milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Mortgage (Other mortgage) with ARVEST BANK GROUP, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Arvest Mortgage once again illustrating how they bulldoze thru the legal system. I have been in foreclosure and have tried to do a loan modification 3 times because of circumstances beyond my meanings have failed. This one tops the cake I started modification with XXXX on XXXX of 2015 when Arvest Mortgage failed to pay the General Contractor for repairs to the house. The General Contractor put a LIEN on the property for failure of Payment for repairs, even doe they have their inspectors have given them 100 % of completion. Once again NOT allowing me to once again to try to keep my house. I have filed Chapter XXXX Bankruptcy to try to protect my self with no help at all from the Attorney General. I have made complaints of this to the XXXX Attorney General where Arvest Mortgage Bank does most of there business and XXXX XXXX XXXX Attorney General because I 'm a Florida resident. As a Citizen of the United States I have rights. I have done research and Arvest Mortgage has over XXXX complaints with CFPB. I hope that a Government Agency will take charge against this company doing wrongful actions against the People of the United States. XXXX XXXX XXXX has been found guilty for the same reasons as Arvest Mortgage on wrongfully foreclosing on homes. Arvest Mortgage is acting like they are above the Federal and Civil Laws. Arvest Mortgage company is like the XXXX and the XXXX just because they have the money and resources they denies and do as they wish.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (I do not know) with CBC Credit Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: They are trying to collect a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I secured a mortgage back in XX/XX/XXXX from a bank and then re-financed my mortgage through what was then a company highly publicized and known for predatory lending practices called XXXX. Citi Bank, also known as Citi and Citi Mortgage either owned or bought XXXX XXXX and acquired the mortgages that they had. Me and my then wife filed for Chapter XXXX Bankruptcy back in XX/XX/XXXX. The bankruptcy judge sent notification to all those credit entities that were on my credit report, including CitiMortgage. These creditors had a specified amount of time to respond to the judge 's notification that I have applied for bankruptcy protection. 
CitiMortgage failed miserably in responding to notification that was sent to them, and the bankruptcy judge denied them access to be paid through the Chapter XXXX Bankruptcy Trustee. 
Already an entry on my credit report, this bank begins the process of transferring my account to THEMSELVES in an effort to have a derogatory entry on my credit report for a longer period of time than the law allows. They have absolutely no consistent data entered between the XXXX credit reporting bureaus. On my XXXX credit report, it has them on my report XXXX separate times with the name of the institution, address and phone number identically the same on XXXX entries ( transferring account to themselves ), and then the XXXX entry has a different name with a fictitious phone number that does not even belong to this huge bank. On my XXXX XXXX report, it has them listed on XXXX separate entries indicating that they transferred my mortgage to themselves. same exact information on both entries. On my XXXX credit report, they used the XXXX different addresses, but XXXX of them is not who it is proposed to being. They used the address and phone number of a phone number of " The XXXX XXXX XXXX XXXX line '' There needs to be more stringent penalties against banks, financial institutions and mortgage companies that attempt actions such as these because it detracts from the trust and faith that is placed in our systems as citizens just trying to do right by the laws that are put before us. 
I wonder what would happen to me if I tried such a deceptive and fraudulent maneuver!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I had a lease with Infiniti Financial Services for 36 months - always paid on time. At the end of the lease I extended it in order to make repairs to my car and was told I would receive a bill when I turned in the vehicle. I called their customer support a few times to verify this was correct since my auto-pay had stopped. 2 weeks ago I checked my credit score and saw it had dropped from XXXX to XXXX and there was a late payment notice on my account from Infiniti Financial Services. I called them and complained that they never sent me a bill or contacted me and they should immediately remove this incorrect report and also send me a bill. They said since the car was just turned in it would take 4-6 to receive a bill. I asked how come they reported me as late if the bill did not go out. They did not have an answer. I asked for proof that they sent a bill or that they were going to remove the incorrect reporting - they refused,

