milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Debt collection (Mortgage) with CITIBANK, N.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: We are a small home owners association. We have a unit in which the owner has passed away. The family has also walked away due to the large amount of mortgage that was owed and the HOA fees. The Bank that the mortgage was obtained from is having nothing to do with this property. As a result we are in legal limbo. No one is paying the monthly HOA fees, no one is keeping up the property or even trying to sell it to recoup some money. In fact, the bank is forcing the HOA to sue them to collect the fees or do something with this property. This has caused financial hardship to the other owners and the HOA as we rely on the monthly fees for daily workings of the condo complex. In addition, we have had to spend extra money for lawyer fees in an attempt to recoup costs.

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
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit. They have no rights to my note and mortgage and have created assignments and other documents to claim mortgage ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is 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 05/16/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  MEDICAL DATA SYSTEMS INC for reporting credit information to the credit reporting agencies that was a  result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Billing disputes

Complaint: When I received my XXXX 2016 Citi Diamond credit card statement, the minimum payment due was {$25.00}. Instead, I paid the {$340.00} balance IN FULL, via money order. The payment was n't posted by the XXXX/XXXX/16 due date, so I authorized a {$25.00} transfer from my savings in order to not be 'late '. XX/XX/XXXX came and went, still without that {$340.00} payment posting. Once again, I made another {$25.00} payment in order to not be 'late ' with the XX/XX/XXXX minimum. In the interim, I contacted the money order company and spent another {$15.00} to get a copy of the original money order sent to Citi Diamond, hoping to see if it had been lost or stolen. When I got the copy back, it is clearly stamped, " DEPOSITED TO CITIBANK '' on XXXX/XXXX/16. I contacted Citi and they have been no help. They are telling me their invesigation will take at least 30 days, and in the meantime, I will have to make another {$25.00} payment by XXXX/XXXX/16, so I 'm not 'late '. Now I 've paid an extra {$75.00} that is not even owed, all because they miscredited MY {$340.00} payment IN FULL back in XXXX 2016.

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 10/24/2015 about Bank account or service ((CD) Certificate of deposit) with Empowerment Ventures, LLC (AR).
Issue: Deposits and withdrawals

Complaint: I 've been with Rush Card 8 years and they have n't funded my money and it 's been three days since I 've supposed to receive it, I have n't paid any bills because I do n't have my money and it 's not right, I only receive XXXX every two weeks, it 's hard for a single mother.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (ND).
Issue: Problem when making payments

Complaint: This is in reference to a previous complaint # XXXX. Wells Fargo did not answer this complaint correctly. I made the payment on the XX/XX/XXXX on line. It said payment was due by XX/XX/XXXX. According to them, the billing cycle was not completed even though the payment said " due ''. They said I was late making the payment. I was not. The website said it was due. I made the payment. I called Wells Fargo two days ago and they still have not returned my call. There is a website problem and they have yet to address 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 09/16/2017 about Debt collection (Federal student loan debt) with Seben Hospitality Investments LLC (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I had called ( XXXX ) on XXXX XXXX, 2017, trying to take care of my Federal Student Loans. I  spoke to a guy who said his name was XXXX. Through our conversations about my student loans, I thought he or his company ( Helping Hand Consultants ) was affiliated XXXX. So when he asked for my personal information to set up payments I assumed he had to have the information to do what was needed in order to start payments. In the end I had given him all my personal information to include ; name, phone number, address, social security number, credit card information, work information, and signed over my XXXX account power of attorney. After some research and talking with XXXX I realized I made a mistake and that " XXXX '' should have never asked me for my personal information. I was supposed to pay {$330.00} for the next 3 months and then {$0.00} there after. According to the information on the document I signed their information is as follows- Helping Hand Consultant XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX XXXX ext XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report

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 02/25/2017 about Credit card () with DISCOVER BANK (PA).
Issue: Other

Complaint: Charge-offs stay on your credit report for up to 6-7 years from the date the account was charged off. However, I was told that it will be removed before then. It has been already over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (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: The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at Barclays Bank and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTIN G US  FROM APPLYING FOR A MORTGAGE AND IT NEEDS TO BE REMOVED IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (Store credit card) with TIDEWATER FINANCE COMPANY, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Tide water keeps removing and replacing account on credit file. They have the account with a past due {$760.00} balance with its suppose to be {$0.00}. They will remove it one month and replace it the next.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery has sent me mail about debts that were part of a bankruptcy that got dissolved. I took their initial calls and stated that when I recognize I still owe the debt and to contact me by mail for any future collection efforts. For the last 6 months I receive multiple calls per day, 7days/week from various numbers. I am not able to answer them. I have gotten reports from family stating that they are now receiving multiple calls asking for all kinds of personal information, not just an address. Since requesting them to mail me anything I have not received one letter from them, just constant phone calls. I have an entire list of their numbers blocked in my phone. I am going to be sending a certified letter to cease communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my BMO account on XX/XX/XXXX with a promotion for {$200.00} after making two direct deposits greater than {$300.00} within 90 days. This was completed by XX/XX/XXXX, but I have not seen the {$200.00} applied to my account. 

Initially contact BMO Harris on XX/XX/XXXX and was told the account would be evaluated after 120 days of being opened, and then the bonus applied within 10 business days. 

I then again contacted BMO Harris XX/XX/XXXX, and was told the bonus would be applied within 10 business days. It is now 11 business days without any bonus being applied or further communication from BMO Harris.

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 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: This complaint is concerning my CareCredit account. When I had my account created in XXXX 2012 to deal with some emergency XXXX  work that needed to be done, I was not told about the specifics concerning the promotional period I was signed up for. When I asked for specifics, the staff, who explained how to use CareCredit to me orally, were quite unclear and could not explain it. 

Thus, I went into using the card without full knowledge of the deferred interest for promotional periods. I am still paying interest on this procedure, and the interest grows every month.

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 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax kept me on the phone for 2 hours to get my report

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on XXXX XXXX two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to get any answers as to why I can not make a partial payment to make up a full payment using the money which is in unapplied funds. I wanted to know if this is an FHA loan guideline, or a company policy. Neither agent could sufficiently answer this question. It seems to me that if I have money in unapplied funds, and I have enough to make a full payment using MY MONEY, that is sitting in unapplied funds for that exact reason, I should be able to do that. Neither agent could calmly answer my question, and both became confrontational without listening to me. If this is an FHA guideline, I 'd like to be advised of that. If this is a company guideline, I would have asked to speak with a supervisor who would be able to override this nonsense rule. 

Also, I was on hold for more than 20 minutes before being able to speak with an agent. I understand it is the last day of the month and a lot of people are getting payments in, so I understood that, but feel it is worth mentioning considering I used to work for a loan servicing company and whenever our Average Hold Time ( AHT ) was over 2 minutes there was panic in the office to get on the phones, and opportunities to work overtime. We do n't want people waiting that long!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Phoenix Financial was contacted regarding a medical debt on my credit report. I am uploading a copy of the letter that I mailed to them. Also proof that they did receive my letter. They have failed to provide me with proof of this debt. They have violated my HIPPA right s because I have not provided them my consent to pull my medical file. I have enclosed what I received from them. This is not proper documentation for validation of debt. I have reported them to the proper department for violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: The loan servicer fedloan never sent correspondence at the outset of the loan to let me know that they were the servicer and how to repay the loan. In XXXX of XXXX we researched XXXX loan servicers before we found fedloan. Once we found them, we immediately brought the account current, and set up an auto debit. Between XXXX and XXXX they reported over XXXX delinquencies on my credit report and refuse to reverse them. My credit is ruined, making it impossible to refinance any of my student debt. I am XXXX, have a good job, and am making my loan payments monthly. XXXX inadvertently did not get information to me regarding payback of the loan. They also sent me a document in XXXX discussing a forebearance request that I had supposedly made. I never made such a request. I would like to know what I need to do to fix the credit, and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Credit card) with NELSON AND KENNARD (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my XXXX card to pay my XXXX. So after I became default with my credit cards by XXXX and XXXX. XXXX sold one of my credit card debts to Nelson and Kennard Attorney at law / XXXX XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that XXXX have had some agreements with CFPB and state attorneys general. But because XXXX sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received an alert from Credit report monitoring service that negative information was posted to my credit report by I.C. System. I did not know what it was about so I contacted the collection agency. They said that they sent XXXX letters regarding the debt from Medical Doctor office and have not received any response from me so they have posted debt to my credit report. 

I have not received bills either from that doctor office or from I.C Systems. The bill was from XXXX XXXX when I was admitted to hospital with emergency child delivery and I paid hospital in full. I had no knowledge of bill coming from other doctor office. 
When I called I.C systems they kept saying that I was supplied the bills and have ignored them. I always pay bill on time, never had debt reported and I clearly was not aware of this. 

I followed up directly with Doctor office and they advised to deal with I.C XXXX. They said that letters were sent and returned by Post office as they were missing apartment number. They did have my phone on file but have not contacted me to notify about the bill. I am yet to file a complaint regarding this doctor 's office practices. 

I decided to pay I.C System in full ( {$300.00} ) as they now had my debt and I needed it removed from credit report. I made a payment in full on Monday, XXXX XXXX, XXXX. They said they will send update to credit report the following week. 

On XXXX XXXX I received a letter in the mail from IC Systems dated XXXX XXXX, XXXX that looked like initial letter from this company. It notifies me that they would like to collect a debt from Doctor office and would like to make payment arrangements. They even offered to use tax refund ( if there is one ) to cover this bill. There was no mention that they have already reported this to Credit Bureau. 

I believe the I.C System did not follow procedures. They reported debt to Credit Bureau before sending request for payment to me. I would have paid the debt and I do n't need to have it reported. In fact, I would have paid it to the doctor office if they did n't fail to contact me. Instead the lady from I.C System was rude and kept saying that I was delivered XXXX letters from them and previously from doctor, that was not the case. The 1st letter I received was the above mentioned.

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 10/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Settlement process and costs

Complaint: I Have been trying to modify an equity line balloon payment issue for 15 months now. I have attached the documentation that I just rec 'd by mail on XX/XX/2016, according to the documents, I need to have these returned by XX/XX/2016, this is not sufficient time, I could not get this there by then. 
Most importantly the agreement does not state the important facts, the interest rate I will be paying, whether the loan is a fixed rate or variable, the payment, or amortization schedule, and there is a capitalized amt, I have paid the int. pmt on this every month, never missed, never late.

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 10/24/2016 about Mortgage (Other mortgage) with EQUIFAX, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: Hard credit inquiry issued against me and my wife without authorization. Equifax ( unlike XXXX ), has refused to remove hard credit inquiry thus negatively impacting both of our credit scores.

Company response to consumer: Closed with explanation