milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2015 about Mortgage (Other mortgage) with LENDER LIVE (RI).
Issue: Loan modification,collection,foreclosure

Complaint: LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. 
They have requested modification documents from me and robo-signed returned copies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Law Office of Maury Cobb has sent an automated phone message to my parents ' phone # every day for months. The call-back # they provide is for a dating service and they do not respond to emails so there is no way to end this harassment. I have no outstanding debts, as my credit report will show.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.

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 11-05-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: I have contacted Citibank at least eight times since XXXX XXXX regarding errors on my credit report. Initially, Citibank responded stating I needed to contact the XXXX credit bureaus about my problem. I did as Citibank instructed and received XXXX letters stating Citibank was basically at fault and would need to correct their error. I then wrote several more letters to Citibank, including a letter to the legal department " demanding '' these errors be corrected. Citibank sent me XXXX letters on XXXX/XXXX/XXXX, one letter on XXXX/XXXX/XXXX and one letter on XXXX/XXXX/XXXX, which stated they would correct the errors and it would take up to 30 days to be reflected on my credit reports. Today is XXXX/XXXX/XXXX, and my credit reports are still not accurate. I have spent many hours on this problem ( at least 15 ) and nearly {$20.00} in postage for the various letters sent to Citibank and XXXX credit bureaus. This is not right! I 've been a loyal customer for 21 years ( XXXX ). My credit report needs to be corrected. I also am " demanding '' {$5000.00} in compensation for my time and the financial resources spent attempting to resolve this matter informally. I have PDF scanned copies of all the letters I have sent to Citibank and XXXX Credit Bureaus and would be happy to share those with Citibank as proof. The dates of these letters are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( x3 ), XXXX/XXXX/XXXX ( x2 ), XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also, my credit score continues to suffer and has suffered for over a year due to Citibanks inability to solve this simple problem.

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 05/31/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In my XXXX past complaints with the cfpb about Caliber Loans, I received XXXX, conflicting responses to the same question which only adds to my confusion. According to Caliber, XXXX no longer owns my loan, yet Caliber has not registered this wit h XXXX land records. Their response was when it goes to sherrifs sale and is sold, then the transfer witll take place and that it was registered on XXXX XXXX and is pending. As soon as it goes through, I will be notified. As of XXXX XXXX land records has no record of this. 
Which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: See case # XXXX. This is a revised letter. In the letter I had got XXXX XXXX XXXX crossed with XXXX XXXX XXXX. The Correct department is the XXXX XXXX XXXX. The revised letter indicates this as zI sent the wrong version.

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 08/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have already complained to the OCC Ref. XXXX XX/XX/XXXX, and XXXX dated XX/XX/XXXX.  I now learn I should have complained to you. 
On XX/XX/XXXX The Bank of America closed my checking account without warning with a balance of {$33.00}, XXXX in credit. They claim I did not respond to status questions via my cell phone, but not by email. However I am not in the USA at present, so email was the only way of contacting me.I have banked with Bank of America for ten years with an unblemished record. I have waited for 20 days now to receive a check which has not been forthcoming despite an almost daily stream of emails to XXXX XXXX, Resolution Specialist, Case ID XXXX. 
I am at my wits end, because I am clearly getting the runaround from these people. 
I would like to email you a complete thread of my emails to them and their replies to illustrate the scale of the problem. They are a complete disgraces