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Private student loan debt) with NELNET, INC. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX, a unit of Nelnet, sent me a notice of increased payments calculated on my student loan due to a variable interest rate. They repeatedly refused, and continue to refuse, sending me the complete set of calculations supporting the change in payments. They sent partial libor related data but never sent the full equation and explanation. I contend this is egregiously wrong and evidence of bad faith in lending and the process of collecting payments. I would ask that they notified of a valid complaint and an investigation commenced. Failure to share details such as this generally implies there is something to hide. My name is XXXX XXXX and phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Settlement process and costs

Complaint: I advised on XX/XX/2016 to order my appraisal, on XX/XX/2016 I asked to lock my rate. I received my appraisal on XX/XX/XXXX in XXXX XXXX ( where appraisers are plenty and I 'm in a NON rural area ) and my rate was NOT locked until XXXX XXXX and yet it was n't disclosed to me ( Rate lock agreement ) until XX/XX/XXXX. 
Rates have gone up tremendously from XX/XX/XXXX to XX/XX/XXXX and now I am paying to buy the rate to were it was in XX/XX/XXXX ... ( at that time I was getting a credit, this was not a buy down aka : discount point ) I am closing late on my home ... I gave my last document for clear to close on XX/XX/XXXX and yet my loan is still in underwriting. Due to my appraisal being delayed it slowed down my process for my CD, which I also still do not have. All of these issues have affected my closing on time for this home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In response to Experian " Report '' number : XXXX, I disagree with Experian 's handling of my request and do not believe that Experian is abiding by California and Federal law.
Specifically, Experian is wrongly requesting, " one copy of a utility bill, bank or insurance statement, etc '', however, this is not a requirement on California law. Furthermore, I do not have a bank account, utility bill, or insurance statement because I have been effectively locked out of the financial system based off false information on my credit report.
In response to Experian 's request for a government issued identification card, attached is a picture of my passport. However, this was previously provided to Experian so I am uncertain why Experian is requesting this document again. It is not very consumer friendly.
In relation to the requests for identification information, please see the below : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA. ( If there are other addresses on my file, these should be removed, my address for the past 6 years has been XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA ).
Furthermore, Experian should actually investigate my dispute, because despite the statements provided by Experian, I have given adequate information to request Experian verify the validity of the debt. Specifically, I previously stated that a record being reported by " XXXX XXXX XXXX '' for an amount of " {$360.00} '' is unrecognized and likely not valid because attempts to contact the reporting company " XXXX XXXX XXXX '' has resulted in no response. Indeed, " XXXX XXXX XXXX '' has refused to respond to any of my dispute letters or concerns and for months refused to provide any valid verification of debt.
Therefore, because XXXX XXXX XXXX can not provide a valid verification of debt, Experian should remove this information or conduct its own investigation into the record. Failure to do so would be a violation of State and Federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On   XXXX   XXXX   XXXX    ,  US Bank  allowed {$9200.00} to be fraudulently stolen from my checking account via  XXXX  counter withdrawals in another state ( {$5200.00} in  XXXX , WI and {$4000.00} in  XXXX , WI  ) in  wh at may have  been an inside job. We believe a bank employee turned off my fraud alert that should have contacted me when the account dropped below {$10000.00} and then they did not follow their own policy for sign off on a large counter transactio n ( the branch manager confirmed this in the   XXXX   police report ). They refused to provide access to any  video surveillance, lied to the police that they did not have any footage, as conveniently their system was being switched over during that same time. Additionally, they claim none of the individuals work there any more. They did not follow proper procedure to keep my money safe, were negligent at best and complicit at worst. They are hiding behind a 30 day window to avoid returning the funds that were stolen. I was never notified or contacted in any way about the large amount of money ( despite having fraud alerts in place ), and only discovered it myself through a routine evaluation of my finances. The signatures for the withdrawals clearly do not match my signature on file. I was at work  XXXX  medical students in my home state of Illinois during the thefts from my account. All they would need to do is to look at the tapes of the theft to know who is involved, which they refuse to do.

