milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Closing on a mortgage

Complaint: Citibank Exe Response Unit has sent me a copy of a falsified closing of a Heloc loan for XXXX XXXX XXXX XXXX.  The document was never seen by me before Citibank supplied it by email XX/XX/XXXX and has a signature for me fromXX/XX/XXXX but was not signed by me.
The document does not accord with the requirements of the Heloc department which has told me that they do not ask for social security numbers.
The document datedXX/XX/XXXX requests that the account be closed immediately Citibank variable rate account source sent by Exe Response shows the account open throughXX/XX/XXXX. I have supplied the document to the Citibank Heloc department attn XXXX ( supervisor ) for verification.
In XX/XX/XXXXper a letter of authorization Citibank was to produce all my documents to me.They failed to produce the mortgage for XXXX XXXX XXXX XXXX NY XXXX I have repeatedly requested these documents and have been told that they are not in their computer. I would like a copy of all mortgage documents including the closing and any loans.
This complaint is related to the complaint you investigated per the letter from the Attorney General concerning the false POA documents to XXXX XXXX  and several other lawyers used without my knowledge on Citibank mortgages.

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 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector continuously calls multiple times a day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (IA).
Issue: Settlement process and costs

Complaint: I am a XXXX Veteran, using my VA loan. I purchased this house in XX/XX/XXXX. The house came with a separate lot, that has nothing on it, with a separatelot # and legal description. My intention was to sell this lot to pay off bills. When Itried to sell it, the mortgage company said I had to own it for one year before Icould sell it. XX/XX/XXXX, I refinanced at a lower interest rate, and to sell the lotright away. I have many emails from 360 mortgage saying that after we refinanced, we could sell it right away. On the day of signing the new papers for mortgage, Ihad to call 360 mrtg to ensure that it could be done right away. I was told yes, andthat I had to sign papers that day as they were time sensitive and would all have tobe redone if I did n't, so I signed them. Now, here we are in XX/XX/XXXX, and it all is nofurther than in XX/XX/XXXX. I spoke to the VA company, and was told that it can be done, and that 360 mrtg is just not doing it, and wants to charge me all these fees on topof the {$8000.00} some dollars they have already charged me. My realtor has also been involved in this entire process and can attest to everything, and has also receivedemails stating it will be no problem. Ca n't I sue them for breach of contract, since I have proof of what tey said? They are 360 Mortgage Company.

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 non-monetary relief
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: My parents home ( they are deceased ) has been empty and awaiting resolve for 3 years this net month. The loan has been sold from XXXX to XXXX, XXXX and now Rushmore. I am unable to get resolve in any way. The home was held in a trust, and therefore, we are not liable, however, as they hold it in limbo, I continue to receive bills for taxes and hoa dues. As well as late mortgage statements. I have tried to sell, modify and keep the home. To no evail because of their incompetency. They changed the locks over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted an EFT form to PNC Mortgage XX/XX/XXXX authorizing monthly electronic mortgage payments to be made commencing XX/XX/2017. I highlighted the date that this process should start and PNC Mortgage failed to process the form correctly. PNC Mortgage electronically took the XX/XX/XXXX mortgage payment out of my checking account on XX/XX/XXXX. PNC Mortgage told me that I would have to wait one week to get my money returned by mail once PNC Mortgage received a letter from my bank guaranteeing the funds that PNC Mortgage already has taken from my account prematurely. I made my XX/XX/XXXX mortgage by mail and it was paid on XX/XX/2017. I was told by customer service that my next payment is due XX/XX/XXXX. This is an undue hardship for me and I want reimbursement for the overdraft fee of {$36.00} that my bank is charging me and well as my payment of {$650.00} electronically transferred back into my account immediately PNC Mortgage refuses to EFT my account for their taking of my money prematurely. This is money I need now to pay other bills and PNC Mortgage will only operate their way and I think it is outrageous that it can prolong reimbursement to a consumer for an overpayment of a mortgage payment especially. It is n't like it 's a {$25.00} charge ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (HI).
Issue: Trouble during payment process

Complaint: My property taxes decreased from approx. $ XXXX to approx. $ XXXX. I called XXXX customer service on XX/XX/XXXX to ask that my escrow account be re-calculated, my monthly payment refigured before my next payment due date of XX/XX/XXXX and any excess money in my escrow account refunded to me promptly. The agent advised me to submit a request via the message center on the XXXX website. I did this the same day - XX/XX/XXXX. Shortly after I received a text message ( see attached ) confirming my email message was received. As of today ( XX/XX/XXXX ) I had not received any other response. So, I called the customer service center again ( the escrow/tax department @ ( XXXX ) XXXX ). The agent I spoke to said they had NO RECORD of my email communication! He also stated they would review my escrow account in XX/XX/XXXX/XX/XX/XXXX. I am requesting my escrow account/property taxes be reviewed and adjusted immediately. The agent was unwilling to do that. I asked to speak to his supervisor and he stated there was no supervisor available. My new monthly pay will be approx. {$290.00} LESS than it currently is and I am also due a refund for excess money being held in escrow. I submitted my original request on XX/XX/XXXX and am asking my new payment be reconfigured before my XX/XX/XXXX payment due date and excess escrow funds be dispersed to me promptly. Thank you for your attention to this frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been working to pay off my debts which include my student loans and car loan. I have not always been faithful in making payments but within the last 3.5 years I have committed to paying my loans off. I have talked with Navient on several occasions on how they allocate my payments ( principal vs. interest ). They have failed to fairly adjust the allocations. This unethical practice is unjust to me as a borrower and will keep me in debt on an account that can be easily paid off. At the rate I'm going I will finish paying off my car loan ( which had a higher balance and higher interest rate ) before my student loans will be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive any communication from the company. I did not even know about until it showed up as collection on my credit report. I can not even ask for proof because I never receive a demand letter or any other communication from them. The debt collector is Enhanced Recovery. It is on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Debt collection (Auto debt) with CFS Holdings, Inc (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I requested not to be called by Confident financial Solutions. I spoke to them and let them know my husband had been moved to bi-weekly paychecks and I would make a payment when I can. 