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 11/14/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: American Express Centurion Bank is unreliable as a bank for disputes against unauthorized transactions period. They closed my account out after they though XXXX charges I authorized were not authorized!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint: TransUnion is burying their credit freeze to sell their own credit monitoring product XXXX.
I noticed something had changed on the TransUnion website about freezing credit this morning when I was giving links to family so they could freeze theirs.
I froze my credit the day after news about the XXXX breach broke, and it looks like TransUnion has since changed their site to push people away from freezing their credit in favor for their own product called XXXX ( like what XXXX was doing with their XXXX XXXX. ) The FTC website links to this page ( http : //www.transunion.com/freeze ) for freezing your credit with TransUnion.
This is what the website looked before the changes were made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The instructions on placing a credit freeze were clear and there was no mention of their own XXXX product.
If you want to place a credit freeze with TransUnion now : 1. You have to get through a page of info about credit and fraud, and then the action it tells you to take is to " Lock your credit information by enrolling in XXXX '' 2. The option to freeze your credit is under " About credit freeze '', deliberately passive in their use of language 3. The description about credit freezing is dissuasive : " A credit freeze may be available under your state law '' 4. The link for the credit freeze is also a passive " click here '' compared with " by enrolling in XXXX '' language used for the link to their own product.
5. Clicking the link to learn more about credit freeze brings you to yet another page ( https : //www.transunion.com/credit-freeze/place-credit-freeze2 ) that tries to convince you to enroll in their product over placing a credit freeze 6. After searching through their page of XXXX, you finally get to the link to freeze your credit ( https : //freeze.transunion.com ).
This is such a blatant attempt by TransUnion to take advantage of the XXXX breach for their own financial gain. It 's awful thing for TransUnion to do, and people should be aware that they are being led away from putting an actual credit freeze on their 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 01-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Called the banking center to inquire about the cut off time for a mobile deposit I made. Seems I was late by 20 min. I was denied a reversal for a overdraft fee of {$35.00}. The representative could not tell me when my mobile deposit was made and she was unsure of the posting time. I asked to speak with a supervisor ( XXXX from XXXX VA ) who was rude and short with me. I asked him to listen in on the phone call with the representative I spoke to earlier and he said he was too busy at the moment to do so. 
I 'm being charged a fee and have no real understanding of the cut off and posting times for mobile deposits as to ensure it does not happen again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Private student loan debt) with Northstar Location Services, LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I WAS LOOKING INTO MY STATEMENTS AND FOUND A CHARGE WITH THE HELP OF MY FRIEND THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THE MERCHANT IS. FROM XXXX XXXX XXXX FOR XXXX ON XXXX/XXXX/XXXX. MY FRIEND AND I CALLED THE CREDIT CARD COMPANY FOR XXXX AND SPOKE TO XXXX XXXX WHO WAS SO MEAN AND NASTY TO ME AND TOLD ME I DID MAKE THIS CHARGE WHEN I DID NOT. I ASKED TO BE TRANSFERED TO HER XXXX AND SHE DISCONNECTED THE CALL. I AM A XXXX CITIZEN AND I CAN AFFORD TO PAY FOR THINGS I DID NOT AUTHORIZE AND ITS A ALMOST XXXX CHARGE. PLEASE HELP ME GET MY MONEY BACK. I AM LOOKING INTO MORE OF MY STATMENTS TO SEE IF THERE ARE ANY OTHER CHARGES ON MY ACCOUNT. PLEASE HELP ME.

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 09/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home loan with XXXX and Ditech Financial, LLC is the loan servicer. I had an insurance claim on the home and Ditech is holding the insurance funds. XX/XX/XXXX I submitted and Ditech approved roofing repairs to my home. The total cost of repairs was {$8600.00}. Ditech issued half payment ( {$4300.00} ) up front. The repairs were completed and now Ditech refuses to issue the full second half payment. Ditech did issue {$1600.00} in payment. They are currently refusing to release {$2600.00} in funds currently held in escrow to pay for the roofing repairs. At the time the second payment was issued, no explanation was provided. Communication from Ditech is non-existent even though I have repeatedly advised the company to contact me by email or telephone if there is a problem with my claim. As it stands right now, I am personally liable to pay the bill for the roofing claim even though Ditech is holding {$2600.00} in funds to cover this work. Ditech has no dispute resolution procedures and refuses to allow me to speak with at supervisor or manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: This credit reporting agencies has not properly verfied this account belongs to me by getting the creditor to validate information with proper documentation showing this is my account. Because the creditor havent send me proper verfied document. And proving that i have a contract with 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 06/26/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called collection cosultants in XXXX Ca because a XXXX bill of {$420.00} pops up on my credit report. When I call to make payment the credit collectors say different amounts and will not take my {$420.00} payment but want close to {$3000.00}. This company seems very fraudulent to me and I asked them to produce records of the supposed debts and they will not comply. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: The Equifax website confirmed that my personal data has been hacked. They are offering a free fraud alert at all three credit agencies, but it is only good for 90 days. I want a free CREDIT FREEZE at all three credit agencies for many years ( while the thieves could be using my data ). Not only do they NOT offer this free protection, there is NO WAY to speak to a human being at Equifax. The temporary phone number they have given is for a 3rd party agency that can not answer any of my questions, and is not willing to offer free freezes. The temporary phone number allows me to talk to a human being, but the only thing that human being is able to do is refer me to the website and other phone numbers that are PERPETUALLY busy. I am unable to contact them to DEMAND a free freeze all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Taking out the loan or lease

Complaint: I applied online for an installment loan and was approved for a {$2000.00} loan. Upon trying to get the loan they want me to put my car title up for collateral in which i disagreed. I asked for an unsecure loan. The branch manager in XXXX, OH denied an unsecured loan based on some derogatory past credit cards. The credits are not in my name and i am just an authorized user and they want to base thier claim on someone elses credit card history.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX of XXXX I noticed a debt collection listed on my XXXX credit file with Syndicated office Systems aka Central Financial Control that was fraudulent in the amount of XXXX. I immediately contacted them to dispute the item. I have been disputing this debt with Syndicated/Central Financial to no avail. I had previously provided an affidavit and police report of identity theft requesting the debt be removed due to fraud. I spoke to an representative numerous times for almost two years and nothing has happened. I continued to send the affidavit and the police report for now almost two years. I call and now they tell me that they will only respond to me via me making a fax request as it has been reported as fraud. I do n't know what else to do when I have provided the identity theft police report and affidavit of identity theft as to this XXXX debt. It has affected my ability to obtain credit for almost two years now and has caused me irreparable harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Struggling to pay mortgage

Complaint: We sent payment buy they continued to take out on wrong date sent letter no  response , They took out in XXXX for payment  then said we are foreclosing which is now in affect, If  they would have takin payments as said we would not have this problem , I would like to start Class Action Suit .

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 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX accounts still showing on my credit report as negative impacting items that should not be there, as the date opened is more than 7 years old, which is longer than the allowed period for a negative item to be reflected in accordance to the law. I have disputed the credit items with experian and will attach the documentation as needed. I request for them to be removed, as they should no longer show on my credit report. XXXX item is from XXXX XXXX and another XXXX is from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: In XXXX I called Wells Fargo to request a repayment plan for XXXX, XXXX an XXXX payment. I was told I had to apply for a loan mod and the company will determine what option I will get. In XXXX of XXXX Wells Fargo decided to give me a payment {$20.00} more than what I have been paying and the company up my interest rate. I still do not understand y I could n't just get the repayment plan I asked for during the time I called and ask for assistance. Now on XXXX XXXX, XXXX I tried to make a mortgage payment online and was not able to. The weather was bad in XXXX and also the bank was closed on XXXX XXXX XXXX. I bank with Wells Fargo and should be able to make a mortgage payment online.

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 02-05-2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (FL).
Issue: Taking out the loan or lease

Complaint: Auto Loan fraudulently opened at XXXX XXXX XXXX in XXXX, Fl. for the financing of a XXXX 2011 vehicle with Flagship Credit Acceptance. The finance company ( 7 months ) ( Flagship Credit Acceptance ) did not and does not have the proper documents- title, etc to provide to DMV in order to grant a permanent registration/tag for the vehicle. However they were still taking payments of XXXX per month for 3 months and are reporting the loan as open and late with missed payments on my credit report. Per court order the Department of Motor Vehicles issued the title in my name and the title specifically states 1st lienholder =none. The title is not electronic- it is paper.

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