milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

Company has not provided verification of original debt and continues to report collection as new account. I have not had a XXXX XXXX card in 5-6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing statement

Complaint: My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgage servicer Rushmore Loan Management Services did not provide me with the Notice of Transfer Letter in accordance with 12 CFR 1024.33. The transfer was done on XXXX XXXX, 2015. Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). I, the borrower should have receive the notice from the servicer at least 15 days before the date of transfer of servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: I met the qualifications for Citigold Checking 's Promotion for XXXX XXXX XXXX XXXX ( Promo XXXX ) on XXXX XXXX, 2016. This information was confirmed via letter XXXX sent from Citibank on XXXX XXXX, 2016. In the letter it states " allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' It has now passed 90 days, and there are still no XXXX XXXX miles deposited into my account. I have called Citigold 's customer service team on various occasions to follow up on this promotion, but unfortunately no compensation for receiving the promotion has been given. While I tried to work with Citigold 's customer service team to resolve this issue, I am now resulting to filing a claim over 100 days after meeting the promotion requirements. Thank you for taking the time to review this request.

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 08/29/2016 about Debt collection (Non-federal student loan) with NELNET, INC. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a Cease and Desist to Firstmark XXXX Services via email to XXXX XXXX on XXXX XXXX, 2016, I was then contacted by XXXX XXXX with Firstmark on XXXX XXXX, 2016 trying to collect a payment that only a few days late. I reiterated I sent a Cease and Desist and she replied there was no record of it. I sent another Cease and Desist on XXXX XXXX, 2016 to XXXX XXXX via email. They are still sending me emails other than my monthly and also sending harassing letters to my father. I need this harassment to cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: I got a message on my phone that someone was added as a wire transfer recipient. I tried to log into my account, but the password had been changed. I was able to sign in with my phone using touch access. I saw that there was someone added as a recipient and money had been wired out of the account. I called the bank and asked them to cancel the transfer. While on the phone with the representative XXXX more transfers came through. The representative had asked if I had called in earlier in the day, because they showed that someone had called in. Someone had stolen my account information and was accessing my account. Even though I called right after and during the time the transfers were posted the bank was not able to stop the transfers and I had to file a claim. Throughout the process I was told that it could take up to 10 days for there to be a resolution and the money returned to me. My claim was filed on XXXX and as of today XXXX the money still has not been returned to me. I have called the bank multiple times and been transferred around every time even though I follow the instructions on what options to push. Every time I call they tell me a different option or who I need to contact. I have spoken with " managers '' or senior specialists multiple times and all but XXXX did not seem to know or understand the bank 's process or how to handle my claim. The last manager I spoke with on XXXX advised that the money would be back into my account by the end of the day ... it was not. I have probably spent between 6 and 8 hours on the phone attempting to get this issues resolved ; always with different answers and nothing ever really being done. While writing this up I am trying to call the bank right now and have been on hold for over 20 minutes. I 've had to hold off on paying certain bills and it has been somewhat of a struggle stretching out the money that I do have that was n't in my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: i am about to get out of bankruptcy and payoff mortgage in XX/XX/2017 with phh mortgage they did not give me escrow analysis in 5years know they give me one in XX/XX/2017 and say i owe XXXX dollars they can not tell me the dates when this started they are not telling me nothing in writing could you look into this matter i wrote the trustee in this and contacted the bankruptcy lawyer no response my loan # XXXX phh mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage payment was mailed in 9 days late. We received an extremely harassing telephone call from 21st Mortgage Company, threatening us with damaging our credit by reporting it late if we did not turn over our bank account information for immediate payment withdrawal, and telling us putting it in the mail was not acceptable. The person on the phone, when his information was requested, said his name was XXXX and he was our account manager, and refused to provide any other information. He repeatedly tried to bully me into providing my account information, and I finally cornered him into admitting the payment was not late yet. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX, am the authorized third party for XXXX XXXX XXXX XXXX. I 'm helping him apply for a loan modification with Ocwen, his loan # is XXXX. Ocwen approved him for a HAMP tier 2 modification on XXXX/XXXX/XXXX which only lowered his payments by about {$400.00} per month which did n't help him make the payments more affordable. We sent Ocwen a letter the next day on XXXX/XXXX/XXXX stating that this modification did n't help them and they would like it to be closed out and reviewed for an in house modification to see if maybe there was a better modification offer for them. Ocwen then said it would take a few days to close it out and it was never closed out until XXXX/XXXX/XXXX. It took about a month to close it out after we sent them a letter and they received it saying it would be closed out any day now. We resubmitted updated documents at that time XX/XX/XXXX to be reviewed for an in house modification, when at that point Ocwen then again approved it for a HAMP tier 2 on XXXX/XXXX/XXXX with identical payments which again did n't help the borrower. I have now sent them a letter asking them AGAIN to close out the review and review XXXX for an in house modification and they keep saying the same thing again saying, give us a few days and call back and it will be closed out and nothing is being done to close out the HAMP tier 2 approval and review him for an in house modification. This is XXXX 's last hope to save his home, if they can offer him a lower payment with an in house modification he can keep his home and I 've seen very great in house modifications with Ocwen so I know it 's possible but they keep dragging their feet and XXXX keeps falling further and further behind. If you can please help XXXX 's family out by having Ocwen expedite the process by closing out the HAMP tier 2 and reviewing him for an in house modification this would make a huge difference in their lives, they do not want to let go of their family 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with AFNI INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've never had an with this company AfNI.No one from this company has ever contacted me or phone or mail. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A debt collection appeared on my credit report recently. This debt was from a utility company in Michigan. It appeared originally around XXXX. I disputed it with the utility company then and it was removed. Now 4-5 years later it reappeared thru a collection agency. I disputed it with them and they were going to provide a report to the utility company as I do not and have not lived in Michigan since XXXX. After speaking with XXXX I was advised to file credit fraud to prevent this fraudulent debt from being sold to another debt collector and reappearing on my report. The amount in {$4000.00}. I cant believe that a utility company can let someones bill accumulate that high without a disconnection of service. It sounds like they are trying to pass their mismanagement issues on to me. 
XXXX XXXX XXXX id # XXXX Amount {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a collection on my credit reports for Midwest Recovery Systems for {$770.00}. It was opened XXXX XXXX, 2016. I have no knowledge of this account. Also I am a resident of North Carolina. This company is not bonded nor licensed to collect debt in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Medical debt) with Continental Credit Control (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the fall of  XXXX , my wife received pre-authorization for a medical procedure from her medical group,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  The procedure was performed by a subsidiary of  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . THIS WAS A FULLY COVERED PROCEDURE, but we received a bill for the full amount, {$1300.00}.      XXXX  claims the payment was made ;  XXXX   XXXX  claims it was not. Our insurance provider,  XXXX   XXXX  of California has been unable or unwilling to resolve the dispute, despite my wife 's repeated calls over the course of a year and a half -- including three-way conference calls.     On  XXXX   XXXX ,  XXXX , with the bill still unpaid, my wife filed a letter of grievance with  XXXX   XXXX . Again, this produced no conclusive action. The bill has now been sent to a collection agency, who has added interest to the original balance. It bears repeating that this was a FULLY COVERED, PRE-AUTHORIZED PROCEDURE.     This is NOT a small matter of a book-keeping error. It is my firm belief that  XXXX  or  XXXX   XXXX  or  XXXX   XXXX  or perhaps all three are engaged in MEDICAL INSURANCE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

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 12/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Forbearance / Workout plans

Complaint: I have a payment plan with American Express and money management international which has been paid on time but Amex is showing no payments received since XX/XX/XXXX. My credit score has dropped by XXXX points and I am not getting any response from Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 10/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONWIDE ADVANTAGE MORTGAGE COMPANY (KS).
Issue: Loan modification,collection,foreclosure

Complaint: I was late on payments, applied for modified payments and met the requirements. Nationwide wants me to sign a modified mortgage agreement which will extend my mortgage for XXXX years at {$580.00} a month. I currently have a loan agreement for XXXX years at {$610.00} a month. 
Or I have to make up the difference between the modified amount and normal amount which is {$1200.00} or be foreclosed. 
The extended years if I am unable to refinance with have me over {$20000.00} on a mortgage I only have $ 54,000+/- left. 
Why if my loan is extended, the payments are n't lower?

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (CA).
Issue: Money was not available when promised

Complaint: Dear Sir, I am a customer of Citibank ( checking XXXX ) and I desired to make a private investment to a counter-party from such checking account. 
The investment agreement required me to have paid by XX/XX/XXXX and included a {$500.00} late-payment penalty if my funds were not available to the counter-party by such date. 
I triggered a check payment onXX/XX/XXXX through the citibank portal, and, given that my checking account had ample funding for the transaction ( and continued to have ample funding throughout ), the Citi-portal issued the corresponding check. 
The check arrived at the counter-party XX/XX/XXXX. With the check-arrival confirmed and ample funds in my bank I left for an extended trip into the XXXX region in XXXX, where I was offline for 10 days. 
The counter-party managed to cash the check, however, the debit to her account was immediately reversed by Citi 's internal fraud department, who suddenly, without any reason to do, decided that this was an unusual transaction and that they needed to speak to me on the phone to confirm 10 (! ) days after the check was issues through the citi portal, and one day after it was deposited by counter-party. 
As I was offline citibank could not reach me an called back the funds. 
As a consequence defaulted on the contract and had to pay {$500.00}. I have been in many many correspondences with Citi to reclaim the  {$500.00} without avail. 
My complaint is as follows : When issuing a check from a funded account I need to be able to rely on citibank making the payment. If there are doubts in citibank 's fraud department then those need to be addressed as the check is issued - not 10 days later when the check is cashed. 
Citi needs to own its mistake and make me whole.

To be very honest - with the time and effort I have investment to this date I feel {$1000.00} is more appropriate at this stage, as Citi is now  delinquent for 18 months. 
Best regards, XXXX 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 02/13/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: The bank honored a check that was dated a month in the future. Granted, the vendor should not have submitted this check, but the bank thinks it is fine to ignore the date on the check. Why do they even have a date line?

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 06-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX and XXXX XXXX XXXX somehow has reach out to let me know Resurgent Capital Services now owes this XXXX account. Which is claim I owe someone. I am unaware of this account or the debt that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Application, originator, mortgage broker

Complaint: HelloI recently applied for a refinance on my home mortgage. from Green Light XXXX XXXX and division of Nation Star Bank. After many weeks of working on forms and sending documents to them. I was told we were going to close on the loan. The mortgage do not pay on your existing loan. The mortgage did not answer my calls. Then Nation Star wanted there late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Equifax should n't divulge my information without my consent. No consent was given.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have sent numerous disputes but the company never replies to me nor remove these itsms

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 11-10-2015 about Debt collection (Mortgage) with Ditech Financial LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A Deed-in-lieu ( DIL ) of Foreclosure was negotiated with my lender GreenTree and an acceptance of the terms was delivered on XX/XX/XXXX. In the acceptance letter, GreenTree stated that " Acceptance of this DIL is a " FULL '' satisfaction of this indebtedness. " on XX/XX/XXXX I ran my credit and noticed on XXXX Ditech Financial LLC., started to report me ( 3 years later ) as having a mortgage balance of XXXX which is incorrect and should have been shown a satisfied. I think this also is against the new debt collection law in Florida after a foreclosure, short sales or DIL regarding the collection period. Ditech is ignoring my request to remove this error in reporting even after I set them this information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation