milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Payoff process

Complaint: My latest statement from Bank of America for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. 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 03/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has sent statements dated with variances that range between XXXX weeks so customers do not receive them in a timely manner and sometimes very close to the actual due date. Multiple times when I have called I have simply been hung-up on, this is almost half of the time I call. It happened XXXX today alone when I called to inquire about my escrow check since I refinanced - in part because this mortgage company is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on XXXX of the XXXX reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Complaints XXXX Consumer Financial Protection Bureau PayPal Headquarters XXXX via website XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XX/XX/XXXX statement from XXXX I received the attached creditor demand dated XX/XX/XXXX just after the XXXX. I was surprised as this was the first time I became aware of an outstanding matter with Pay Pal. I have not used Pay Pal in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I had opened Citibank Savings account under a promotion which gave {$350.00} if I deposited more than {$25000.00} between XX/XX/2016 and XX/XX/2016 and kept the money till XX/XX/2016. I fulfilled the requirement and was waiting for the bonus to arrive. 
I also verified with the customer service agent at Citi that I qualified for the offer and they confirmed it saying I should receive it within 90 days of completing all the requirement. 

However, I got another message from Citibank saying that I will not be receiving the bonus as I do not qualify. I have attached the offer terms which I signed up for and the chat with Citi agent confirming my qualification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2015 about Credit reporting () with Credit Karma, Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Student loan (Non-federal student loan) with Genesis Lending (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern, Dynamic Recovery Solutions asserts that I owe a debt to XXXX XXXX when I never held an account with this telecom giant. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to Dynamic Recovery Solutions, the alleged debt was being claimed by XXXX XXXX XXXX. I disputed the matter with all three credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to Dynamic Recovery Solutions. 

They list their mailing address as : XXXX XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: the nature of my complaint is simple, i have 6 items on all 3 of my credit reports from Tenet health,  Central financial control, original debt was from XXXX hospital XXXX XXXX. for reasons i can not answer, my father used my information on these visits in question ( I am A XXXX so we have the same name ) to XXXX  hospital. as a result, these debts belonging to my father, were summarily placed on my credit bureaus. i have made several disputes on these, both with the credit bureaus, and the collection agencies, each time they say the information is valid. i just today learned of your class action settlement with Tenet, I do not know if i can still file a claim, if so i would love to. otherwise, i may have to try filing small claims suit myself. is there anything else you folks can help me with in this matter? i have done everything i know to do, and i have done them several times, to no avail. thank you in advance for your time and consideration. sincerely, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with MB FINANCIAL, INC. (UT).
Issue: Closing on a mortgage

Complaint: We refinanced our home, signing the Closing Documents on or before XXXX XXXX, XXXX. The loan was funded on or about XXXX XXXX, XXXX. The old loan did n't pay off on or about XXXX XXXX. We had n't paid our XXXX XXXX payment so it was reported delinquent. We have recently been notified another payment was reported as delinquent in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: On    XXXX   XXXX   2017..   XXXX  from the homeownership center and I, called Ocwen to check the status of the modification that we 've been working with them sinc e   XX/XX/XXXX .   At thi s point we were told that the modification was under review, and that no other paper work was required. Then upon my arrival home from my meeting with  XXXX , I received a notice from Ocwen that my documents were expired and needed to be resubmitted because they are more than 90 days old.. Ok.. We submitted these documents to Ocwen less than a month ago.. And this is not the first time that my packets have expired that was submitted them.. This has cause incredible stress on me and my family.. When this started we were only two months behind and now we are more than 6 months behind. I was never offfered an option for a repayment. I was told that I would have to apply for a mortgage modification. This has been an utter nightmare dealing with  Ocwen  ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the 2017 Equifax cyberattack that was announced in early XXXX 2017.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing accounts of my Trans Union credit file for over 6 months, and still get the same generic answer when the results are furnished. I want these accounts removed as they are not my accounts.

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 07/18/2017 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: Information belongs to someone else

Complaint: I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.   XXXX   XXXX   XXXX   and  XXXX  is listed  XXXX  separate times and none of the accounts are mine.   XXXX   XXXX   XXXX   is also listed. This is not my debt and I have no knowledge of it.   XXXX   XXXX   is listed, this is not my debt and I have no knowledge of it.   XXXX   XXXX   XXXX   is listed. I have no debt with this company and have no knowledge of it.   XXXX   XXXX   is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. 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 03/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: After months of diligent efforts by our firm, XXXX, and our clients, we finally received a modification offer from Bayview in connection with our clients ' request for mortgage assistance application. A representative from Bayview called our firm to disclose the terms of the offered modification on XX/XX/2016. During said phone call, the Bayview representative stated the interest rate would be fixed at 2 % for the first 5 years and then it would increase each year until it reached 3.375 % at which point it would remain fixed at that rate for the remainder of the loan term. 

Our clients accepted the modification offer and began making payments as directed under the trial agreement. Then in XX/XX/2016, Bayview sent our clients the final modification agreement to be executed and returned. Even though Bayview had previously laid out the terms of the modification, the final agreement contained a substantially different material term. More specifically, the final agreement stated our clients ' interest rate would increase up to 4.125 % instead of the 3.375 % previously agreed upon. Given the large balance of our clients ' loan, this seemingly small difference results in an additional {$200000.00} in interest that will be due and owed by our clients. Our clients accepted the modification offer based on the terms as specified on XX/XX/2016 and now they are being forced to continue with the improperly changed terms due to the fear of losing their home. 

