milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Application, originator, mortgage broker

Complaint: Applied for a mortgage refinance with Citi Bank XX/XX/XXXX. They provided me with a list of documents they needed from me. I uploaded the documents to the website they instructed me to. They lost the documents. I emailed the documents to XXXX XXXX, who conveniently does n't work for them anymore, and she lost them as well. I overnight expressed physical copies of all documents to their office in XXXX XXXX. I have proof of a signed receipt of the documents. They lost these too. They then cancelled my loan because they never received my documents. However, they never told me they cancelled it. I have been trying to get them to respond to me since XXXX XXXX, and they will not return my calls. XXXX XXXX finally returned my call today, XXXX XXXX, to tell me that my loan has been withdrawn and I will have to start the process over. This is the most incredible incompetence I have ever encountered. I am in the process of moving all of my citi accounts to other banks. I will never do business with them again. But, I do n't want another consumer to have to go through what I have been through.

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 04-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: On XX/XX/XXXX I made an online payment in CitiGroup Credit Card account in time to pay off the balance of a balance transfer whose rate would change on XX/XX/XXXX to 22.49 %. Please note I made 5 calls to customer service at CitiGroup during the months of transfer period inquiring what my interest rate would be and was told every time they did not know what the rate would be- then when I called in XX/XX/XXXX( within 30 days of expiration ) I was given the new rate. Unreal! I have a high credit score and I was dismayed - I told that clerk that I would be paying off that part of my balance in time. He did not tell me to wait until the day AFTER expiration. Anxious not to incur high interest I paid ahead to make sure it posted on time. Logging in today I see they moved that balance to the " standard '' rate and that because I had another balance at .99 % they applied my payment to that and not the original sum. They quoted their agreement which says " highest interest first '' and refused to apply my payment of {$3800.00} to the balance in question.

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 06-07-2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in the late XX/XX/XXXX i had a XXXX credit card. I used it to buy throw pillows. When i got the bill i went to pay it at XXXX and i also cancelled the card. Reason : XXXX is too expensive! I signed a form sayin the bill was paid in full and that i cancelled it. In XXXX 2017 i got a letter from pressler and pressler sayin that they put a judgement on me for a XXXX credit card bill. They said i owed XXXX {$630.00}. And with their fees it came to {$1000.00}. I contacted them and told them i wasnt aware of this and that it was paid off and cancelled a long time ago. I spoke to a XXXX XXXX he asked if i still had the form when i cancelled it. I said no who keeps forms like that from so long ago? And he said since i didnt have proof. That i had to pay. I said nope not paying something i dont owe. And he proceeded to tell me they would harass me til my death. That i would be arrested if i didnt pay the debt. I have gone on the court website screen shotted everything and when i went back to it a few days ago half of what was on the site was gone. So the info has changed. The last time something was entered was XXXX XXXX2017 execution postcard was sent. I do n't have a clue what that is but it never came. Ive put a security lock on my credit report so they cant access it. Ive closed out all my bank accounts so they cant take anything. Ive done alot of research on these lawyers and their unethical collection practices. Im still waiting for proof that i owe this debt. They havent sent anything but subpoena questionnaires asking about my assets. Ive gotten 3 so far. One i sent in i didnt put personal info on it. I figured they had all my info why give it again? The last paper i got from them was in XX/XX/XXXX saying i had to reply in 7 days or risk being arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: someone else charged the account in full over 600 miles from my location and comenity dba XXXX refuses 12mos later to remove the spurious charges.
I might owe them {$10.00}, tops.
anything over 50 is covered by the consumer fraud statute and cardholder agreeement.
has asked for twice this amount and refuses to hand over the acct to a 3rd party. XXXX XXXX also does this. XXXX XXXX also does this. ( showing a trend ) can not place me at PoS becaus I was in XXXX charges were en-mass in XXXX and wo my permission. THEY WERE NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Hello, Sorry to bother Chase and the Consumer Protection Bureau again regarding this matter. I have been unable to resolve thus far the matter with the unauthorized charge to my credit card account that was closed because of this action. 

