milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Previous to this complaint I had lodged one other complaint directly to the CFPB. That complaint was Case Number # XXXX. The second complaint came through the SEC as complaint Case Number # XXXX. In New Jersey, the court system is corrupt and XXXX XXXX XXXX XXXX XXXX has garnished favor from the court system to run roughshod over the state producing an effective foreclosure mill that should be investigated by the highest members of state. I have personally run across members of lawfirms that have given up fighting the corruption because the banks represent huge power structures whose poison has infected sound and fair judicial decisions. The status quo in New Jersey is now, push foreclosures through the system as quickly as possible to secure the hard asset, and deal with whatever circumstances at a later date, should that happen to be the case. I highly doubted the CFPB was going to do more in either case than to bring the parties together in an effort to broker a deal. This was not my initial stance. The initial position was for Citimortgage to produce the wet ink document. Without such, there was no case to negotiate. The CFPB contacted Citimortgage under the guise of negotiator, and Citimortgage was allowed to play games and play innocent to secure a position of negotiation. Because of this, a sheriff 's sale was scheduled on XXXX/XXXX/2015, but I have submitted a two week delay for a new date of XXXX/XXXX/2015. How the above mentioned lawfirm got to such a quick sale date still mystifies me, as I had checked the website for sales, and up until a few weeks ago, property sales were locked in until XXXX XXXX, and my property was not even on the ledger. I am currently exercising my options as to remedy this issue. This notice serves as a notation by me to the CFPB as a footnote to future legal settlements. I do not expect the CFPB do much more than what they have already done. I will submit, that I want a documented complaint in which I state in the strongest language, the absolute sinister behavior of the system of jurisdiction and its group of minions who seek the destruction of the average American family. Because these matters are usually addressed in greater detail over time, should this matter come up in the future, let this submission stand, that I have stated beyond a reasonable doubt of corruption, and acts of enrichment, while professionals of law had to sit idly by to watch the perversion of the law and its decimation by the corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with STEWART INFORMATION SERVICES (MD).
Issue: Settlement process and costs

Complaint: My title company, Stewart Title, came back to me 30 days or so after settlement and said that my deed had been rejected from the county because of insufficient funds for taxes. The title guy tells me I have to pay the amount ( {$710.00} ) or the deed will not be processed. Basically they screwed up my HUD 1 cost sheet, and now I owe more money than I initially planned for. They are not offering any discount or even apology. What is my responsibility? Do I have to pay? Is n't the title company responsible for " getting it right '' at settlement? Is n't that why I pay them the title fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Mortgage debt) with RUOFF MORTGAGE (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: BETWEEN XXXX XXXX OJ XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX WAS HACKED AFTER APPYING FOR A HOME MORTGAGE. ALSO GOT CAALS AND E-MAIL FROM FRAUDULENT SCAMM 'S ( SEE ATTACHED. 

THIS ALL HAPPENED WITH XXXX CREDIT PROFILE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The owners of business # 1, myself and my wife, were in the process of buying business # 2 in XXXX. We completed this process in XX/XX/XXXX. Last year American Express ( AmEx ) authorized a " pay over time '' feature for Business # 1 's AmEx. Business # 1 informed AmEx their balance would get substantially higher due to attorney fees and other fees related to purchasing the new business. AmEx informed B # 1 by phone that this was fine and there was no limit on the card, and even tested a $ XXXX transaction saying the test transaction was not declined. In XX/XX/XXXX B # 1 informed AmEx it was closing on B # 2 and would only put a few more expenses on the card, then begin paying the debt down via the " pay over time '' feature which was given. In XXXX, XXXX, or XXXX, AmEX suspended the " pay over time '' feature, causing the B # 1 bill to spike from $ XXXX $ XXXX to $ XXXX. Before the payment was due, I called AmEx to explain that we would not be able to pay the $ XXXX, which were transactions after the unannounced " pay over time '' feature. AmEx said to wait until the payment was due, then call customer service to re-explain the situation. Since XXXX of this year, B # 1 has been making small payments to AmEx and seeking smaller payment plan options without closing the account. The problem would never been a problem if the " pay over time '' feature was n't removed. That is the single reason payments became delinquent. AmEx explained to me that the feature was removed as " protection '' for me due to the credit bereau 's reports about my high credit to debt ration. I said it did the opposite and made it impossible for me to catch back up. As of XXXX XXXX, I told AmEx I needed a payment plan without closing the card, since the only reason we fell behind was due to the " pay over time '' feature being suspended. I told them I could make larger payments which still were smaller than the minimum amount due if they would n't close my card. AmEx could not offer any guarantee that they would not close my card. So I am stuck in a situation where I can continue making payments all without the guarantee that they would not close my card. If they close my card, it hurts my credit and lose over 70k of rewards points attached to the card. On top of this, I have another account with AmEx for the new business where payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Unsolicited issuance of credit card

Complaint: I have received a credit card online from XXXX that I can not use it on it 's website, and had no way to cancel the card. The phone number on the back of the card does not reach a credit card company, it got to a company that sells cosmetic products. XXXX. And no matter how I tried I can not reach a person in the credit card company to cancel it.

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 03/14/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Problems caused by my funds being low

Complaint: i tried to apply for a loan and was told i had a returned check for {$25.00}. i applied at the only bank i use and they know ive never had a returned check so we are both cconfused as to why this is on my report? i also contacted the supposed place i had the returned check and they looked into their records for this time frame and they have no record of any returned checks. this is an obvious error.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX  XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 10/29/2015 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: I had a return check that resulted in a over draft return fee. Then i forgot to remove my auto pay billing and got hit with another overdraft return ach fee. They never paid any of those payments and now i owe the bank XXXX just in fees. I called and tried to talk to them & gave them my situation. Im a poor college student and I didnt plan on all this happening. No help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a hard inquiry on my credit report from XXXX. I do not know or have I authorized such inquiries! Please take this off my report as soon as possible! Thank you! 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am an elderly woman trying to get my loan caught up, trying to get a modification for the last 12 months with Wells Fargo. Every week they ask me for new stuff, after I send everything they ask. All of this faxing and overnighting paperwork has been very expensive and very hard for me. I have also spent over {$200.00} getting profit and loss statements from my son 's accountant, but they keep asking for more. I do XXXX sales as a side business to generate income besides my fixed income. I am only trying to save my house and they are making it XXXX. Here is the email last week I got from Wells Fargo asking for documents and I ca n't even believe it. My son wo n't be back for 2 weeks and I do n't know how I am going to find a ride all around town to get all of these things, when what I have already sent should have been plenty! I need some help Wells Fargo will not help me! 
Email from XXXX XXXX at Wells Fargo dated XX/XX/XXXX : ***MISSING INCOME DOCUMENTS** 1. Contact from borrower directly to obtain verbal clarification that she is requesting a modification. - MY XXXX TOLD ME THE RMA ALREADY SUFFICES AS PROOF THAT WE ARE REQUESTING A MODIFICATION, AS WELL AS MY HARDSHIP LETTER 2. Completed Request for Mortgage Assistance to be signed by the borrower at a Wells Fargo branch office and notarized by a Wells Fargo employee. This signed RMA must be faxed directly from a Wells Fargo Team Member in the branch. - I AM XXXX. THIS IS AN UNNECESSARY DELAY! 

3. Transaction history for the past 3 months for business transactions. This must be provided directly from XXXX. 
- I DO N'T EVEN KNOW HOW TO GET THIS! I CA N'T CALL XXXX TO HAVE ANYONE SEND IT DIRECTLY ... I DO N'T KNOW WHAT TO DO. MY COUNSELOR SAYS THIS IS NOT NECESSARY BECAUSE I PAID MY ACCOUNTANT EVERY TIME THEY ASK ME FOR A NEW P & L AND THAT DOES N'T WORK, NOW THEY ARE ASKING FOR THIS! 

Please help us. My counselor has tried very hard to help me get through this but we keep hitting a roadblock. I give my formal consent for Wells Fargo to speak with XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX regarding this matter, I am attaching it in writing also as well as my ENTIRE packet of documents that were ever submitted to Wells Fargo. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection on my XXXX credit report. When I sent Franklin Collection Services a letter about it they sent me a letter for the item listed. It has the last four of my SSN but the name on the debt does not belong to me. I want this removed immediately. Please see all attached docs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Federal student loan debt) with Immediate Credit Recovery (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or around XX/XX/XXXX I received a call from Immediate Credit Recovery advising that they were initiating wage garnishment and recently mailed a letter to my home address ; I advised the agent that I was willing to make voluntary payments to avoid garnishment and ask the agent what address the letter was mailed to as the letter was not received. She confirmed the letter was mailed to my home address, when I ask if she could resend ( so I can understand the letter content and what options, if any are available to me ) she indicated that XXXX had fulfilled their obligation by mailing it and that they are not responsible for USPS. The agent proceeded to collect personal and financial information - after approx. 20 minutes on the call I had to leave, as I was at work. The agent indicated that her office hours were M-F, XXXXEDT ( which are the same as mine ). I request the agent provide her contact information ( XXXX ) and callback at XXXX to finish the call - I did not receive a callback, nor was I able to reach the agent when I attempted to return the call. I have since made multiple attempts between XXXX and XXXX and also leaving voicemails for the agent. If my recollection of my conversation in XX/XX/XXXX is that I have 30 days to take action - I am unable to take action without the letter and if my voicemails have not been returned. I am not disputing the debt however I find it frustrating that I continue to have issues with this agency - in a prior complaint the agent the agent erroneously advised that voluntary payments were not an option, since this complaint ( to my knowledge ) there have been no additional attempts to contact me by phone or in writing. I understand that my loan is defaulted, I am willing to pay however it seems unfair to impose deadlines when I am at the mercy of the agent answering the phone/responding or at the mercy of the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.

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 04/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: On  XXXX / XXXX / 17 , I used Venmo to accept funds from  XXXX  people.  One  transaction was for {$1400.00}, and another transaction for {$1000.00}. I received notifications when the funds landed in my Venmo account, but in fact the money was never received, and I was the victim of fraud, and lost {$2400.00}. Within an hour of the fraudulent transfers, I received an email from Venmo explaining I was the victim of fraud. I appealed to Venmo 's customer service team, but they covered their  XXXX  with the legalese in their ToS. I think Venmo should be held accountable for knowingly administering a compromised system and exposing their users to unnecessary risk.

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 11-09-2017 about Debt collection (I do not know) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people repeatedly call me for my sister 's debt. Every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: XX/XX/XXXX  T o  : Consumer Financial Protection Board From :    XXXX   XXXX   XXXX   CC : PayPal/ XXXX , California Attorney Generals  Office Re : FA ILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with  PayPal. I have made purchases though  XXXX , and PayPal is refusing to pay the sellers for items I have won via auctions when they hav e deducted the monies from my bank account.  <P/>  PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my  drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since   XX/XX/XXXX ,  the items are being sent to my home address and I have called them from my cell phone, the phone number they have on record since   XX/XX/XXXX  a nd they have my social security number which all makes my account verifiable.  <P/>  PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding hostage my financial information and I want it deleted from their databases. PayPal has  been accused of having ties with  XXXX  and have been hacked  XXXX  only knows how many times. So, why on  XXXX  green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable!  <P/> Due to  PayPals neglig ence I am now being harmed and have incurred damages. Sellers are filing complaints with  XXXX  and writing negative comments about me for the public to see.   PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over.  XXXX  will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with   XXXX   and that is being threatened by PayPals actions and inactions.
<P/>
I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as    necessary. I have read numerous complaints about the same thing and this is unacceptable.  <P/><P/> Thank you,   XXXX   XXXX   XXXX   XXXX  Enclosures : Bank Statements and  PayPal Account In fo

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 12-01-2017 about Debt collection (Other debt) with Consolidated Recovery Group, LLC (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: My identity was stolen and a credit account was open in my name, i ask consolidated recovery group to remove the negative item from my credit but they wont comply

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: It should not cost to freeze and unfreeze credit. With the recent breach, freezing all three should be free. Even giving one free freeze/ unfreeze a year would be good.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: I made a deposit to my account at XXXX and my transaction posted at XXXX. I called the bank and was informed that they start processing at XXXX. I have never received any documentation stating that the cutoff time is XXXX I asked if the they could reverse the charges since they could see the deposit at XXXX and the answer was no.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with Brock & Scott, PLLC (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Brock & Scott a debt collector, filed a lawsuit against me in behalf of XXXX, who was later bought by XXXX XXXX. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.

Company response to consumer: Closed with explanation