In addition to the improper change of max interest rate, Bayview has also imposed illegal or otherwise improper fees on our clients ' mortgage account that are explicitly prohibited pursuant to the terms of the modification agreement. The final agreement includes the following provision : " Borrower and Lender agree that if there is a pending foreclosure action that results in a voluntary dismissal as a result of a modification or a similar settlement between Borrower and Lender then Borrower and Lender will each pay for their respective attorney fees and costs and neither party will be responsible for the other parties attorneys fees and costs. '' Despite the foregoing, Bayview has tried to collect numerous foreclosure fees and costs in violation of said provision. Bayview has imposed almost {$10000.00} in foreclosure attorney fees and costs since the modification has become effective. Moreover, Bayview imposed more than {$20000.00} in foreclosure fees and costs on the borrowers that were added into the modified principal balance of the mortgage loan. Since the foreclosure action was voluntarily dismissed, our clients are not responsible for any of Bayview 's or the lender 's attorneys fees or costs.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 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: I 'm making this complaint due to the fact that XXXX is reporting accounts that were not corrected, verified or removed. I do not understand how the government allows these companies to violate the FCRA when there are very specific regulations that state that they can not! 

I 've been disputing these since XX/XX/XXXX and this was never corrected even though I have pointed out numerous times to no avail. What I do not understand is that the burden of proof is on the bureaus and creditors, per Congress in XXXX XXXX TRANSUNION XXXX! 

XXXX XXXX is listed 3 times and 2 of the accounts are reported as 60 days late and have not been updated snce XX/XX/XXXX and XX/XX/XXXX. Obviously, if I were 60 days late on these accounts, there would be a balance as well as charged-off. Accounts do not just stay 60 days late! In addition, these accounts are not reported as transferred. TransUnion is even reporting both accounts with monthly payments of {$1300.00} and {$5800.00}! How can this be when the accounts are closed and have not been updated or paid on for years? 

These must be deleted immediately! I have even disputed with the creditor and have not received any replies whatsoever. I need to know why this is occuring, why these are not being updated and why they are still on my credit report after having been notified and not corrected. 

I require that these are deleted per the requirements of the FCRA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 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 is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX same time I disputed these items with this credit repository. XXXX  removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: My Citibank credit card number was used fraudulently in XXXX 2015 to purchase goods from an online merchant in XXXX. I notified Citibank within a few days of this happening. I still do not have a credit back yet for the fraudulent purchase amount of {$150.00}. I am constantly given a " run-around '' ; given paperwork to sign ; promised that a credit will appear on my account -- -- only to have it reversed again a few days later. I filed an online police report with XXXX XXXX police regarding the individual who fraudulently used my card number. I do n't know anyone in XXXX. I just contacted Citibank again today regarding the matter, and was told the XXXX merchant 's bank would be allowed to dispute my claim ; YET AGAIN, and even then ; the claim may go to XXXX. The Citibank representative said, " we do n't know what will happen if it goes there. '' Citibank are dragging their feet on reimbursing me the {$150.00} ; yet spend millions of dollars advertising that your card is safe, and that they will stand by their customers. That constitutes false advertising. The fact is, Citibank is refusing to refund me my money. The only refund it " conditionally '', and then it is reversed later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with GC Services Limited Partnership (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was never given the right to dispute by XXXX XXXX. I have went to the BBB and this company has failed to provide proof that the debt belongs to me. I completed a transfer of ownership over two years ago and was told that services were n't even rendered because they could n't get a signal to provide service because of trees by a field representative that called me in error. I contacted XXXX and told them that I transfered the account and that the account should no longer be in my name I was given an email address to send a email and after I sent the email the company kept the account open to incur charges in my name for services they did n't render.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (Payday loan) with National Principal Group, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by phone from the NP Group ( XXXX & XXXX ) asking to speak to XXXX, ( my daughter ). They claimed they were collecting a debt against XXXX. I said I knew nothing about it. This is a intrusion of privacy, I am on the National do not call list and yet they call. I do not know how they got my number. My daughter contacted XXXX XXXX and they validated the fact that she did not owe anything and that this is a scam. XXXX lives in Tennessee and is filing a claim with the state there for the same reason. If you check on line you will see that this company has a long record of this type of behavior and bad business practice. What can be done to protect our citizens against this type of business practice? 
This is a continuation of my claim dated XXXX/XXXX/2016 that I submitted. On XXXX XXXX received a call from a company called XXXX ( XXXX ) that threatened her with the filing of a formal complaint against her for bank fraud and collection of a delinquent debt. She tried to get information on the company but they hung up on her. At XXXX I was contacted and asked to call XXXX regarding the whereabouts of XXXX, I called them but they would not provide me any information about their company, they proceeded to hang up on me. At XXXX today my son ( XXXX ) received the same call, he did not respond. At XXXX our home received the same call ( and I have it on my voice recorder ) and we did not respond. XXXX contacted the FTC and filed a like complaint ( ref # XXXX ). If you check on line you can confirm that the phone numbers they are calling from are real and are being used by scammers. What ca n be done to protect our citizens against this type of fraudulent business practices? We will help in any way we can. 
I am attaching the formal complaints that we have filed with the State of Minnesota along with what their coarse of action is. These provide more information than I typed in this box.

Company response to consumer: Closed with explanation