I have contacted XXXX and submitted a formal complaint and have not received any response. So I took the next step to filing a complaint with the Attorney General in the Consumer Protection and submitted the contract with proof that my credit card was bill erroneously. Since then my account still has not been credited and my account in submit to being cancelled per attached letter. I do not want my account cancelled. I can not afford to pay {$2800.00} that I did not authorized payment for. I am working on resolving this matter and that is why I have reached out to the Attorney General 's office for maybe some assistance. I have already spoke with and attorney who said I was not the party to be charge per the contract. I understand the situation and I am doing my best to reach out to someone at XXXX to issue this credit back to Chase so they can get their money back. I am trying. Its not my fought and I am morally do n't want to leave Chase holding the bag. So I will resolve this issue XXXX way or another. Please do not close my account until I can get this account back in good standing. This is my account I use for my mortgage business had to pay my bills and mortgages and tenants have access to pay their rents so mortgage payments can be deducted from.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX I did a move out inspection with XXXX XXXX the property XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX I received certified mail from XXXX XXXX which stated the final billing and settlement statement and all was paid in full with the termination fee and forfeiture of security deposit. On XX/XX/XXXX I get court notice to appear in court for abandonment, I go to court with all my documents on XX/XX/XXXX and the case was dismissed. I have all documents including move out insepection which was provided in my dispute. I am sending you all the documents I provided to XXXX I dont understand with all the court documents and move out inspection why are they still reporting in accurate information. Reference # XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (I do not know) with GREAT LAKES (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps contacting me and my job even though the debt is not mine. The worker stated that she will not stop contacting even though she knows I do n't owe them anything. This collection company is jeopardizing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (RI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was the first one in my family to attend college and nobody could afford to send me completely. I received significant scholarship funding and financial aid but still needed to take out about {$50.00} XXXX in private loans. Over the last three years, the interest has boosted that amount to $ XXXX already. This is in conjunction with federal financial aid that is well over XXXX figures. There is no way I 'll be able to support myself and I 'll have to move back home. They charged me just under 10 % interest on a loan for $ XXXX. This is obscene. I would have been better off not attending college.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.

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 03-10-2017 about Mortgage (FHA mortgage) with Idaho Housing and Finance Association (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Idaho Housing Agency is reporting FORECLOSURE STARTED and paid foreclosure on credit but it was never a foreclosure. I need this fixed asap.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with LAW OFFICES OF CRYSTAL MORONEY, P.C. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: 1. when emailing about the debt, Moroney Law never gave the amount due in any emails ( dates of emails  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  ) 2. the name of the creditor to whom the debt is owed was not stated in any emails -The emails sent specify that disclosure or use of any of the information contained in this e-mail transmission is STRICTLY PROHIBITED ( no copy of emails for you ) 3. they have called between the hours of  XXXX - XXXX  without knowledge of circumstances repeatedly (  XX/XX/XXXX   XXXX  ) other instances can be obtained from an old phone if neccesary 4. during communication with my father the debt collector threatened to take matters to an attourney and that it would effect my credit score which caused him to call me and harrase me about a debt he isnt allowed to know about. ( they record calls )

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 09/24/2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I had, and still have a paypal account that I occasionally use to pay bills to few merchants. I have usually one or more credit cards on file at Paypal so that Paypal can use my credit card when I use Paypal to pay bill. On XXXX XXXX, 2015, I wanted to pay a bill using my Paypal account. Since the credit card on my paypal account was expired/cancelled, I added a new credit card to paypal account and then paid a merchant {$33.00} using Paypal. 3 weeks later, I got a call from paypal saying that I owe {$33.00} in Paypal credit account. Since I know that I never had a credit account with Paypal, I called them back to find out. They said I opened a credit account on XXXX XXXX and paid a merchant {$33.00} using that credit account. I said I paid with the credit card on file. They said since the credit account is opened in my name, the only way that can happen is that I did it. XXXX I never opened a credit account with them. I had numerous conversation with them the last few days. The claim the only way a credit account can be opened is, if the customer did it. I told them, may be your system made an error. They would not agree. Then I XXXX searched and found that this is their regular practice to open credit account for unsuspecting customers. However, in my case, I accidentally did not click on anything on their site. I know this because I am a professional software worker and good at finance. So I did some digging of the records. From my email account I found that they sent me an email about opening " a credit account '' at the very same minute, I added a credit card to the paypal account. As per paypal policy they must send an email when " a credit card is added to an account '' stating that it happened. I verified the logs that they have that my credit card was added at the very same moment they sent me the " opening credit account ''. There is only one explanation for what they did. They created a credit account for me when I added a credit card to the file. It could potentially happen, though unlikely if they have a bug in the system ( I am XXXX, I know how this can happen ). The potentially dangerous reason by which it happen is when customer add a credit card to file they deliberately create a credit account. The fact that they did not send me an email about adding a credit card and at the same time sent me an email about the credit account creation, points towards this ominous scenario. In that case, their system is programmed to do that way for unsuspecting customers. Because they opened a credit account in my name, I took a hit on my credit history. I asked them to go and clean up the damage with XXXX credit beauros. They refused. I also asked them compensate for the damage they did to my credit history. They refused. I promised them that I file this complaint. I asked them not destroy evidence of logs, emails, phone calls etc. Please take action against them

