milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am extremely angry and dumbfounded at the way Citi Mortgage has been handling my case! At first, I was advised I needed to provide all necessary documents to get a review for My City modification and Principal Reduction Program. My home is severely underwater and I was advised by my lender that I do qualify these programs. Now I am getting noticed that my account will not get reviewed because of a court that I was already granted my home back! Please review the letter and evidence of my case because it is so unfair that I am not getting reviewed!

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 05/22/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX ,  XXXX , I contacted Monterey Collections at  XXXX  in response to a debt collection notice dated  XXXX   XXXX ,  XXXX , from  Monterey  Collections for their  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Account No.  XXXX , in the amount of {$1200.00}. The original amount of the debt to  XXXX  was {$1100.00} from  XXXX   XXXX ,  XXXX , and payments were made to  XXXX  through their website between  XXXX   XXXX  and  XXXX  of  XXXX  until the amount was paid off.     The collection agent I spoke with was extremely rude to me and refused to let me speak or even finish a sentence. When I told him that I was disputing the debt, and that the original amount of the debt was less than the collection notice, not to mention all the payments, he said that I would have to provide proof of payment to  XXXX , rather than him requesting same from the company.     I also told him that the collection notice had an incorrect name for me, and he said it did n't matter. Throughout the conversation, he bullied me, would n't let me speak, talked over me, was harassing and ruder than anyone I have ever dealt with over the phone and caused me to be extremely anxious and in emotional distress.     He refused to let me talk about the facts or numbers in question and kept saying that he would have to get a copy of the original agreement. Collection agencies should have proof that a debt is actually owed before they start harassing citizens. Also, when a consumer disputes a debt, there should be a professional response from the collection agency, not bullying, condescension, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Unsolicited issuance of credit card

Complaint: When I created a PayPal account to purchase a product through another vendor, they signed my up for a XXXX XXXX that I never agreed in opening. Now monthly I have a ding on my credit report as they state that they can not close or do anything about the account as it belongs to a different person with the same name but different date of birth, social security number, address and phone number. They state it was due to identity theft but neither of the XXXX organizations that I have monitoring service with state identity theft and that all information points to PayPal services with the billing address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (SC).
Issue: Settlement process and costs

Complaint: The night before closing, our lender Prime Lending called to say there was a problem with our loan. The long and short of it is we were told for nearly 4 months, including a Uniform Residential Loan Application and an estimated cash to closing work sheet, that Prime Lending would match a {$3000.00} credit the preferred lender for our builder was offering. When we locked in our rate, the credit as well as our earnest money was not showing. I was assured in an email that the earnest money and credit were there " Your credits were removed, but you will definitely get credit for your {$5000.00} Earnest Money deposit. The {$3000.00} Lender credit will be negotiable depending on the rates. Right now, the markets are very volatile so we are seeing a lot of movements and sometimes not in a positive direction unfortunately. Again, we will continue to monitor the rates for you, but we will most likely iron down the fees within the next few weeks before your closing. " There was never any negotiating mentioned before this. The night before closing we were told that in order to honor that credit the loan would have to go through their corporate and legal departments which could delay closing for days. We did not have days to delay we had to be out of our rental and could not afford to pay for 2 moves plus storage. They were able to match {$1900.00} of the {$3000.00}, but we had to pay the difference.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, Equifax continues to report disputed inaccurate information on my report that had been removed previously as follow : 1. XXXX XXXX XXXX XXXX {$290.00}. This account is not mine and XXXX XXXX has failed to respond to the CFPB in the past with proof of debt. This must be removed. 
2. A closed collection account, # XXXX, remains to be provided on my report with no contact or account information. This must be removed. 

3. XXXX XXXX XXXX. As note din a prior dispute this account payment status is not correct as payments have been made monthly. This must be updated top accurate information or the account information deleted. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Credit Karma, Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...

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 explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I 've been a customer of Regions bank since 2008 when my mother and I set up an account before I went off to college. Initially when the account was created, we made it very clear that we did not want my account to be overdrawn due to insufficient funds. At XXXX years old I was financially irresponsible and did n't want to risk being penalized a ton of NSF fees so we wanted the debit card to " decline '' rather than continuing with the transaction and earning a fee. Due to recurring NSF fee charges on countless occasions, I 've been to Regions Bank multiple times to reiterate that I did not want the " overdraft protection '' yet I was still being charged NSF fees when I specifically stated that wanted the card to decline. 2 months ago I visited a local Regions Bank concerning the issue and it was finally resolved with the click of button their computer. I 've been wrongfully charged NSF fees for the past 7 years and I should be compensated for those charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax have consistently refused to remove unsolicited inquiries from XXXX credit from my profile.I have sent documents to them twice and reported this to CFPB twice. I did not solicit or receive any credit from XXXX. The XXXX inquires from XXXX should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been on the phone with Portfolio Recovery countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX  and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

The lender has stated multiple reasons for a denial of this loan, including, but not limited to : denied for affordability, or not being able to create an affordable pmt for the loan, and that the client has multiple properties. The lenders reviews have not been consistent with the reason for the denial. the lender has also failed to provide detailed denial letters to the client or our office.

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 01/27/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NJ).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I am a victim of Identity Theft and I have placed fraud alerts and security freezes with all 3 credit bureaus. I, XXXX XXXX XXXX, did not apply for any NetSpend and / or XXXX product or prepaid card. However, a NetSpend/XXXX was open based on incorrect and a part of my name. Please see attached FTC complaint. I am not sure as to how many more accounts or cards NetSpend/XXXX had approved on this name and / or my information. I have nothing to do with any of these accounts and cards as I did not apply for any of these products and I do not want to bank with your bank. Kindly close all accounts and cards opened with my information and permanently delete all my information on your files and do not solicit me in the future. NetSpend must not open any more accounts / cards or entertain any applications, whatsoever, with any of my information full or partial. NetSpend must close all accounts, remove all my information from its files, not report the account to any external agency, mark the cards / accounts as fraud and notify me as soon as possible. XXXX should delete all my information and must not issue any more product using my information full / partial.Thank 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 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. 
I need some help resolving this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. 
I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX must be removed from my report.I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started texting landlines. Texts did not go thru on landlines. XXXX XXXX charged me {$290.00} for texting landlines which could not would not go thru.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX   2017 I  pulled my credit report for all three bureaus to find an ope n CNBA Be st Buy account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for o n  XX/XX/2017  )  to the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX  , 2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31 d ays I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 (  see attached ) signed for on   XX/XX/2017   asking them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original letter  therefor v iolating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s  to provide evidence.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XX/XX/XXXX I was notified by Wells Fargo that my account had been hacked into. A series of questions were asked of me and I was told that I had to go into the bank to receive a new atm card. At which time around XX/XX/XXXX I visited Wells Fargo branch at XXXX XXXX XXXX. XXXX. I received a new ATM and was told my account was in good standing. I called a couple of days later to let them know I had done so and I was having trouble paying a creditor. I was told that that specific creditor had a hold. I took off the hold and then they said they had fixed the problem. I had the same error happen when that specific creditor tried for 3x time to get paid and I was given a new routing number. None of the 4 other calls I made was I ever told that my account was frozen. My mortage lender XXXX finally sent me a letter that my account had not been paid in 2 months. At which time I called Wells Fargo and after pleading for someone to help me they read the notes on the account that my account had been frozen because of a bank breach for 2 months. I am currently working with XXXX on refinancing my loan and this is placed my mortage at risk. I want them to write a letter to all my creditors who they did n't pay and tell the credit bureaus. I am held hostage by their employees who have access to the account and I was never notified. Not one call about what was going on after repeated attempts on my part. I want them to pay for all of the late fees that I have been charged from the other creditor as well.

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 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting XXXX bankruptcy forXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that I never file. 
I have contacted The Court, said computer error and they did not verify or validate with Experian, see attached letter from Court.

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 Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received a copy of my credit from Experian on XX/XX/2017. And I do not think they investigating my account situation. # XXXX they are not stating how they are verifying the information. They information they have on file is inaccurate. They can not say they called the company because the company they have list with the phone number is disconnected. I do not feel I am being treated fair. The number listed is XXXX. Along with the information they are sending me. States This item remained unchanged from our processing of your dispute in XX/XX/2017. How is that possible when they clearing sent me a report XX/XX/2017. I really feel they are lying to me with the information they are putting on my credit report. So either they putting false information on my credit report, or putting whatever they feel at that moment. I think that is unfair to me because I been working hard to pay things off what belong to me. I inform them under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I attach some example of the credit report to show what I referring too.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.

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