milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Flagstar foreclosed on my family after years of us trying to apply for a mortgage modification. We were passed around and sent through hoops by Flagstar, and were denied because of Flagstar 's own mistakes and time delays. We have done everything we can to save our house, but now we 're facing eviction. We believe we were subjected to the same practices of Flagstar 's that they were cited for by the CFPB in the XXXX XXXX, 2014 stipulation on this issue. We would like help from the CFPB in order to stop the eviction and receive retribution from Flagstar for the harm they caused us and their unwillingness to help us during the entire foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collector is attempting to collect a debt on behalf of a company which states I do not owe them anything. There is no debt, there has never been any debt, this debt does not exist. Debt collector has ignored my response to have them validate this debt and is still attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Not sure of dates but I just recently last month disputed Santander to take it off my credit report I stated that I had continuous loss of employment and could n't pay it and the car was triple the amount that it was worth XXXX XXXX XXXX XXXX dollars for a car worth XXXX. I want to try to finance another vehicle and this is the only thing holding me back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I had   a Citi visa credit card for many years ( 9 years I think ).
recently Citi switched from a Visa to a Mastercard credit card.     I decided to start using the card more, to use it for everything and not just have it for a back up.   I began having trouble with the card being denied for online purchases.   I had visited with the fraud department for abo ut 7 or 8 lengt hy phone calls during the month of    XXXX   XXXX  about this  problem.   I was told their was lots of fraud going on.   I demanded a list of any and every fraudulent charge my card was used for or any late payments or any problems on my end. They said my card was not used in fraud but they " needed to protect the card '' It was really ridiculous.   They would throw the fraud flag for a {$1.00}, or {$50.00}, or {$100.00} dollar purchase.   The only place I could go and be sure the card was accepted was  XXXX .   Online purchases were a joke. I had so many declines from  XXXX ,  XXXX ,  XXXX ,  XXXX  that the digital currency community thinks I am a pariah. They do not even want to deal with me anymore . One Citi emplo yee admitted they had never heard of  XXXX  or digital currency and it was fraudulent to try to buy a   XXXX  !    Citi ha s just really  XXXX  me off.   I closed my account today and now am in process to find a card to takeover my  XXXX   XXXX  AAdvantage account. I need to transfer about  XXXX  miles ( that represents dollar amount purchases over time ) because  Citi has b een so troublesome for me.   I even offered to put money up front like a  thousand d ollars up front if they would let me then use it for on line purchases. They said it does not work that way.   Have never been so frustrated with a credit card company that has refused to let me make a purchase.

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 02-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Equifax assisted in reporting this negative account without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2017 ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

XXXX of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Re. Ocwen loan No. : XXXX I am behind in mortgage payment for ( 6 ) years I requested several times to Ocwen to help me for modification, and was denied I was treated unfair and Ocwen discriminated me my loan and did not help I offer to keep paying my mortgage ( when in default ) and ocwen did not accepted Ocwen at all times, was acting bad, denying, saying the did not received my information and, not answering my phone calls for the last 5 years I recently contacted Ocwen ( XX/XX/XXXX ) becasue they are selling my house on XX/XX/XXXX and the person from Ocwen was short in telling " sorry I can not help, look for other options ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Problem with additional add-on products or services

Complaint: On or around XX/XX/XXXX, I visited a Store named XXXX XXXX XXXX. My intentions were to purchase this with cash for a Set of Theatre Chairs. 2 Weeks after purchase the Product stopped working due to an electrical Problem. After Several Phone calls and Emails back and forth with Manufacture and Store, Conns sent a repair technician to service product. It took 2 more months before the company deemed the product not repairable. No replacement parts were installed and no service completed on defective product. After several months and me making a call in XX/XX/XXXX, they finally deemed the chair to be exchanged however they wanted to charge me {$100.00} to deliver it. I told them No that Id rather have a refund. I also informed them in XXXX of XXXX that I was no longer going to make payments on the product if they did not repair the chair or exchange it. It its now XXXX XXXX and I continue to call them for refund, however they say they still ca n't do that because its against their policy. They still wanted to charge me XXXX. I told them they have falsely reported my credit as negative as they sold me a product that stopped working and failed to make it right. 

Id like to file a complaint for falsely reporting my credit and have this removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX Thankyou points once I 've made 2 bill pays and added XXXX $ in my accouunt. More details here for the offer ( code:XXXX ) : XXXX I completed all the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. Plus I was also confirmed by XXXX reps on a phone conversation that i should be receiving it soon. It has been over 4 months and I still have not received my miles.

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 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: RUSHCARD ALLEGEDLY HAS A GLICH AND WE HAVE BEEN WITHOUT OUR MONEY FOR A WEEK, MY DIRECT DEPOSIT FROM WORK WAS FRIDAY, TODAY IS MONDAY AND STILL CAN NOT ACCESS MY MONEY TO PAY MY BILLS, GET GAS, FOOD OR ANYTHING, I AM ACCRUING LATE FEES FROM HAVING LATE PAYMENTS AND HAD TO BORROW OVER XXXX TO COVER MY MORTGAGE BECAUSE IT WAS LATE, THIS IS MORE THAN A HARDSHIP, ITS EMOTIONAL, WE NEED OUR MONEY NOW, CUSTOMER SERVICE IS NO HELP IF YOU CAN GET THEM, THEY HANG UP AND HAVE NO ANSWERS, THEY DONR EMAIL YOU BACK AND YOU CAN BARELY GET THROUGH ON A LINE, NO ANSWER OR IT RINGS AND DISCONNECTS, ALL NUMBERS DONT WORK, WHATS GOING ON, MY ELECTRIC BOILL IS DUE IN TWO DAYS. SO FRUSTRATED, THIS IS REALLY AFFECTING ME. I NEED TO PAY MY BILLS, WHERE IS OUR MONEY, MY PAYDAY WAS 3 DAYS AGO.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We took out a loan with Fifth Third Bank ( 5th3rd Bank XXXX www.53.com in XX/XX/2010. Since then we have dealt with a series of issues with the bank regarding posting our payments correctly. After years of agitation and frustration, I decided to submit this claim and write a letter to the CEO. The latest event occurred in XXXX when the bank increased our escrow without cause of an increase in insurance or property taxes. As a result, our monthly payments increased without our knowledge. We submitted our regular payment without the increase. As a result, the bank did not apply the payment, but returned a check drafted on their account. We spoke with a representative on XX/XX/XXXX who told us that the late fee that assessed due to the lateness of this payment would be reversed. On XX/XX/XXXX, the bank sent us a certified letter threatening the foreclosure on our home due to non-payment of over 2 months. As a result, the bank did not apply our XXXX or XXXX payment, but reported late payments to the credit bureaus. I immediately contacted the bank to inquire about this threatening notice, only to be told that 2 payments are being held in their escrow until the excess fee from XXXX of {$32.00} was paid. I immediately paid the fee to avoid any further delinquencies so they may apply our money that were being held hostage for a late fee, which they created in the first place. I then spoke with a representative in their escrow department who told me that the payments were increased due to lack of insurance. She then had to transfer me to the insurance department for specific details after I mentioned that at no time was our home uninsured. I then spoke with a representative from the insurance department who mentioned that she has no record of any lapse in our insurance. So 90 minutes later we have a 60-day delinquency on our credit and obligation to pay a fee so our money could be applied to the mortgage to avoid foreclosure proceedings. This is just one of the many unbearable practices by Fifth Third Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I phoned and tried online access with Equifax to try and freeze my credit report on both days. Both on the phone a number of times and by online access I 've given Equifax all my information and I am thrown off the call or the online form with the message that I can not freeze my account. I had no problem doing a freeze with either XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry appeared on my equifax credit report by XXXX XXXX XXXX on the XXXX of XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian is taking advantage of military families, by not allowing me to do an online credit freeze. They have instead insisted on a complex mail it in process, that does n't really spell anything out or provide any forms or assistance. I 'm XXXX, this is horrible customer service. I just want a credit freeze, and they are making it impossible for me. This should be banned, as a predatory practice and should be unlawful. I do n't want them monitoring me to begin with. Now when i try and take some form of control and protect myself, I ca n't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I have a citibank checking account for more than a month now. But i am not able to access it online. Every time I am getting this message " We 're very sorry we 're having technical issues. Please try again. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' On phone or via email there is no help to get proper support. I am clueless how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In the year 2013 my family and I lived in XXXX XXXX Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is {$690.00}. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says they have already reported this collection to XXXX national credit bureaus. Please I need your help to clear my credit and erase this debt that 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 02-02-2018 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recieved a XXXX XXXX from AES consisting of {$2100.00} stating that some event occurred on XX/XX/2017 to trigger the cancellation of debt. I still have the loans with AES and am current on payments. In fact I have paid over {$100.00} extra each month on the loans to pay the loans down faster. I have no record of any cancellation of {$2100.00} of debt with AES. The person I spoke to on the phone could not figure out why it happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (IN).
Issue: Trouble during payment process

Complaint: XXXX XXXX mortgage was transferred to Shellpoint Mortgage Servicing. Received a letter dated XXXX XXXX XXXX from Shellpoint stating the flood insurance was NOT required for my property though it was mandated by the previous mortgage company. <P/>Shellpoint 's letter indicated that if I wished to have flood insurance removed from my escrow account, I needed to notify them in writing. The flood insurance policy was canceled by the original mortgage company at the transfer of the mortgage account. <P/>On XXXX I sent an email to the Shellpoint account indicated to have the flood insurance removed from my escrow account. I received no response from Shellpoint. On X/X/17 I sent a second email informing them of the same. Again, no response. On X/XX/17 I made a third attempt at notification with no response. <P/>I recently received an Annual Escrow Disclosure Statement from Shellpoint dated X/XX/17 which still listed monthly payments from the escrow account for flood insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Navy Federal Credit Union sent settlement letter dated XX/XX/XXXX. Offered settlement amount for debt owed. Full defaulted credit card debt {$12000.00}. They offered upon receipt of letter to settle account in full for {$3600.00}. I had full intention of doing so. They took the full {$12000.00} out on XX/XX/XXXX They did not honor their settlement agreement. I had withdrawn my 401k for a full amount of {$24000.00} and the day following without notifying me. I am in default on my home. I am a service connected XXXX  veteran deemed homebound by the VA.

I called today, and they said the funds will not be returned to my account. I was also told after speaking to the same person on the phone. that I would be able to get a credit card again trhough the company to help fix my current situation.

I called to sign up for a credit card immediately following and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: This is a complaint related to case number XXXX. In an action that can easily be described as " retaliatory, '' Ocwen Loan servicing , LLC has provided me with yet another incorrect statement for my second mortgage. Ocwen has admitted its mistake in disbursing two payments to the insurance company, XXXX XXXX. On Saturday, XXXX XXXX, I finally received the refund check for the overpayment. I mailed the check to Ocwen on XXXX XXXX. My XX/XX/XXXX statement indicates that Ocwen refused to apply my XX/XX/XXXX {$300.00} payment, which is greater than the typical amount due ( principle + interest ), and continues to demand I pay additional escrow fees in order to compensate for Ocwen 's admitted mistake. I received a letter dated XXXX XXXX from the Office of the Ombudsman ( XXXX XXXX ) that partially addressed the items outlined in my previous complaint, but did not resolve the basic problem caused by Ocwen 's ineptitude. I consider this retaliatory act on Ocwen 's part to be entirely unacceptable.

Company response to consumer: Closed
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am having a problem with TransUnion , LLC providing me verifiable proof of an original consumer contract with my signature on it, from XXXX XXXX XXXX XXXX that is listed on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through original signature. Under the FCRA, unverified accounts must be removed. I have mailed XXXX letters to TransUnion requesting copies of my signature to no avail. I need help with this request please.

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 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX uses Experian for identity verification in order for me to sign up for heath insurance on the XXXX Website. I have been unable to sign up for health insurance based in whole or in part on inaccurate information in my Experian Credit Report. The reason I know it is inaccurate is that I was directed to call Experian and I did so and during the call the Experian agent asked me a number of questions about myself based on information obtained from their records. As the completion of the questioning I was advised that Experian is unable to verify my identity based on some difference between my answer and their records. The agent did not identify which information I provided that was supposedly inconsistent with their information. Because Experian did not identify which of the questions I supposedly answered incorrectly, their process precludes me from requesting specific correction.

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 07/15/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: USAA FSB has restricted my account access online. They say it is due to a previous charge off with a USAA credit card - discharged in XXXX. I am told they are no longer attempting to collect on this debt but since it is a loss on the bank, it is " policy '' to not allow me to access my checking or insurance accounts. Insurance policies are not easily changed and are long term. When I ask for access, they give me a mobile website access for the day, then lock it once more. From my perspective ( and any reasonable person ) USAA continues to try and collect this debt to the level of harassment - and impedes my activity even with other divisions unrelated to the banking. Secondary, they place holds on every deposit for XXXX days, etc. all claiming to be " within policy ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Medical) with Creditors' Protection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: collection agency refusal to provide validation of debt as requested. 
provider contracted to accept insurance as full payment. Not willing to wait for payment from state insurance provider.

Company response to consumer: Closed with explanation