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (TX).
Issue: Taking out the loan or lease

Complaint: I got a car loan from United auto credit, The car had bad problems with it to prevent from passing Texas State required safety inspection United auto credit to me to send in copy 's of the receipt for starting repairs they would defer our XXXX 2015 payment to the end of the contract, and start paying on XXXX for next payment, They said after I sent the receipt Now they refuse to even after starting repairs, and they nowing they financed a unsafe car they said they dont car I ask to have the contract rolled back to the car lot XXXX days after signing contract they refused, they knowingly financed a car knowing its not road safe according to Texas Safety law inspection. I told them I wanted they money back on the deal {$1000.00} down and a payment of {$270.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have only been able to get my annual free credit report once in my entire life from Experian. Their site gives a plethora of reasons and error codes as to why I ca n't receive my reprt. Some have included my personal information not matching, not being able to verify my identity, incorrect information provided, etc. Most recently, it advised me I had already received my annual free report, which is a lie. I have called them countless times over the years and they are always totally unwilling to help. I want my free report. This has gone on long enough.

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 12/14/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, XXXX, XXXX GA XXXX reported a Debt collection was reported to EQUIFAX on XX/XX/XXXX from a first Delinquency date of XX/XX/XXXX for a debt of {$280.00} from a Rental/Leasing Client XXXX. My response to EQUIFAX was that this was beyond the XXXX Of XXXX statue of limits for notification of debt and wanted it removed from the credit report. EQUIFAX report back that this does belong to me and left it on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This company sent me a letter about an alleged debt that they claim they received from their client XXXX XXXX. I do not have an account with XXXX XXXX and when I closed my account with XXXX XXXX I left with no outstanding bill as far as I can recall. I have not had an account with XXXX XXXX since 2013. I have never done business with this company in the past for no reason whatsoever. When I received notification from this company about the alleged debt, I responded by asking for " Validation of Debt ''. This company has yet to provide me with competent information related to this debt however, they still continue to contact on my personal phone and on my office phone. I also suspect that this company is calling me via phone at my employment, using a private number. Each call I have answered they refuse to disclose the nature of their call when asked. They have now resorted to calling me and hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Billing statement

Complaint: I have a Bank of America credit card, and they recently -- without my permission -- changed my accounts notification system so that I did n't receive my normal email notification that my bill was coming due. This led to a missed payment and late charges that I should not incur.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing statement

Complaint: Lord and Taylor credit service is after all these years just now charging XXXX interest rates on its store credit card balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting a XXXX account on my report. I have sent several validations letterrs and they have not followed through and showed my paperwork that this is my account.

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 08/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MO).
Issue: Struggling to pay mortgage

Complaint: This is a new complaint but it follows my last one which was : XXXX. After my last complaint that the bank was foreclosing because I did not sign the appropriate papers. I am pleading with you for help. The following are my issues : 1. DITCH Foreclosed again! 
2. Although the bank did respond to you, I did not get anything from the bank until after the foreclosure on Monday, XX/XX/XXXX. 
3. The Atty General 's office of Missouri wrote a letter to the bank and asked the bank to postpone the foreclosure so I can reapply for loan modification. 
4. I reapplied and I also set in the original paperwork.
5.The bank sent an e- mail to the atty general 's office on XX/XX/XXXX that they are requesting a postponement and will get back to him. 
6. I called the bank onXX/XX/XXXX and asked if they got everything i sent in as far as the original papers and the loan modification papers. 
7. The bank told me on XX/XX/XXXX that they got my papers and everything is ok and I am being put back on the same mortgage payments as before. I asked them if I will get that in writing and they said " sure '' in the near future. 
8. I am in Chapter XXXX and my attorney took the house out of the plan while I was in loam modification. I was paying my mortgage every month without any problem. My attorney told me that if I am having a problem with the bank and the foreclosure he can put my house back on and I will be protected from foreclosure. 
9. He did n't do it bec the atty general 's office told me that everything seemed like ok and it looks like its being postponed and if they hear anything they 'll let me know. 
10. And the bank told me I was ok and no foreclosure. SO my atty did not file to put the house in my bankruptcy which would have protected me if I knew they made a decision. 
11. I also was n't able to go to the auction which i understood i could have bec i did n't know it was still on. 
12. The Bank did n't tell me or the atty general 's office what they decided until after they sold my house and THAT IS NOT RIGHT! I could have taken care of things. AND the bank told me they are not doing it. 

PLEASE HELP ME!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation