milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IN).
Issue: Settlement process and costs

Complaint: We filed to have a modification back in 2013. Our FHA loan was through Citimortgage. 
HOPE after a year and a half, lowered our payments {$26.00} and because we were told not to make payments, Citimortgage reported us late every month. Screwing up our credit but then making us sign a paper saying we had to then pay {$11000.00} back when the mortgage was paid off or the house was sold. etc. I asked for an itemized statement for the {$11000.00} in charges and I still can not get one.From the HOPE ( HUD ) that did our modification. Why should I pay that back when they really did nothing but take what we were behind and put it to the end of the mortgage ( which Citimortgage should have worked with us on ) and now we have to pay it back? Our credit is wacked, they lowered it a measly {$26.00} and we now have a {$11000.00} note when we sell our home?

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 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: `I am trying to do a repayment plan with Caliber Home Loans. 
I have called in many times and was told I was " approved for a 12 month repayment plan '' They told me the downpayment of {$70000.00} must be in by XXXX XXXX ( I was told the letter is in the mail and I should receive it on XXXX XXXX a day after it is due to be there ) as of now II have received no paper work from them at all. I am reluctant to release {$70000.00} to them with out anything in writing stating that the NOD will be removed, further they said I must pay $ 9600 month on the balance owed which should be {$39.00} and should be divided by 12 months.which comes to much less that {$9600.00}. the reason why I asked for a 12 month repayment plan was to have affordable repayments. It turns out that they are charging me more money than the statement says I owe and they are charging me late fees for the months I am behind in addition to the late fee on the statement charging me for those same months. They also are computing the 12 month repayment plan on 11 months which is unfair and raises the monthly payment. I am unable to talk to anyone besides a point of service person who tells me that all the numbers are computer generated and no one can make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Sears Mastercard Billing Dispute and Fraud XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Citi Bank Billing Disputes Mastercard : XXXX  _____________________________________________________________________ Sears is giving me the run around and I should have to go through this. I have sent over thirty pages by fax 4 times to their billing dispute department and every time I call, it highly appears they are lost or can not find any of the documents I sent to them about the merchant that deceived me for several months by theft by deception with false impressions for him to obtain a very large financial benefit from my credit card. By this merchants misconduct he knew my XXXX child needed XXXX XXXX XXXX XXXXs and the merchant withheld that information from the family court since XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> just to get money, and he left me special needs child 's life dangling by a string and he did not care if my son XXXX or live. This merchant cause harm and damaged my XXXX XXXX  child and put his life at risk causing a forced removal away from his medical treatments, rehabilitations, and specialize team of medical specialist. I had to hire another merchant lawyer to clean up this mess in a emergency, as this merchant XXXX XXXX of XXXX XXXX XXXX never appeared in court or filed a court motion ever. I found out the truth on XX/XX/XXXX when the family court clerk told me this merchant XXXX XXXX was never on any record in the Court ever. My family and I have been through so much and now Sears whats to play games and cause more unwarranted hardship, even after I sent them over 30 pages with proof. I have filed a complaint in the US Dept of Justice against this merchant for the violations he has conducted and that it other victims he did this to going back to XX/XX/XXXX when they filed lawsuits against him for the same misconduct. Please he this company fight for me and not against me to cause more damages. Because of this horrible merchant and his deception, my case went to the second highest court in the the state of new jersey called the Appellate Division of Superior Court costing me a financial lost of over {$25000.00} now and damages.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The interest keeps climbing and my lian amounts nearly doubled, which makes it merely impossible to pay my student loans. Im a single mother, and I barely make it day to day for basic necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Third party collections bought my debt, which is 8 years old - 7 years ago. They have called my home, my work & various cell phone numbers no less than 4 time a day for in excess of 7 years. They pester me endlessly. Not only does this does this debt belong to my ex husband, not me, it has exceeded the amount of time to take action on and third party collections are non enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Credit card debt) with Vengroff Williams, Inc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received letter dated XX/XX/17 from Vengroff Williams , Inc. stating we owe {$430.00} for a credit card charge back for their client XXXX. We have never had a XXXX credit account. Letter stated it was a second attempt. Never received first notice. We believe this is fishing, fraud, scam or identity theft related. We tried to call company but can not reach someone live and are concerned about fraud and leaving information on voice mail. Account number listed is XXXX, reference number XXXX. Letter is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On XXXX Capital One accounts with XXXX and XXXX I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other fee

Complaint: I have a care credit care with synchrony bank. I have had this card for several years, with no problems. However on my last billing cycle I had an undeferred ( due in 25 days ) amount of {$110.00} charged on XX/XX/XXXX and a deferred amount for {$83.00} ( due to expire XX/XX/XXXX. I also was carrying a deferred interest charge ( due to expire XX/XX/XXXX ) of {$230.00}. I wanted to avoid interest so I paid {$190.00} on XX/XX/XXXX ( the underferred amount of {$110.00} plus the soon to expire {$83.00} ). When I received my statement for this current cycle there was a {$2.00} service fee and a balance of {$25.00} from the XX/XX/XXXX charge. I called the company on XX/XX/XXXX and asked why they did that as they had never misunderstood my intentions before. I was told I had to call and tell then to apply the payment to the undeferred amount. They said they had to follow federal guidelines and apply these amounts as they did. From what I can read on the Federal guidelines a company must allocate a payment in such a way as to minimize customer interest and fees. This is not what has happened. There was no reason to apply any of this payment to the {$230.00} amount as it was not due to expire for another 10 months. I find this reprehensible and an unfair practice as regards the consumer. I called the XXXX card people today ( who are also with Synchrony Financal ) and they told me I could not direct them to apply my payment to the undeferred part of that card until the payment posted so I would have to call them back. They could NOT put a note on my account indicating that was my intent with the payment I sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Consumer background check was requested. Upon review a name other than my own was shown to on the report. Everything was identical to my information other than the first name.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). 
Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. 
Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. 
Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i am not sure of the balances but before i turned XXXX on XX/XX/XXXX my mother discovered someone used my information she contacted XXXX XXXX and XXXX XXXX they closed the account due to fraud. she than contacted experian credit bureau to make sure the accounts were taken off of my credit file. They had her submit multiple documents back in XX/XX/XXXX. The accounts still were n't removed when I turned XXXX in XXXX I contacted them again they made me submit the same documents in XXXX of XX/XX/XXXXand the accounts still remain on my credit file. The customer service rep even attacked me like it was my fault some used my information fraudulently. I do n't understand if the company closed the account due to fraud why experian as not deleted the information

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 05-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: 1 month after escrow analysis was completed on my account, my next 3 month bills were billed an additional {$5.00} with no indication of where the increase amount came from on any statements.     I called cust omer service and spent over an hour and a half on the phone trying to figure out WHY I was charged this additional amount. The agent continued to claim she could n't find any reason but her and manager thought it was probably related to PMI being removed and hazard insurance decreasing ( which did not explain the increase in my bill nor why the increase happened AFTER escrow analysis ). After speaking with escrow dept, my customer service agent finally reported that there was " a glitch in our escrow system that affected many other accounts as well. '' Nationstar 's clients who were affected by this " glitch '' need to be made aware and refunded ASAP. It has been 3 months since the " glitch '' with no correction nor refund issued from Nationstar. The manager who was suppose to return my call never did.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.

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 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, 2017 To Whom It XXXX Concern : The following accounts are showing on mycreditreport that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from mycreditreports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$210.00} XXXX {$630.00} XXXX {$330.00} XXXX {$510.00} XXXX {$4100.00} XXXX {$3700.00} XXXX {$1900.00} XXXX {$3400.00} XXXX {$2700.00} XXXX {$9300.00} XXXX {$3900.00} XXXX {$5000.00} XXXX {$7400.00} XXXX {$1400.00} XXXX {$2500.00} XXXX {$4300.00} XXXX XXXX {$1400.00} XXXX XXXX DEBT {$270.00} XXXX DEBT {$630.00} XXXX XXXX XXXX {$180.00} XXXX {$110.00} XXXX {$6900.00} Thank you for reviewing this and getting these items off my report immediately. 

Best Regards, XXXX XXXX XXXX : XXXX SSN : 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 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Markoff Law LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Markoff Law, a collection agency is contacting me about a debt from the city of XXXX that is A ) Past the statue of limitations and B ) was included in my bankruptcy. 

This is a very old debt from XX/XX/XXXX or XX/XX/XXXX. 

This company is attempting to collect a debt that is no longer legally collectible. 

I have worked had over the year so repair my credit and I do n't need some bottom feeder collection agency trying to strong arm me into paying a debt that is no longer owed with threats to place a negative entry on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Settlement process and costs

Complaint: We applied for a modification of my mortgage XX/XX/XXXX and the modification was approved XX/XX/XXXX. As of XX/XX/XXXX, we have not received any paperwork regarding the finalization of the modification from Bayview Loan Servicing. We continue to receive late notices from our primary lender ( XXXX XXXX XXXX ), as only partial payments are being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Wednesday XX/XX/XXXX I paid Credit Acceptance XXXX to redeem my repossessed XXXX XXXX XXXX. I spoke with the redemption dept who set up a payment plan to bring the account current. The next payment was due XX/XX/XXXX in the amount of XXXX give or take a few cents. I was n't advised there 's no grace period and I made the payment on XXXX/XXXX/XXXX after talking with a representative that called me on XX/XX/XXXX explaining the arrangement is no longer valid and can not be reset even if I made the payment with them. They wanted to know why I could n't make the payment on time. I explained to rep ( her ) that " I stopped working XX/XX/XXXX. I had an unemployment claim already opened so when I reported my unemployment it was attached to the claim that expires on XX/XX/XXXX after which you have to file a new claim even if you 're are n't working. Well I started a job on XX/XX/XXXX so my new claim is only for 1 week of unemployment. After waiting 30 days for the claim to be approved I was told because I 've never received payment under the new claim, it wo n't payout the 1 week until I report unemployment again. That was {$500.00} I needed and was counting on to help catch up all my bills. '' I have never heard of a no grace period, no was it explained and there 's no paperwork explaining the repayment plan and the consequences. All these arrangements are done via the telephone. On XX/XX/XXXX I called Credit Acceptance to confirm the payment and was told by the rep that I have to pay XXXX every two weeks until the account is brought current. Right now the account is maybe 30 days late meaning I owe 1 payment. I asked to make a payment on XX/XX/XXXX which is my payday and he stated he can not make any arrangements past the date of XX/XX/XXXX I made the payment today for XXXX and they are still threatening to pick the vehicle up every 2 weeks. The only way to get back on a payment plan is basically let them pick the vehicle up and then pay the fees and costs for the repossession and I they will work something out for you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Mortgage) with Ditech Financial LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX, XXXX & XXXX, XXXX, XXXX, XXXX AND NOW DITECT IS TRYING TO COLLECT A DEBT NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (AL).
Issue: Other service issues

Complaint: I opened an online account with Coinbase to purchase some XXXX. The purchase was made and the transaction completed, and the XXXX was shown in the balance. However, recent attempts to access this account have been blocked. The company has instituted some sort of extra verification code requirement in order to login, and I do not own a device capable of receiving this type of text message. They apparently ASSUMED that my internet-based phone number was for a cell phone, but refuse to either help me or even communicate with me in any way, despite completing their online request form ( twice ) as well as expressing my frustration with them on XXXX different XXXX tags. Zero response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with All State Credit Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After moving out, we were contacted by the apartment manager that we had to pay x amount of money for damages. We called repeatedly asking for more information, because we did not damage anything during our time there. We never heard a response. They continued sending us letters that told us to pay. We sent letters back begging them to tell us what the damages were. We told them, we were not going to simply hand them over money for something, especially when they wo n't tell us what it was for. Some time passed, and we get contacted by a collection agency. They go on to tell us that we owe money for damages to our apartment. I ask what are the damages? All this time and no one would tell us!! The collection agency did n't even know! They said they had to contact the apartment complex to find out. Another two months pass, I called the collections agency almost every day trying to figure out the problem. They finally receive an answer. They said the damage was to the carpets. We definitely did not damage any carpets. I asked them to send us proof of the damages and pictures. They send us a letter that simply tell us the price to pay. No pictures. No details. I believe we are being lied to here. And, during the time of this charade, these XXXX agency have successfully damaged my credit score.

Company response to consumer: Closed with explanation