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 01/25/2017 about Debt collection (Medical) with Ability Recovery Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX word generated letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under XXXX but the companies refused to resubmit it and XXXX has no record of it being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Former landlord claims that I owe money for moving out of a property after I complied with all lease agreements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX is alleging that I owe {$250.00} for a " Previous Balance ''. I have disputed this claim multiple times over the past 3 years but no one will explain to me what the " previous balance '' is from. Focus Management ( the debt collection agency ) removed the debt from my credit after I disputed the debt and then within a few months added the debt again ( this happened three times ). It 's a cycle of harassment. Focus Management refuse to send me a bill that explains what I owe. XXXX XXXX required that I pay {$10.00} per pay statement to obtain a bill from them. It has been a ridiculous cycle. If they can prove that I owe something I will pay it but so far they have not validated the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Since my Citi AAdvantage account was open, it was set up on auto pay. I would always make the payment before the auto pay was scheduled which then would override the auto pay. Auto pay was set up as a safety valve. On the XX/XX/XXXX statement the due date was XX/XX/XXXX. When I logged into my account on XX/XX/XXXX to confirm the payment was through, I noticed it did not. So I manually made the payment. I then called Citi Bank to find out why the auto pay did not take place and they told me it was removed. I explained I am the only user of this card and I did not removed auto pay. The rep did n't care, what I was telling them. I also stated the late fee of {$27.00} should be removed because of a defect in their system. The call was then transferred to another rep and they were suppose to have a manager call me back, which never happened. This is a unfair practiced. Being a loyal and long time customer means nothing to them.

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 07/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: original debt owed to XXXX XXXX visa. 
over 7 years have passed, debt was charged off over a year ago. 
However, XXXX funding continues to report account as open and debt due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, Parcel No. XXXX in XXXX County. XXXX name is on the note from Wells Fargo N.A. 
In XXXX of XX/XX/XXXXXXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but hat my own financial debacle in XX/XX/XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XX/XX/XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XX/XX/XXXXXXXXBankruptcy was dismissed on XX/XX/XXXX. 
We received Notice of Sheriffs sale for XX/XX/XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XX/XX/XXXXNational Mortgage Settlement Agreement. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the XXXX XXXX XXXX rust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; Exhibit 2 XXXX XXXX definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX Trust Laws ; Note to Exhibit 4 XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have more information : Start of Application for Modification ( 3 of them ), Service of Notice of Sale 2 days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XX/XX/XXXX Chapter 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 12/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with UMB BANK, NATIONAL ASSOCIATION (MO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My employer deposited my payroll check via ACH to my checking account on XXXX/XXXX/XXXX for XXXX which would have given me an available balance of XXXX. I received a text telling me of the deposit on XXXX/XXXX/XXXX. I had a check for my rent to go through on XXXX/XXXX/XXXX for XXXX. I received another text alert on XXXX/XXXX/XXXX saying that the check cleared my account. Then I woke up to a text around midnight telling me that an overdraft fee posted to my account. I went into the branch the next morning on XXXX/XXXX/XXXX and talked to a rep who said the check was returned and I received an insufficient funds fee because when the check went through it took me negative XXXX. I asked him why and explained the deposit that I was alerted about, showed him the text messages and he basically told me that the text banking and mobile alerts are unreliable and that I should have looked at online banking to get my available balance. The text alert I received was not good enough because it did n't say my available balance and the only thing it was saying was my employer initiated a deposit. Basically telling me of the back office work. He said they have a 3 day window to post the ACH deposit to my account and they did it in 1 day. Then he said it could take them XXXX to 10 day to post ACH items and that was in the disclosures I received when I opened my account ( years ago ). He printed out my account activity but it had different dates that didnt go with the text and email alerts I received. He said he had to talk to his XXXX who wasnt there about refunding the fee. I asked was there someone else to talk to about this and he said the branch XXXX isnt there on the weekend and then gave me their cards and pointed out the customer service number and told me they can point me in the right direction or explain it better. He told me that had I deposited cash into an ATM it would be available immediately and I told him that 's not true and this had happen to me before but he did n't seem to believe anything I said according to the smirk on his face.

Company response to consumer: Closed with monetary relief