I have been recieving phone calls Daily even though I asked them not to. It is bad enough I stopped answering my phone. Then I began recieving email a couple times a day. They also began calling my Mother in law and Father in law at home and work. They discussed my loan even though my In laws are not on this loan at all. 

The final straw arrived today XX/XX/XXXX. I received a message on my work XXXX page. They made it seem like I was a friend they had lost contact with and was double checking I hadn't changed my number. 

When I said I didn't know who they were they responded. 
" I am with Confident Financial Solutions. I have Great news for you. Can you call today at XXXX '' This is beyond unprofessional and I am now scared to even answer customers questions on my XXXX account. The fact that they used an employees XXXX  to contact me is unethical and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Citi Bank offered a {$400.00} bonus if I deposited {$15000.00} for XXXX month and then kept this there for additional XXXX months. I sent the money on XX/XX/XXXX and kept this for the required XXXX months. Citi Bank states I met my requirements and has still not paid me as of today and should receive the bonus on XX/XX/XXXX. 
Today ( XX/XX/XXXX ), I still have no bonus.

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 09/14/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (DE).
Issue: Deposits and withdrawals

Complaint: Recently I have had several thousands dollars wired from outside acct into my Citi Bank checking acct. What shocked me is Citi charged me {$15.00} for service fee. It is such a ridiculous policy to punish its own customer to put $ $ to his Citi account. That explains again why Citi performance XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/26/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (VA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP. 
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. Hard inquiry from Citizens Bank on XX/XX/XXXX, that I didn't know about. 
2. Hard inquiry from XXXX/XXXXr on XX/XX/XXXX, that I didn't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I didn't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I didn't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received any communication from this company. Not a letter, a phone call or any collection attempts from this company. I learned about them when they showed up as an open collections account on my credit reports. They began collections on an old XXXX charged off account from four years ago or so. It may have been an account that was discharged in my Chapter XXXX bk in 2010 for all I know. They reported this account as a new collection account and have continued to present this debt as a much newer and ongoing collection account. When I attempted to contact the company many months ago using the contact information provided on the credit report, I was unable to reach this company. The phone number was bad. I disputed the information, however XXXX of the consumer reporting agencies somehow sided with this agency and so this fictitious account remains on my reports and is continuing to negate the last two years of hard work I 've put in on rebuilding my credit. I would also like a letter of apology for misleading and harmful information the company has continued to file, or a letter reporting the true account information so that I may include this letter with any credit or mortgage application to show that I am not currently delinquent, and it will show that I have been current on all my accounts for over two years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Student loan (Federal student loan servicing) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have requested several times that Aspire Inc ( http : //www.aspireresourcesinc.com/ ) take the phone number of my previous place of employment off of their contact information to contact me with questions regarding my loan with them. I have, several times over the phone, requested they use my current phone number to contact me and not my previous employers ( who I have not worked for since XX/XX/2015 ), and yet they continue to harass my ex-coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX has removed a collection from my account a year ago & just recently it has been reinserted without sending a notification within ( 5 ) days.

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. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I finalized my home modification with Chase Bank in XX/XX/XXXX. It was a long and painful process fraught with lost paperwork, trial period after trial period, etc. My story in that regard is probably like literall millions of others. However what makes mine different is that unknown to me, until just a week ago, my house had been foreclosed upon in XX/XX/XXXX. Meanwhile, it is now XX/XX/XXXX and not only has my family been living in our house, but we have been paying the mortgage since XX/XX/XXXX. We get a statement from Chase every month, and we mail in payment. Since XX/XX/XXXX, we have paid around {$110000.00}. However, deeds and records show that while we were in our " trial '' period, they foreclosed anyways. We are nowhere on the deed filed with our county. I believe that we have been defrauded from our home while Chase Bank keeps cashing our checks like nothing is wrong. I have consulted an attorney but ca n't afford to pay him. He said he believes we have a very good case to sue for fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On  XXXX  I was  XXXX  for  XXXX   XXXX   XXXX    XXXX   on  XXXX  I realize that my account has been used without my consent I reported it directly I had over a hundred charges that I could not have done and did not authorize I was informed as of  XXXX   XXXX  that my claim was denied without any reasons I then asked why I was n't covered under  zero  liability I was then never given the reason

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 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was informed about this when I pulled my credit report. I contacted the company and was insured that if I would do the pay off it would be completely removed from my credit. So I paid the amount they asked for and it 's still on my report. It 's been over a year and when I call they hang up on me. I ca n't get no one to talk to me about this.. I 'm a single mom who 's trying to buy a home and I hurt myself trying to pay the complete amount to insure it would be removed from my credit report. Please someone help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief