from Experian from XXXX, stating the correct date when the account was to be removed from my credit report. As of right now, the Experian incorrectly reflects the date of XXXX XXXX as the date when XXXX account was included in Bankruptcy. I would like for Experian to remove this account as soon as possible from my credit history because it has been over 7 years since the first time the account was reported delinquent. Experian actions are detrimental to my ability to obtain new credit on the favorable terms. I will have no choice but to resort to legal actions, if Experian does not remove this XXXX account from my credit report immediately.

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 02/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: My checking account with JP Morgan Chase has been manipulated for years now. On XXXX/XXXX/16 my account balance was {$580.00}, with a pending ACH transactions of {$120.00} and {$20.00}, XXXX/XXXX/16 account balance was {$510.00} with pending {$60.00}, {$100.00}, {$25.00}, with check # XXXX for {$290.00} out for payment. ACH transaction of {$120.00}, {$60.00} {$100.00} and {$25.00} was paid, which left a balance of {$190.00} that was showing on XXXX/XXXX/16 as the balance in the account. Same balance was on the account at XXXX am on XXXX by XXXX XXXX my alert on the account said I was overdrawn {$190.00} all the ACH transactions that was cleared the day before, suddenly reappeared the next day triggering a negative balance, that incurred ( XXXX ) overdrawn fee. Chase manipulated my account after the check came in on the XXXX/XXXX/16, by erasing the {$190.00} balance so they could sub-batch all transaction from high to low to maximize their fee. Now all the transaction were now showing they came in on XXXX/XXXX/16 so could justify their fee, erispective of how these were posted. I am fed up of big banks manipulation of customers that does not carry huge balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a line of credit with HSBC way back XX/XX/XXXX. Last XX/XX/XXXX, I went to HSBC 's XXXX XXXX XXXX ( XXXX XXXX ) to close this account. After a few months, I just realized that the account was not closed. I DID NOT receive any form of notification ( email, letter, phone call ). Not knowing about this account still open and just knew about the balance, I immediately paid HSBC. This company not closing the account and not letting me know had caused my credit rating to drop! I called HSBC last XX/XX/XXXX and also went back to the branch last XX/XX/XXXX to resolve this issue but HSBC refused to help. 
If I only knew about the balance. If only I was notified, and if only this account was closed the day I requested them to close it, then I would n't have this conundrum. When I went to the HSBC branch in XXXX XXXX XX/XX/XXXX, they realized that they have an incorrect email address. I would have paid whatever balance is owing in a heartbeat if I was notified. I 've had HSBC since XX/XX/XXXX and had two accounts with them, a revolving account and a line of credit. I never imagine myself ever having this issue and being financially affected by a company I 've had an account with for more or less TEN YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (MS).
Issue: Managing the loan or lease

Complaint: I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with Mandarich Law Group, LLP (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Client and XXXX XXXX XXXX satisfied debt per agreement and Debt Collection Company was supposed to file Satisfaction of Lien with court but never did. They told me ( client 's attorney ) over the phone that they did send the sanctification of lien into the court but that was not true. They later told me over the phone was not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had a credit score and was alway paying my bill just great, until my idenity was stolen XX/XX/2016. I have closed 3 bank accounts -- as in closed -opened new one etc. My mail, my email, my ss cards, college transcripts, passport, passwords etc. all information stolen. My credit score dropped to XXXX. taxes are on hold now. I started a new job too during this. I am broke and working in XXXX XXXX XXXX. I have many charges which is not me. Thank you, XXXX XXXX Some person or people are being me and using my idenity while I struggle to start over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: While checking my Credit/Score Report from Experian I came to notice missed information and I decided to complaint. 
I were reading " Concerning what's hurting my Score? " - " Short Account History " : Experian refers credit History within 25 years helps for a better score and mine are only 19 years 4 months, I came to figure out while blinked my left eye and start laugh on that, well came in my mind more then that. 
My question to this ; does Experian manipulates or try consumers look foolish? 
Well, I may offer my help to remember Experian the following : I purchased a house in XX/XX/XXXXat XXXX XXXX XXXX, XXXX XXXX RI XXXX, payment mortgage to XXXX XXXX XXXX, XXXX MA, I purchased a new car year XX/XX/XXXX, a XXXX XXXX and payments to XXXX. 
Well, even taking the latest date XX/XX/XXXX+ 25 = year XXXX, more then 25 years to present date, isn't true????? 

- " Seeking Credit " : How many do refused to open an account/card when shopping and the Commercial Retail are inviting consumer to have their own card from store. 
Experian does supply a report without be register as an hard inquire? or Experian does contradict the fact " more credit more power '', isn't true? 

- " Serious Delinquency " : One account within 60 days payment due. It is if Experian wants to prevail what are considerate wrong on their point of view that others 2 Credit Report Agencies don't see. When Experian does not want accept proves that all process are mislead. 

Enough reasons to ask, are Experian a honest or trustful credit report agency, does manipulate reports within second intentions, or a joke? I have my own judgment!!!

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 05/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Dovenmuehle Mortgage Inc. We had a escrow/impound account set up which taxes and insurance were to be paid out of. 
On both issues they dropped the ball never did they pay both taxes andinsurance on time. We became delinquent and had to pay for these out of pocketand now wait to be reimbursed. They sat on our $ and drew interest. Wrong! 
Whats the point of setting up a impound account?? This firm is shady andnever does what they tell you via email or phone that they will do. I incurredlate fees and spent countless hours on the phone to try and remedy everything.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 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: I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, Equifax, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX.
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving letters from Midland Credit Management for a XXXX XXXX Account that is not mine. I have sent XXXX different letters to them stating it 's not mine and they have not stop harassing me. I do n't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Late fee

Complaint: When making online, through personal bank, payments to my XXXX mother 's Walmart/Synchrony credit card account ( 9 payments in 6 months ) I opened her latest bill/statement to see a late fee, and another for this month. After calling customer service, basically I was told some of the payments were made too early. No wonder Walmart and the credit card companies continue to rack up huge profits. I do not have this issue with my accounts and am wondering if this is appropriate way of business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2016 about Debt collection (I do not know) with Oracle Financial Group LLC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This probably falls under numerous categories. The copied message below is a transcript from my voicemail system of the voicemail he left me yesterday. 

" Just wan na call a wan na (? ) call only is for XXXX XXXX XXXX (? ) birthday XX/XX/XXXX. XXXX XXXX (? ) XXXX and XXXX. My name is XXXX XXXX. I work for the attorney 's offices of Oracle Group fraud litigation apartment and we do work for XXXX XXXX County Court. So you have some very very serious allegations on my desk unless you call us all-this (? ) is by noon Pacific standard Time today Wednesday XXXX XXXX you 're gon na have to retain attorney XXXX XXXX. You also gon na be served papers to the XXXX XXXX County Sheriff 's Department at your place of employment just as simple sir and I 'm pretty sure your employers will not be happy and per federal law sorry I 'm not allowed to leave you any other information. I really was n't he was supposed to give you a call sir but at the pool (? ) at the present moment you have no type of record on your social security number that I can see how this is XXXX XXXX. You call XXXX XXXX immediately sir. I just maybe I get rid of these allegations. My direct line sir XXXX XXXX. You need to reference citation number for the State of California one call me. Citation number XXXX. That 's XXXX. You have been notified sir. "

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief